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Average Term Insurance Premiums

The average term life insurance premium is based on several factors. Insurance companies base the amount they charge for coverage on the age, health status and lifestyle choices of the applicant along with the amount of the death benefit and the length of the term. Younger ...

Term Life for Single Women

In 2007, it was reported that, for the first time in history, the number of single women out numbered married women.  This can be attributed to a number of factors including the fact that many women wait until later in life to get married.  The divorce rate in the United States ...

Learn About Term Life Insurance

Three of the most important factors to consider when learning about term life insurance are the types of policies available, how the premiums are determined and how the death benefit will be paid. The best policy for each specific situation will differ among individuals. For example, a young ...

Term Life Insurance Definition

Term life insurance is one of the most important and basic products any insurance agent or company can offer. But what is term life insurance, and how does it compare to other insurance options? As one of the most common insurance products, term life insurance is offered by just ...

How to Buy Term Life Insurance Online

For those in the life insurance market looking to buy term life insurance online, the process can be easy and familiar, but it entails more than just the clicking of a mouse.  Possessing a strong understanding of term life insurance and how it works, what companies provide it and under ...

Comparing ROP to Term Life Insurance

The major advantage of standard term life insurance is that it is inexpensive. The disadvantages are that it neither builds cash value nor returns any portion of the premium. The policyholder may pay monthly premiums for 20 years or more and, if alive at the end of the term, feel as if the ...

20 Year Term Life Insurance

Although term life insurance is available in a variety of terms, the 20-year term policy is one of the most popular. The term is long enough to satisfy many temporary life insurance needs, yet still short enough to be available to most people. ...

Buying Term Life Insurance

What Is Term Life InsuranceTerm life insurance is pretty straightforward. One buys a  policy for a certain face value for a certain amount of time. The term can be as short as one year or as long as 30 years or longer. The premium and face  value of the policy remains ...

Term Life Insurance Costs

Many people searching for life insurance find that selecting a term insurance policy  is the best option for reducing the cost of life insurance. Finding the best term rate will depend on two primary factors: The number of years selected for the term, which is also known as the length of ...

Term Life Insurance Online

Today, term life insurance is one of the best consumer buys. It can be purchased online in a matter of minutes. This capability is a triumph of modern technology. The fact that we are able to buy term life insurance online with lightning speed doesn’t necessarily make  ...

Term Vs Whole Life Insurance

No one is really sure when it started but it seems as though the debate about which type of life insurance is best—whole or term—has raged since the creation of insurance itself. Each has their passionate adherents and they make valid points in their defense. So who is right, ...

Low Cost Life Insurance

Life insurance provides many necessary benefits, and it is an integral part of a solid financial plan. In the event of a person’s death, a life insurance policy can provide benefits such as covering funeral and final expenses, paying off a mortgage, making up for lost income, or funding a ...

Finding the Best Term Life Insurance Rate

For many families, term life insurance is a cost effective way to provide financial protection and stability. To find the best term life insurance rate, first identify the length of the term, or the number of years the policy needs to be in force. Next, determine the value, or death benefit, ...

Annual Renewable Term Life Insurance

Annual Renewable Term Life Insurance, or ART, is a special type of term insurance. Essentially, the policy owner is buying a one year term policy every year. At the anniversary date, a premium is paid and another one year term policy goes into effect.Though the fundamentals of this type ...

Term Insurance Rates

Term life insurance has long enjoyed a deserved reputation as the lowest-priced form of life insurance. That reputation has been enhanced over the last decade by a veritable price war among carriers. Term insurance rates have fallen to what appear to be rock-bottom levels – although ...

Discount Term Life Insurance

Term insurance is the original and most basic form of life insurance. It is also considered the most affordable of all types of life insurance. There are several types of term insurance and the premium rate differences between them help explain ...

Decreasing Term Life Insurance

Decreasing term life insurance is intended to fulfill an insurance need that decreases over time in a predictable, systematic way. The face value of the policy – the death benefit received by the beneficiary(ies) of the policy – gets progressively smaller over time. Finally, it disappears ...

30 Year Term Life Insurance

30 year term life insurance is a form of temporary life insurance that lasts 30 years. Its features and benefits can be compared and contrasted with those of permanent life insurance, on the one hand, and those of shorter-duration term life insurance policies on the other. ...

Level Term Life Insurance

Level term life insurance is the most popular variant of term insurance. Term insurance is the oldest and least expensive form of life insurance. Like other forms, it provides a tax-free death benefit to one or more beneficiaries upon the death of the insured. Its most basic form is called ...

Return of Premium Term Life Insurance

A return of premium term life insurance policy is an insurance contract in which the policyholder(s) will receive the aggregate value of all premiums paid at the end of the contract’s term, provided the insured does not die and the policy remains in force. Return of premium life insurance ...

What Is Term Life Insurance

Life insurance is provided by insurance companies to individuals who have a life insurance need. That need exists when the individual’s untimely death would cause significant financial hardship to others. The life insurance contract, or policy, guarantees that benefits lost due to the ...