Term Life Insurance Quotes Unknowns
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Have Medical Conditions?
Even having a family history of heart disease will cause you to pay a higher premium.
Applicants with childhood type I diabetes will pay higher rates. They will have some trouble finding a company that will insure them. Adult-onset diabetes that is managed by medication or diet, obtain lower rates.
The type of cancer, the severity and treatment received affect your premiums .
Because other health conditions follow obesity, insurers take your weight into consideration.
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How It Works
All policies have four compon ent s.
The insuring company. The policy owner. The insured individual. The beneficiary. The company, by contract, pays a death benefit to the policy’s beneficiary upon the death of the insured if the policy is in-force at time of death.
Coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30 years.
Return of premium or no exam policy types, and quotes are made available by over 40 top rated companies.
Your Buying Experience. We Make It as Easy as 1,2,3:
1) Understanding Your Needs!
Find specific solutions for your cash needs and financial responsibilities. Establish an estate. Explore the buyer’s guide. and use our needs calculator to determine your needs for yourself, family, or business. Term or permanent, which one should I buy? Look at our decision chart to help make a decision.
2) Find Out How Much It Will Cost! Premiums vary greatly between underwriting classes. Applicants should always consider and be willing to accept several rate class possibilities. Underwriters will always place an applicant in the best possible rate class given their informational findings.
3) Applying Made Easy!
Quick Quote Technology allows you to
choose your desired company and insurance plan. Then you can complete our short online application request.
Why The Need For Life Insurance
Credit Card Payments
Car and Other Loans
Medical Costs Incurred
Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family.
This step may require the purchase of a life insurance policy to ensure that your family’s needs will continue to be met.
An untimely death will cut off your earnings potential.
Most important it is a unilateral contract. Unilateral contracts allow only one person to make a promise or agreement. An insurance contract is a unilateral contract because only the insurer has made a promise of future performance and only the insurer can be charged with breach of contract.
Please take a few minutes to learn about why you need life insurance. We look forward to working with you.
What It Is
Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.
GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds,�amount of the death proceeds, and nonparticipating.
PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium.
NON-FORFEITURE POLICY PROVISIONS �elected by written notice during the Insured’s lifetime. Includes: policy surrender, paid-up insurance, extended term insurance, automatic option and basis of values.
POLICY LOANS POLICY PROVISIONS �conditions for a cash loan, automatic premium loan option, deferral, interest and replacement.
ENDORSEMENT �allow owners to modify standard forms by attaching endorsements preapproved by counsel. �
SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS �describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest.
GENERAL CONTRACTUAL POLICY DEFINITIONS �defines the terms used in the contractual policy provisions.
We have a highly trained and licensed professional staff. We specialize in all aspects of this discipline. Included are, Term, Universal, and Permanent Policies, as well as Final Expense. We guide our clients on issues involving Personal Family Protection, Estate Planning and Estate Conservation, Business Planning to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets for Term Life Insurance Quotes from Top Rated Companies. We help you decide what type of policy is best for your goals and objectives. Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience. We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.
The content contained on this insurance website is for informational purposes only. It is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We work for you and simply provide factual insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates are based on many factors one of which is the applicants health.