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What Is Term Life Insurance?

So your looking to do a little research on what exactly term life insurance is right? Term life can be easily defined as what it is, coverage for a specific term. Unlike whole coverage which is indefinite coverage. Generally you can buy a term life policy for periods of five years or more.

Your policy will be active until the term you chose is fulfilled. Your term life insurance rates can be determined by a number of different factors including age, lifestyle, etc.. a term life policy you can match a term to your specific needs. Like say you have a 15 year mortgage and you want to make sure your term policy will be enough to cover the cost of your mortgage as well as the term being as long as the mortgage.

There are many different types of benefits to a term life policy. Whether your single or married you can find a policy that best suits your needs. Planning for any type of life insurance doesn’t have to be a pain in the neck. In fact it can be quite comforting knowing your loved ones will be taken care. You can get free competitive term life insurance quotes by clicking here or visiting our website Benepath.com

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.

Finding Affordable Life Insurance Coverage

Affordable life insurance is a reality contrary to what else you may see floating around the internet. Low cost life insurance is readlily available in many different forms for those looking to protect loved ones. The key is finding a policy that provides you with best value and at the same time a reasonable monthly premium.

The easiest way to buy life insurance ultimately hinges on what you are looking for and the amount of coverage that your willing to invest in. The question becomes how much coverage do you need? Ayone can easily figure this out by going to one of the millions of life insurance quote engines available to you on the internet. Click Here to get free and instant life insurance rates based on your age and location.

Just simply browse through your rates and compare companies to see which is the best fit for you and your family. Or if you own a home you might want to look into a few different mortgage life insurance options that are available to protect you and your family. Either way it’s very simple to compare and find the right coverage for yourself.

Choose a rate and a company and contact one of their life insurance agents so they can answer any questions you have and take you step by step through the process of becoming insured.

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.

Online Life Insurance Companies. Which To Choose?

There are literally ten’s of thousands of life insurance companies wanting to compete for your business online every day. With that said how can you choose? How do you find the most affordable life insurance rates with the best coverage? The top life insurance companies differ from each other when it comes to pricing. There are tons of factors that go into your final selection.

One of the biggest, is which companies are going to rate you in the preferred or cheaper category based on your current health and lifestyle. The difference between pricing can be small from company to company but the difference in category can be huge. Another big factor in choosing the right company is the time it will take for your policy to go into effect.

Some life insurance companies can take several months for a policy to go into effect due to underwriting and different processes. Don’t overly concern yourself with this though as a good independent life agent will who works with many companies will know the ins and outs of each company and can help you choose the best one.

Don’t rely on speculation when it comes to choosing the right insurance company for you and you family. Instead, just take a look at what other consumers say about the best life insurance companies available today. You can accomplish this with a quick online search and read through reviews on any company that you might be interested in doing business with. This is also a great and quick way to find competitive online life insurance rates for yourself.

Here are a few of the top rated companies to get you started. Newyorklife.com Metlife.com Prudential.com Johnhancock.com Primerica.com

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.

Whole Life Insurance Or Term Life Insurance? What’s The Difference?

A confusing fact for many people in search of a life insurance policy. Which is the right one for me? Well first before you decide anything let’s go over the difference between the two most popular, term life insurance and whole life insurance. Term life is just your basic life policy and often the most popular. A term policy is life coverage only, on the death of the insured it pays the face amount to the beneficiary named on the policy.

Now whole life is a little different, it’s a combination of term and an investment component. The investment portion could be in bonds, money market accounts or stocks. Basically the policy builds cash value that you can borrow against. Whole life insurance is much more expensive than term because your not only paying for the insurance but aspect but also the investment portion too. The three most common types of whole life are traditional whole life, universal and variable life insurance.

Even though whole life is much more expensive that’s not to say it’s a bad idea. Wealthy people can use a whole life policy in their estate planning by setting up an insurance trust that will pay their estate taxes with the policy proceeds. If your looking for whole life or term life coverage make sure your doing your research on a professional and well respected company to go with.

You want some assurance that the company you choose will be around incase you aren’t. For life insurance companies you can do a quick search on the internet and read thousands of reviews of all the major players in the life insurance game before you decide on a company. Do a quick search and get some standard rates so you can get a feel for what kind of premiums you will be looking at. You can get an instant term life insurance quote by clicking here.

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.