term life insurance you can afford, and we're not pushy!

888.587.8511   Blog I FAQs I Customer Comments I Agent Brokerage

Term Life Insurance Quotes By Top Rated Companies



 
 

Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

Term Life Insurance what it is, how does it work- Instant Quotes, traditional - return of premium - no exam

Toll Free
888.587.8511  Mon.-Fri. 9-5 ET


Policy Service Phone Numbers

Top Rated Term Life Insurance Companies

See which company is most suitable for your needs

American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
Prudential
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
Union Central
U.S. Financial
West Coast
William Penn
 
More get a quote

Health Insurance Quotes!

Disability Insurance Quotes!

Long Term Care!

Life Insurance Guide

Business Life Insurance

Applications Underwriting Term Life Insurance Polices  

Paramedical Exam For Your Policy

Beneficiary Designation

Return of Premium Term  Life Insurance From:   AIG    Chase   Fidelity & Guaranty   Genworth

Estate Planning Info You Can Use

Life Insurance
Life Insurance is for the Living


License #'s: for Lewis Fink

Links

Term Life America - Facebook 
Find us on Facebook

   Find us on Google+

Term Life America - Twitter  Follow us on Twitter



 


Term Life Insurance by Top Rated Companies


More companies equals the best opportunity to obtain the lowest quote!

 

Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

AllianzAmerican General Life CompaniesAmerican MayflowerAmerican NationalAssurityAXA EquitableBanner LifeChaseEmpire GeneralFidelity and Guaranty LifeFidelity LifeFirst ColonyForestersGenworthThe HartfordINGJefferson PilotJonh HancockLife InvestersLincoln Benefit LifeLincoln Financial GroupMetLifeMetLife InvestorsMutual of OmahaNorth AmericanOld MutualPresidential LifePrincipalProtective LifePrudentialLiberty LifeSBLISecurity Mutual LifeSun Life FinancialTransamericaUS FinancialUnion CentralUnited Home LifeWest Coast LifeWestern Reserve LifeWilliam Penn
  

Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
Personalized Tele-Application for All Companies, Right Over the Phone!
 For the serious shopper who would like a seasoned professional to assist them-
"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.

 


 


Term Life Insurance Unknowns
 
Term life insurance quote sites often do not sell policies at all; rather they sell your information to one or many local agents. You will never know if you got the best price for your rate class.

"Make No Mistake"

get a quote We offer more companies to insure the best rates possible.

get a quote
Never a credit card or voided check required unless you are applying for no-exam insurance.

get a quote Never have to pay for your para-medical exam.

Recognize The Difference

Valid sites should display the broker's name and included a listing of the states, "legally licensed and appointed" to conduct business.

We Follow A Strict Ethics Code

Take Advantage Of Instant Quotes
A ten day right of refusal always applies

Explore The Best Rates!
Spreadsheet all of our top companies' rates now!

Have Medical Conditions? 
Have an Impaired Risk? Do You Participate In A Hazardous Hobby? 

Have You Been Declined? Just complete our simple Questionnaire! or Ask The Doc

How It Works

All policies have four components which are the insuring company, policy owner, the insured individual, and 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. This is the least expensive form. Coverage can be obtained for 1, 5, 10, 15, 20, 25 or 30 years.


What It Is

Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.
 

Because life is not always as certain as your responsibilities...

We offer you 36 years of professional experience for your term life insurance needs. 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:

We maintain a consistently high placement ratio and we complete the application for you! Receive professional assistance in making an informed buying decision free.

1) Understanding Your Needs!

Find specific solutions for 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; check your classification. 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!

get a quote
Quick Quote Technology
get a quote Choose Desired Company and Insurance Plan
get a quote Then complete our "Short Online Application Request"  

Why The Need For Life Insurance

needs calculator



















 
 
GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds, amount of the death proceeds, and nonparticipating. More

PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium. More

POLICY RENEWAL, CONVERSION, AND EXCHANGE POLICY PROVISIONS policy renewal, conversion, and exchange. More

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. More

POLICY LOANS POLICY PROVISIONS conditions for a cash loan, automatic premium loan option, deferral, interest and replacement. More

ENDORSEMENT allow owners to modify standard forms by attaching endorsements preapproved by counsel.  More

SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest. More

GENERAL CONTRACTUAL POLICY DEFINITIONS defines the terms used in the contractual policy provisions. More

We have a highly trained and licensed professional staff specializing in all aspects of this discipline including, Term, Universal, Permanent Policies, Final Expense, and informs our clients of there uses in Estate Planning and Estate Conservation, Business Planning for Buy Sell Agreements, Deferred Compensation, and Executive Compensation, and Personal Family Protection.  We offer spreadsheets Quotes from Top Rated Companies and help you decide what type of policy is best for your goals and objectives; be it 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan option. Some plans offer no exam underwriting for your convenience.