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

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America’s Top Rated Term Life Insurance Companies
American General | American Mayflower | Banner | Chase | Empire General | F & G | 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

Affordable buy online in 10 minutes from a  top rated carrier!

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Term Life Insurance by Top Companies
 For the serious shopper who would like a seasoned professional to assist them-
Term Life Insurance Quotes     Term Life Insurance No Exam

 Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
 Personalized Tele-Application for All Companies, Right Over the Phone!
 More companies allows for the best opportunity to obtain the lowest term life insurance quote!

Return Of Premium Now Available For Term Life Insurance Policies

 
Policies allow for virtually free insurance!

Return of premium term life insurance is a guarantee of a return of all premiums you paid towards the policy once the policy term has expired assuming you have outlived the policy term.

Return of Premium term life insurance is purchased because it is the most cash efficient method of obtaining the amount of coverage you feel is needed to protect your family obligations, like your mortgage, raising your children, savings for college funds, etc. 

Even if the return of premium policy is cancelled prior to the expiration of the policy term, a portion of the premium may be refunded.



Getting a refund of all the premiums!

Return of Premium term life insurance bridges the gap between low-cost term insurance and permanent insurance.

Getting a refund of all the premiums you paid gives you the best of both worlds. You have the assurance that your family is protected if something happens to you, and you minimize your risk of paying for coverage you may no longer need.

Products typically feature: level-death benefit term plans with fully guaranteed level premiums for the first 15, 20 or 30 years, with coverage expiring at age 95.

Some companies offer premium rate bands such as: $100,000 – $149,999; $150,000 – $249,999; $250,000 – $499,999; and $500,000 and higher.

Costs usually range approximately 30% higher than the most competitive tem life insurance products available. Therefore, the 30% increase is minimal to the young applicant due to the already low term life insurance premiums found at younger ages. Policy forms may not be available in all states. Applicants are subject to normal underwriting procedures established by the insuring company.

Return of premium plans also allow for other valuable riders not usually found available in the traditional term life insurance policy forms.
For more information from top rated companies follow the following links: 

get a quote  Overview HERE!

get a quote  Return of Premium from AIG HERE!  

get a quote  Return of Premium from Chase  HERE!

get a quote  Return of Premium from Fidelity & Guaranty   HERE!

 

   
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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


Not all insurance products from all insurance companies are available in all states.
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