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

 Apply!   
       
Mon.-Fri. 9-5 ET
 Toll Free 888.587.8511 
Help: Contact Us

 Policy Owner Service Phone Numbers >>

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!

get a quote Health Insurance Quotes!

get a quote Disability Insurance Quotes!


Offering The Best Policy Language For Physicians From Top Rated Disability Insurance Companies!

get a quote Long Term Care Insurance Quotes!
Available From Top Rated Long Term Care Insurance Companies!



 
...


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!

Spousal Insurance

 


Spousal Term Life Insurance Quotes!

Would you have to take on additional employment to make ends meet?  Would you have to replace her income? Would you have to hire a nanny?  Would you have to withdraw from saving or investment accounts?  Would you have to hire a tutor for your children?  Would you have to hire a housekeeper?  Would you have to reduce your discretionary spending?


Spousal insurance term life insurance quotes will be made accurate by applying  your underwriting health class to your quote. Determine this "by clicking" in the form below on line reading Health Class "Click here" for Health Class Definitions.  Keep in mind that only 3-5% of the population qualifies for the preferred best or super preferred rates with any term life insurance company.

Quotes are free from Term Life America.  
You are being provided with quotes from A M Best's top rated term life insurance companies, and are always assured that you are receiving a choice of the lowest premiums available anywhere!

After choosing your desired company and product, click on the request an application button to the right of the product.  Upon submission of this completed form, an experienced licensed agent will contact you to go over your information and offer to complete your application at that time right over the phone.

Spousal term life insurance should only be considered after an evaluation of the purpose of the different types of insurance are explored. A decision chart term vs. permanent can help in making this  decision.  Generally speaking this type of policy should be considered for those needs that are temporary.  The raising of children and a mortgage liability are examples.  Thus, permanent insurance should be obtained for costs at death such as funeral expenses, estate settlement costs- to include income taxes for the year of death-, and  federal and state estate taxes.    

also see our  Estate Planning Brochure

Permanent insurance can also be obtained to create an estate.   It can create money to leave to friends or relatives or even charities when an insurable interest can be established.

Going  to our buyer's guide, and using our needs calculator to determine your needs for your family or business are additional tools to use in making this important buying decision. 


GENWORTH IS  #1*

 

Women need life insurance, especially if they’re Moms. For less than 43 cents per day for $150,000 of coverage, a 30-year old woman who doesn’t use nicotine may get 20 years of term life insurance whose death benefit can help take care of her family if something happens to her.

 

Female, Age 30, $150,000, Monthly Premiums (After the level premium period, premiums increase annually)
Premiums are guaranteed level for: 10 years 15 years 20 years 30 years
Preferred Best No Nicotine Use $7.66    $9.63 $11.07 $14.48
Preferred No Nicotine Use $9.10 $11.07 $13.04 $17.11
Select No Nicotine Use $10.68 $13.30 $14.88 $20.78
 

Genworth’s great rates help you sell your clients the coverage they need.   

*Genworth ranks #1 for females ages 20, 25 and 30, $150,000 face amount, 10, 15, 20 and 30 year in Preferred Best No Nicotine Use, Preferred No Nicotine Use and Select No Nicotine Use.

Competitive information is based Genworth Financial companies’ research conducted
 in 8/07.  


Underwritten by
Genworth Life and Annuity Insurance Company
Genworth Life Insurance Company
Lynchburg, VA  

Rates are current as of 7/9/2007.

These term life insurance products have guaranteed level premiums for 10, 15, 20 or 30 years; after that, premiums increase annually. Issue age is insured’s age at nearest birthday; rates for other underwriting classes are higher; $50 annual policy fee is included. If premiums are not paid annually, we adjust the premiums by a modal factor consistent with an annual percentage rate of 8.2% (semi-annual) or 10.8% (quarterly or monthly electronic funds transfer). In certain cases, more coverage may be available for the same or lower premium. Representatives should confirm that consumers are obtaining the most coverage for the premium paid.   Products, benefits and rates may not be available in all states and are subject to issue limitations and to their policy forms: Policy Form No. 1420 (96) et al. or 1421 et al. (Genworth Life and Annuity Insurance Company underwrites Colony Series) or Policy Form No. GE-1420 et al. (Genworth Life Insurance Company underwrites Sure Term® Series).
Need Help?

 Questions will be addressed by contacting us or by calling our service and sales department at 888.587.8511 .


 Quotes may be offered in the following states!

 

   
HTML Comment Box is loading comments...


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.
<Return To Previous Page>