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Term Life Insurance by Top Rated Companies
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 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.

Aren’t we lucky to have a life worth protecting?
Reflecting on the life, home, family, and friendships that we have established can be the first step in starting the important conversation of protecting what we love. When we take this inventory, we may find we have more to treasure than we realize.

Planning for the future is a journey that can never start too soon.

The Following Is From Genworth Financial
It goes without saying.  Sometimes we feel that we know a spouse or a partner so well that we know what they’re thinking.
Honestly, though, could you name the three greatest priorities of the most important person in your life?  And could they name yours? In fact, could you name yours? Most of us would automatically start with “my loved ones,” but does the way we live and plan our lives truly reflect our priorities?

We spend much of our lives creating the best life we can, providing for our loved ones, creating the experiences that we hope will create wonderful memories, and taking care of each other.  We plan and save for a rainy day, for emergencies and for our family’s future.  Important things usually find a place in our budget, but statistics show that most of us don’t plan for what might happen when we’re gone.  Loss of a primary wage earner or stay-at-home parent can be the biggest emergency a family will ever face. And it can put the life that our loved ones have enjoyed or that we’ve planned for at risk.  Whatever your life situation or circumstances — young or old, married or single, male or female, well off or just getting by — life can be unpredictable.

There are no guarantees.

That’s why it’s never too soon to think about the life you’d like your family to have, the way you want to be remembered, and the causes you’d like to support. Don’t postpone the discussion for too long.

Good reasons to talk about the future today
- 1 - “Tomorrow” doesn’t come with a guarantee.
- 2 - The sooner you start planning, the more confident you’ll feel.
- 3 - Your and your family’s financial sense of security can never come too soon.

When thinking through what kind of protection may be right for you and your family, consider whether you need a temporary or permanent solution or both.  Do you want to protect your family or other loved ones only while they are dependent on you, or is there a need for protection in later phases of your lifetime?

Although mortgage, education and other child related expenses may diminish in your later years, your focus on retirement savings and your nest egg may increase. Consideration should be paid to the impact on your spouse’s or partner’s ability to retire should something happen to you before your nest egg is built as planned.  If you need protection while you have dependents or for a specific period of time, term life insurance may be the answer. Otherwise, permanent life insurance may give you greater flexibility.

While some experts suggest purchasing five to 10 times your annual salary in life insurance coverage, your unique situation will drive how much you need.  Your “ideal equation” should consider not only the short-term costs associated with funeral expenses and medical bills, but also long-term expenses like mortgage, car payments, student loans, and retirement funding for your spouse or partner.  Planning for outstanding debt could help your loved ones avoid dipping into savings, having to go back to work to meet financial obligations, or postpone their planned retirement.

Life insurance can give you:

The power to protect

• Helps protect the people and things you love from the loss of your income

• Helps protect your family’s current standard of living and ability to remain in their home

• Helps protect your family from unexpected expenses caused by your loss

The power to comfort

• Makes it possible for your loved ones to realize their dreams and fulfill your hopes

• Provides financial comfort at one of the most critical moments in your family’s life

• Gives you confidence that you have planned well for your family’s future

The power of financial stability

• Helps stabilize your family financially in case of the loss of a primary wage earner or stay-at-home parent

• Helps cover unanticipated bills related to your estate, medical bills and funeral expenses

• Provides a death benefit that is almost never subject to federal income taxes

• In the case of permanent coverage, it can provide an early cash payout if and when emergencies arise

Discuss your long-range hopes and concerns with the people closest to you, sharing with them what’s important to you and finding out what’s important to them.  What are their dreams and fears for the future?

Educate yourself on your options.

It’s important to determine which resource and which product is right for you and your family’s needs. Consult with your financial professional, and if you don’t have one, find one with whom you’re comfortable.  They can help you calculate your life insurance needs and see how life insurance might fit into your household budget and overall financial plan.  Make a plan, share it with your loved ones and put it into action.  Understand that having insurance is not an “all or nothing” proposition. Some is better than none, and the goal is to move over time from “some” to “enough.” You can increase coverage as your budget allows or as your coverage needs evolve.  A primary goal is to come up with a plan that protects your family from the burdens of immediate debt after your death. Be sure to let your spouse or partner know about the plans and policies in place that are meant to help them.

Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
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 Term quotes for: 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 - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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