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

  888.587.8511   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
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!

          

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.


Union Central

 



Term Life America Insurance is proud to offer Union Central Term Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations.

Our Standout Performance

Union Central is
proud to be able to grow and remain strong in a competitive marketplace while adhering to traditional values of quality, integrity and financial soundness.

Their product line includes individual life and disability insurance, annuities, investment products, and group retirement plans such as 401(k). This extensive array of products allows us to offer you Customized Financial Solutions – Person by Person.TM

Ethical market conduct practices have always been an integral part of their mission statement and business practices.

Union Central
Address1 1876 Waycross Road
Address2 P.O. Box 40888
City Cincinnati
State OH
Zip 45240
Phone Number 513/595-2200
Fax Number 513/595-5418
WebPage www.unioncentral.com
 

Financial Planning

Smart, successful financial planning begins with a basic understanding of key financial needs. As your life progresses, the needs of you and your family change. Singles need to protect their earning ability. For parents, family protection is foremost. And everyone is concerned about funding retirement. To assist you in evaluating your financial plans, access Union Central’s Individual Needs information for you and your family.


Understanding The Need For Family Protection

These are the years for building dreams-finding the right home for your family, providing an education for your children, creating a comfortable lifestyle you can all enjoy. You're making these dreams become reality, and your family needs you during these important years. What would happen to your dreams if you or your spouse were suddenly out of the picture? Have you accumulated the funds that would help your family continue on? Probably not. And, if you are like many couples, you may assume the life insurance you receive through work will replace your lost income. But it's estimated that families need five to ten times the annual income of both parents to continue normally. And whether it's you or your spouse who is left behind with the children, the same security needs continue. A sound financial plan takes everyone's needs into account.


Covering Your Mortgage

First and foremost is the roof over their heads. Do you want to make sure your spouse and children can continue to live in their home? Unfortunately, your long-term mortgage debt may be more than they can handle without your income. And this does not include the cost of repairs and upkeep the property will need to retain its value. Relocating to a different house or apartment could drastically alter your family's lives. Think about it. Would you want them to have any less than they have now?


Providing The Right Credentials

Of course you want your children to have the foundation for a promising future. In today's world that means a college education. Actually, many career fields and companies require advanced degrees before even considering job candidates. But could your children continue their studies beyond high school if your support suddenly halted? Would the money you've put aside for college be needed to meet other expenses? Unfortunately, college costs are not expected to go down in the years ahead. Preparing to meet this expense is key to a financial plan that succeeds.


Expected College Costs

School Year
(Fall)
4-Year Cost
(Public College)
4-Year Cost
(Private College)
2004 $61,066 $129,932
2005 $64,120 $136,428
2006 $67,326 $143,250
2007 $70,692 $150,412
2008 $74,226 $157,933
2014 $77,938 $165,830
2010 $81,835 $174,121
2011 $85,296 $182,827
2012 $90,223 $191,968
2013 $94,734 $201,567
2014 $99,470 $211,645
2015 $104,444 $222,228
2016 $114,666 $233,339
2017 $115,150 $245,006
2018 $120,908 $257,256
2019 $126,953 $270,119
Projected costs based on the 1999-2000 average four-year public and private college costs, as reported by the U.S. Department of Education.

Protecting Their Lifestyle

If you are like most Americans, you depend on credit to make certain purchases that enhance your family's lifestyle. For example, you need to maintain safe and reliable transportation for your family. You want to enjoy vacations and take on other occasional expenses. In fact, the average household carries a credit card balance of more than $7,000* due to these expenses. Families may have car loans and other liabilities as well. Would you want to pass on these responsibilities to your spouse and children? Would they need to sell off assets such as your home or car just to keep up with monthly payments? Without the financial resources to replace lost income, their lifestyle could change drastically.

*Based on most recent figures from the Federal Reserve, 1997.


Maintaining Your Family's Balance

As you know, a successful family depends on the balance of its routines. Each family member assumes responsibilities that make the family work. And today many rely on two incomes to keep on track with their financial goals. But if your family depends on only one parent's income, don't forget to add up what the other parent contributes. Would you be able to replace it? Consider the cost of day care, or before and after school care, rides to soccer games and scout meetings. Who would keep your house in order and feed and nurture your loved ones while you are at work? You may have to pay for help in maintaining balance in your lives. A smart financial plan accounts for these routine needs.


A Vital Plan For The Future

Like your growing and evolving family, your financial plan must be a vital and changeable design for the future. You review it frequently to evaluate its relevance to your current needs. As your children grow and your lifestyle changes, so must your plan. If your life stops suddenly, your plan must carry your family forward. The death of a husband or wife is among the most devastating losses one can suffer – both psychologically and financially. A recent study contained these findings:


Following a spouse’s death:

Widows experience an average 38% drop in household income.

Widowers' incomes drop an average of 26%.

One out of 10 widows aged 45-54 years is unable to "make ends meet."


With life insurance proceeds, beneficiaries are able to:

Pay bills and loans 58%
Keep/renovate housing and contents 24%
Save or invest 18%
Improve or maintain lifestyle 21%
Make a major purchase (home or car) 8%

** 1998 Survivor Study conducted by the Life Insurance Marketing Research Association (LIMRA) International.

One effective and reliable way you can cover your financial needs is through an a
ppropriate life insurance policy. In fact, life insurance is a unique solution that provides a tax-free, lump-sum payment to beneficiaries in the amount you choose. Also important is the fact that life insurance is flexible in the way you can budget for it, and in the ways you can use it to meet certain expenses while you are living.


Why Leave The Future To Chance?

No one knows what the future holds. But through thoughtful financial planning, you can gain confidence that your family will be protected. Even if you haven't considered all your family's needs until now, it's not too late. Designing the right plan today can ensure that the dreams you've built will last.



Get term 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.  


Not all term product quotes from all term companies quoted are available in all states.

<Return To Previous Page>