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Are you looking for an affordable life insurance policy to protect your family?

Term life insurance is the simplest, and usually the cheapest kind of life insurance that you can buy. The way term life works is you make regular payments throughout the "term" of the policy. The term may be ten years and the regular payments are often quarterly or monthly. The insurance company will pay your family a lump sum if you die during the period your policy is in force. For example, you may buy a ten-year policy with a $100,000 face value. This means the company will pay your family $100,000 if you die within those ten years, as long as you are up-to-date on your payments (also called premiums).

Term life is often a great choice for young families on very tight budgets. If you buy a "renewable" policy, you can renew the policy for another term.

Insurance companies look at your risk of dying before they issue a policy. If you are a smoker, for example, you may have to pay more for insurance.

You can use the search engine on this website to help you find a policy best for you. Just put in a few bits of information (everything will be kept confidential) and our engine will comb through hundreds of different policies from A-rated American companies to find the one best for your needs.

Some people prefer to buy a more permanent kind of life insurance called "whole life." This kind includes an investment component. Part of your premiums goes for coverage for your life insurance policy, and another part accumulates as an investment. This type of policy is designed to last your "whole life." These policies usually have "level premiums" which means you pay the same amount throughout your life.

With "universal life insurance," both your premiums and the face value of the policy can change, as your needs for insurance change. For example, when you have children at home, you may want to sign up for a higher benefit than after you retire. Universal life is also designed to last your lifetime and accumulate as an investment as the insurance company pays you interest.

"Variable life insurance" has many features of universal except that it allows you to invest in a variety of options, instead of just interest from the insurance company.

"Second-to-die life insurance" is also lifelong and flexible like universal life. The main difference is that the policy insures two people, usually husband and wife.

You can check the rates not only on term life insurance but also whole life, universal, and second-to-die by utilizing one of the two quote options above.


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