Can You Afford Not To Get A Term Life Insurance Quote?

Term life insurance provides death protection for a stated time period. Term life insurance is perhaps the simplest form of life insurance. It was developed to provide temporary life insurance protection on a limited budget. Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as life insurance coverage to pay off a loan, or providing extra life insurance protection during the child-raising years.

In most states term insurance policies are offered providing level premiums for 5, 10, 20, and 30 year periods. These policies can be renewed or continued at higher premiums in most states to age 85 or 95 as stated in the policy.

With a policy in place today, you can:

• provide security for your family
• protect your home mortgage
• look at your estate planning needs
• look at other retirement saving & income vehicles

Adjustable premiums:Term life insurance policies have adjustable premiums. This means that State Farm may raise or lower premiums at some point specified in the policy based on projected changes of investment earnings, mortality experience, persistency, and expenses. However, premiums may never be raised above the maximum premiums stated in the policy.
Renewability:State Farm's level term policies allow the policyholder to continue coverage past the original coverage period of the policy. Each time the policy is renewed the premium increases to the amount for the then attained age of the insured. This right is usually offered for a specific period, which varies depending on the type of policy.
Conversion: Term policies are convertible to age 75 in most states. Conversion allows the policyholder to exchange a term life insurance policy for any permanent life insurance policy offered by the Company at any time while the policy is in force (subject to established policy minimums).
Life insurance sites often do not sell life insurance policies at all; rather they sell your information to one or many local agents. Make No Mistake! Recognize the difference! Sites that are valid should display the life insurance broker's name and included a listing of the states, the term life insurance broker is "legally licensed" and "legally appointed" to conduct business.
Term Life Insurance Quote is a FREE SERVICE dedicated to helping you with all of your life insurance quotes and term life insurance quotes needs. We offer access to a Nationwide network of life insurance and term life insurance experts.
People buy life insurance - term life insurance because too often most of their other plans fail. They buy it because they realize the need of protection for their families after their death; or for a reserve for emergencies and additional income for later years.

Life insurance can:

• Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
• Prevent a family's suddenly dropping from its accustomed standard of living after the death of the breadwinner.
• Provide continuous flow of funds for the living spouse.
• Allocate income funds for the children's education.
• Provide a retirement income throughout old age.
• Provide a reliable savings plan for the future.
• Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses.
• Furnish surplus earnings for the investors should disaster strike.
• The bottom line is this: While Life Insurance is not always the insurance product at the forefront of your thoughts, Life insurance is always a friend in time of need.