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10 Minute Term Life
In less than 30 seconds you can Quote, Compare, and Apply with top insurance companies. No Exam Life Insurance Plans (just a few health questions) available!
 
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Term Life Insurance rates have just been lowered.
We have helped over 100,000 people secure insurance to protect their loved ones.
The Policy Warehouse Life Insurance Plans all come with a 30 day money back guarantee.
Read thousands of Real life customer reviews.
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 Life Insurance 
Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.
For a free no obligation life insurance quote, please fill out our life insurance quote form
Types Of Life Insurance
There are different types of life insurance policies. However, they all are variants of two major types. It will be a good idea to get a grip of each of these major types of life insurance before you buy your life insurance policy.
Life insurance has two main types: Term life and whole life or permanent insurance.
A term policy gives coverage for a specified period. It usually ranges from 1-20 year terms. Some insurers may also offer longer terms or have special variations of these. A term life insurance pays out a death benefit only upon the death of the insured. The insured would have to die within the term for any form of benefit to be paid out. In the actual sense of the word, term life is the only pure insurance policy of all life types and variations. This is because it insures against an event that may or may not happen.
A whole life insurance policy (or permanent life policy) is effective for the entire life of the policy holder provided premiums are paid as and when due. A death benefit must be paid upon the death of the insured whether it happens at age 40 or 100.
You might have seen other forms of life insurance policies. They are simply variations of term life and whole life insurance policies. If you have to read this to know what types of life insurance policies there are then you are better advised to get either of these basic types.
You could save some hundreds or even a few thousand dollars by simply obtaining quotes from about three insurance quotes sites. You will need to take out only 15 minutes to obtain quotes from three insurance quotes sites. However, ensure you give your correct details as you complete the questionnaires on each site. Furnishing false details will produce misleading quotes. When the quotes are returned simply pick lowest insurance quote for you from the list of quotes obtained.
No Exam Life InsuranceNo exam life insurance is a fantastic option for people who don't want to deal with the trouble and hassle of a medical exam. Not only do you have to rearrange your already hectic schedule for the physical, but it also involves giving urine and blood samples. Most people prefer to avoid needles and nurses at all cost. No exam life insurance is also good for those folks who think they might not qualify for life insurance if they did get a medical exam. Even people who may have no problem passing a qualifying medical exam may still opt this form of term life insurance because it is so quick and easy.
Term Life Insurance Quotes
Term life insurance quotes: A term life insurance policy is a life saver when you need protection but are hard-pressed for cash. And although it's a lot cheaper than other life insurance policies, you'll still want to save even more without compromising the quality of coverage you get. That's basically why you ask for term life insurance quotes.
We all know that you can bring down your term life insurance rates by getting quotes from a reputable insurance quotes site. What most don't know is how to get the best price value. Getting the best price to value ratio involves two steps: Getting the best term life insurance quotes and then making sure you pick not just the best offer but the best offer from a company you can trust your life with.
How to ensure that you've got the best price/value quotes: No matter how cheap an offer is it isn't worth a dime a dozen if it isn't backed by a solid insurance company. And, in matters of life you have to be even doubly sure. You just have to check an insurer's ratings.
And there are two ways you'll do this: Start by getting quotes from only reputable insurance quotes sites. These sites are only affiliated to solid insurance companies.
Thereafter, use independent ratings agencies like AM Best, Duff Phelps, Standard & Poor's, and Moody's. Finally, your state's department of insurance or its equivalent is there to help you make assurances doubly sure. This is the sure way to get the most out of term life insurance quotes.
Top things to know
1. All policies fall into one of two camps.
There are term policies, or pure insurance coverage. And there are the many variants of whole life, which combine an investment product with pure term insurance and build cash value.
2. Insurance is sold, not bought.
Agents sell the vast majority of life policies written in the U.S. because the life insurance industry has a vested interest in pushing high-commission (and high-profit) whole-life policies.
3. Whole life is expensive.
Policies with an investment component cost many times more than term policies. As a result, many people who buy whole life often can't afford an adequate face value, leaving themselves underinsured.
4. Whole-life policies are built on assumptions.
The returns quoted by the agent are simply guesses - not reality. And some companies keep these guesses of future returns on the high side to attract more buyers.
5. Keep your investing and insurance strictly separate.
There are better places to invest - and without the high commissions of whole-life policies.
6. Buy enough term coverage to fill your needs.
Life insurance is no place to skimp, especially with rates at historic lows.
7. Match the term of the policy to your needs.
You want the policy to last as long as it takes for your dependents to leave the nest - or for your retirement income to kick in.
8. Buy when you're healthy.
Older people and those not in the best of health pay steeply higher rates for life insurance - so buy as early as you can, but don't buy until you have dependents.
9. Tell the truth.
There's no sense in shading the facts on your application to get a lower rate. Be assured that if a large claim is made, the insurance company will investigate before paying.
10. Use the Web to shop.
Buying life insurance has never been easier, thanks to the Internet. So fill out a quote form or give us a call.
For a free no obligation life insurance quote, please fill out our life insurance quote form
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