Term Life Insurance Quotes
Whole Life Insurance
Universal Life Insurance

Term Life Insurance Quotes

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What to look for

The rates shown in life insurance quotes are accurate insofar as they apply to the rating class they refer to. So there are two important aspects to look at. Which life insurance company has the best life insurance quotes for the classification that you can qualify for? Secondly, is that company financially strong and reliable so it can pay the claim in years to come?

Since the death benefit of term life insurance is quite simple, it is easy to compare life insurance quotes if that is all that is important.

However, there may be differences in conversion rights to a permanent form of insurance at the end of the term. If that is important, it is a factor to consider in addition to price comparisons. If not, life insurance quotes are like comparing suppliers of a commodity.

Quotes Guaranteed

Additionally, not all term insurance has a guaranteed level premium for the whole period. The non-guaranteed products have a premium guarantee for only part of the term and may or may not continue with the same premium when the guarantee period is over. The insurer may be expecting to be able to continue the same premium past the guarantee period, but is not guaranteeing that.

If the difference between guaranteed and non-guaranteed life insurance quotes is not great, the guaranteed product would definitely seem preferable. However, if the difference is significant, then the non-guaranteed product may be worth considering. The risk is that your health may change during the guarantee period putting you into a more expensive rating class if you reapply.

The insurer may raise the premium by a large amount after the guarantee period is over, so life insurance quotes are a guide only for the guarantee period. The insurer could decide to make the change at any time during the non-guarantee period.

Help with Quotes

If you like, you can contact us if you want help in discovering what is best for you. We can also get you the application from almost every life insurance company.

The actual rate offer to a particular applicant is made by the life insurance company after review of the application. If you did not get quotes for your actual risk category, it may be substantially different from the original term life insurance quotes you received.

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