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Term Life Quote Request |
Term life insurance provides the most death benefit
protection for the least amount of premium for a limited period of time.
However, term life insurance is not considered to be Permanent
insurance. Other forms of life insurance should be considered if you wish
to build cash value, take tax-free loans or create a permanent protection
against premature death. Term life insurance is commonly used to create a
pool of dollars to pay for debts like a mortgage, college funding
and for general survivorship benefits upon the death of the insured.
Term life insurance is commonly available for one, five, ten, fifteen,
twenty, twenty five and thirty year periods. Time frames maybe limited
depending on age. Term life insurance is medically underwritten by the
insurance company, assuming the risk. A partial list of variables
considered by the insurance companies include: gender, age, height,
weight, smoker/non-smoker, blood pressure readings, total cholesterol
reading, ratio of HDL to total cholesterol, medications taken, hobbies,
occupation, illnesses and history of illness or death of parents or
siblings prior to age 60. Life insurance companies take on tremendous risk
when they underwrite a life insurance policy. Their underwriting
procedures help control the risk of writing life insurance
policies.
Term life insurance premiums vary greatly
between insurance companies. We subscribe to an electronic quoting
system that quickly provides term life quotes based on the information
provided. Quotes provided are not guaranteed until the insurance company
underwrites the life insurance application and issues the policy. Material
misstatements on a life insurance application are considered a third
degree felony in the State of Florida. The more accurate the
information provided the more reliable the quote provided. Please complete
the life insurance quote form below to receive a confidential free no
obligation quote. |
