Instant Term Life Insurance Quotes
Our instant term life insurance quote website helps you find the right insurance policies to best suit your needs. If you're interested in getting a quote first read our brief introduction to the basics of life insurance below, then answer a few questions about yourself in the form on the next page, and we'll get you the instant term life insurance quote from over 50 companies to find the best term life insurance for you.
Term Life Insurance
If you're looking for a basic term life insurance policy, you're probably after a 20 year term life insurance quote. This covers the all the essentials and is also the best value term life insurance.
You pay a fixed rate over a specific amount of time (20-30years) and the term life insurance company pays out a lump sum if you die within that time. These policies insure your life, but do not provide any additional form of investment.
If you want to increase the guarantee of a payout, perhaps a form of permanent life insurance instead of instant term life insurance is best for you. These insurance policies do not expire as long as you pay your monthly premium and they also build you a savings for a payout before you die. There are two popular types of permanent life insurance if you don't want instant term life insurance:
Whole Life Insurance
With a Whole life insurance policy, unlike instant term life insurance, you will get a guaranteed payout on your death at any age if the policy is in force. This is why these plans are sometimes known as 'whole of life insurance'. In addition, your life insurance payments also build an investment fund which can be withdrawn or borrowed against. This cash value remains tax-deferred until you take advantage of it. As your beneficiaries are certain to get an insurance payout and you will be creating an investment fund, whole life policies are usually more expensive than instant term life insurance.
Universal Life Insurance
Universal life insurance is a permanent life insurance with added flexibility that term life insurance and whole life insurance don't have. As with whole life, it also invests a part of your premium in a tax-deferred, interest accumulating savings account, but additionally it allows you to use the interest from this to pay your monthly premiums. The policy will cover your whole life too, not just a fixed term. You can review the allocation of your payments into the death benefit and into the savings pot at any time, and can also move money between the two. All this flexibility means universal life insurance is better for those who are looking for a longer term plan than 30 years, because your premium will start high and it will take time for the investment to start paying for itself. We hope this overview of life insurance helps making the right choice even easier.
Speaking with an insurance agent about your new life insurance policy is almost a needed thing before you buy a life insurance policy that could possibly not help you like you would need to. Instant term life insurance quote online is your first step to securing your financial future.
CLICK NOW to get your quote. It's better to have insurance before you need it.
Trust us...it is never too soon to be protected!
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