Term Life Insurance Quotes, Get the Best Policy with the Lowest Rates

Low Cost Term life insurance is an excellent choice and is the most common form of life insurance in the United States. The only concept you have to keep in mind is the fact it is a temporary version of life insurance that is purchased in time increments. If you need life insurance for a specific period of time, affordable Term life insurance may work out very well for you. Our website’s quote engine will allow to get immediate Term life insurance quotes and display over 40 life insurance companies side by side. You will quickly be able to get an idea what company would offer you the best life insurance rates. A Term life insurance policy can easily be designed to fit any situation. There are different versions available that will depend on what your planning on using the life insurance for.

1. Current or Insurance Age – Your age is the single most important element in determining your life insurance rates. The way the statistics look at it, the older you are the closer you are to death. If you are young, now is the time to buy your life insurance and lock in those very low rates which you will never see again. Some insurance companies go by your actual age. The other insurance companies go by your “insurance age” which is the age to your closest birth date. For example, if you are 35 years old and your birthday is in two months. Your insurance age will now be age 36.
2. Age – Your age is the single most important element in determining your life insurance rates. The way the statistics look at it, the older you are the closer you are to death. If you are young, now is the time to buy your life insurance and lock in those very low rates which you will never see again. Some insurance companies go by your actual age. The other insurance companies go by your “insurance age” which is the age to your closest birth date. For example, if you are 35 years old and your birthday is in two months. Your insurance age will now be age 36.
3. Your Gender – Women normally live a few years longer so you will see a variation in the premiums of about 10 – 15% less for females. Women also go to the doctor more than men which helps them get a head start on any medical problems they are facing. Unfortunately men tend to wait longer and a lot of medical conditions have already been active before the male even finds out. You can get more information about this by reading our life insurance for women blog post.
4. Height & Weight – Your height and weight is extremely import and I can’t stress this enough. Overweight or Obese people can pay an additional percentage added on to the premium for their weight situation. If you are heavy enough you can easily be declined. The life insurance companies go by a build chart that shows what their weight should be for their height. Being overweight is a very serious risk factor that could cause heart attacks, strokes, Diabetes and many other medical conditions that could take a persons life.
5. Your Overall Health – Needless to say, the status of your health is also extremely important. Medical conditions can change the course of your whole life. They can determine how long your going to live. Poor health can place an applicant into a high risk life insurance classification. We use quite a few companies that have liberal underwriting for people with medical issues but a clean bill of health is always the best. High risk health classifications can cause you to pay more money for your premiums. They can even cause your application to be declined all together. We usually perform quick and simple medical pre-screens for our applicants so they know where their application is headed before they have any surprises later in the application process.
6. Your Occupation, Sports & Hobbies – If you have a hazardous occupation such as a Iron Worker, Logger, Pilot, Farmer, Rancher, Garbage Collector, Power Line Installer, Roofer or Truck Driver for example. Your final premium may be higher because of the dangers of your job. If you have a dangerous sport or hobby such as Drag Racing, Skydiver, Rock Climber, Scuba Diver, Motorcycle Racer or a Commercial Fisherman for example, your rates can be affected also. One of our biggest specialties is providing low cost life insurance for dangerous occupations and sports. We have many companies that do a great job in this high risk category.
7. Your Driving Record – Your driving record is taken into consideration because a driver with a lot of motor vehicle driving violations usually is a dangerous driver. A dangerous driver has a much greater chance on having a fatal car crash than a good safe driver does. The companies run a motor Vehicle Report when they are processing your application.
8. Addition of Policy Riders – When you apply for life insurance you may choose to elect policy riders such as a “Waiver of Premium rider”, an “Accidental Death Benefit rider” a “Child’s Term rider” among a few other. These can increase the premium of your policy.
9. Your Policies Time Element – How long your life insurance is going to last will also make a big difference in your premium. For example if you purchase a 10 year Term life insurance policy, it will cost a fraction of a 30 year policy would. A permanent policy such as Universal Life or Whole life insurance will cost even more.
10. The State You Live In – The state you live in can also play a considerable part in the cost of ones life insurance policy. Term life insurance quotes can vary from state to state because of the risk factors in each of the states and the cost of doing business in that state.
11. Your Smoking Status – By far one of the biggest factors in you Term life insurance quotes will be based on the question if you use tobacco products or not. If you do indeed smoke, the companies want to know what you specifically smoke. When you look at tobacco products from Snuff, Cigars, e-Cigarettes, Pipes and finally cigarettes you can be paying over triple for your life insurance premiums. Even smoking Marijuana can have an impact on your rates. By far, Cigarettes are the number one problem for a person applying for life insurance. Smoking is basically treated like a medical condition but usually much worse. If you smoke, do yourself a favor and plan on quitting. We have some companies that offer very good tobacco rates for smokers.

First, let’s take a look at some of the most important reasons and then you can make this decision for yourself. For all practical purposes, there are two types of insurance agents. There are the independent agents like us which we will talk about first.

As independent insurance agents, we work for our clients in all 50 states and virtually guarantee nobody can help you get a lower premium or a better plan design for your money. We only give professional advice without the very common sales fluff most people do not want to hear. If you appreciate this type of service, you will be very happy with our agency and get the results you are looking to achieve.

Complete Your Application Over the Telephone Quickly & Easily!

For many years people would always dread the idea of having to complete a 30 page paper application. Then the times changed and the invention of the online application saved the day and expedited the application process. We now use the very simple telephone applications to again cut down on the time consumption. This makes the application process more simple for everyone concerned. Individuals now go over the list of companies and determine what carrier will give them the best rates. They can move into a simple 10 minute telephone application.

While you’re here, take a moment to get to know more about us and our company founder, get to know Jack.