Term Life Insurance Vs. Whole Life

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Free term life insurance quote?

How do I get a term life insurance quote online?
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You can go to the site I have listed below and you can get a "Term Life Insurance Quote from them" I recently received a quote from them to insure my family. Hope this helps

www.lifeinsurance.notlong.com

Where is a website that gives you life insurance quotes instantly?

I’ve been looking all afternoon for a site that you can fill out your information and get a quote instantly. I need this for a school project, but I’ve been given the run around on sites, had one demand payment before telling me the terms (didn’t give them any bank or credit info for that) one that said they didn’t have anything in my area for me, but had the nerve to call anyway and they couldn’t get off the phone fast enough when I said it was for school(that was the main reason I opted for the online research- I don’t like talking on the phone with people who assume I know nothing and they can take advantage of me). I’ve already comprise a sites I’ll never buy insurance from, but my teacher wants quotes from 2 companies on both term and whole life insurance. Please help!

Try this site

bestinsurance.notlong.com

Here you can compare quotes from different companies

Which insurance company in California offers a $5K-$10K term life policy?

I am looking for a term life policy which pays $5-$10K. All of the major companies I searched for do not give online quotes and the services that do offer online quotes start at $100K.
It is for burial purposes. The amount is low because that is all it would cost and because the monthly premiums have to be low over and paid over as little time as possible.
Every time I try getting a quote online it does not give it to me and has a form for an agent to contact me. When I call a local agent, they do not give me any details and are not helpful if I can even get a hold of them.
Doris: went to toplifeinsurance.They do not sell burial policies in California.
Richard: That link was a guide to several insurance companies but they wont give quotes online and have a contact form for a salesman to call me.
I want life insurance because if something happens they will pay out for burial no matter when you go, but a burial plan does not bury you unless you are paid in full. If I have no one else to do that, I have to have life insurance to leave the money with someone to do that.
Henry: That was a good web link you gave. The insurance companies there could not sell a policy for less than $100K and they are not the highest rated companies. Thanks.
I have to pick Best Answer but everyone send good answers. I found out that term life won’t work because of the high policy amount & the 10-year limit. Thanks to all.

What could possibly be the purpose of a term policy for this small an amount?

Term insurance is temporary insurance; it is for temporary needs only. A death benefit this low could likely only be a burial policy. Such a policy is worthless unless it is guaranteed to be in force when the insured dies. That means that permanent coverage is required.

Life Insurance for a Thai citizen?

I’m trying to find insurance companies that provide whole or term life insurance to Thai citizens living in Thailand that provide quotes on the internet, or easily through email or online forms. At the very least, I’m looking for insurance company recommendations for Thai citizens living in Thailand. I’m not sure which ones are legitimate. I don’t want to deal with one that will give the insured person problems or one that will close up shop in a few years.
I know there are many insurance companies – I am looking for recommendations from personal experience.

Many insurance companies here have you tried to google it. Your get lots of results. AIA is one of many life insurance provides here also most of the major banks have a life insurance program. However most of these sites will be in Thai and unless you can read thai is may be useless.

Free term life insurance quote?

How do I get a term life insurance quote online?

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My recommendation is that you call a LOCAL agent and have him/her do a FREE personal Financial Need Analysis (FNA), or other Total Need Program, to help you determine exactly how much life insurance you need, and what types or combination thereof, to accomplish your short and long-term goals and objectives. (Your quote will also be FREE.)

Keep this in mind, that Term insurance is designed to cover a temporary need for a specified period of time. According to insurance industry studies, only about 1% of death claims are paid by Term policies. The reason is that either the policy expires, lapses for non-payment, or is converted to Permanent insurance prior to the death of the insured. This is also the reason that Term insurance is so inexpensive, because insurance companies don’t expect to be paying the claims on Term policies.

With the above information in mind, you may want to consider a combination of Whole Life and Term. But the decision is completely yours, after you have gained knowledge from the personal FNA, of what your total need for life insurance is. It’s YOUR plan, and no one else’s.

The FNA will also help you determine if you need Disability Income Protection, to provide an income should you be hurt or sick and can’t work. It will also help you determine if you need an Individual Retirement Account (IRA) to provide an income at retirement. (All that will be there when you get there is what you send on ahead.)

According to statistics, disability is a greater risk than death prior to the age of 65.

What companies still offer "actual" Mortgage Life Insurance policies?

Unfortunately, there is some extensive health history that prohibits the application of such traditional Term/Whole life solutions. From what I understand, actual Mortgage Life Insurance is a decreasing plan (following the decreasing principle of your loan) that is shared by both borrowers and designed only to pay off the mortgage in the event one or both borrowers dies.

Can you give me the names, ph#, email, URL, to any companies that offer this specific insurance product?

I have already asked my lender, loan servicer, and about 100 different B.S. online quotes Thanks.
Just to be crystal clear…I am not looking for Term Life Insurance, Whole Life Insurance, Variable, Universal, or any other typical live insurace vehicle. Eventhough the insurance industry has muddiedthe definiton; "Mortgage Life Insurance" is a specific product in it of itself.

Primerica is a company that offers decreasing term insurance. This is what you would call mortgage insurance. But you would have to qualify for health questions. Think about it, you are looking at a large amount of money. The co. wants to be sure that they pay out as little as possible. They want healthier individuals to be policy owners. So, you are looking for decreasing term insurance. Look in your yellow pages for Primerica.

what is the difference between term/whole life insurance vs accidental death insurance?

I’m trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses…

But I got confused when I read about accidental death ins- does this mean I will not be covered if I die of an illness or old age- but instead must die of an accident such as auto or slip and fall??

secondly, would I get taxed on the interest earned on the universal/whole ins or when the policy is paid out/ surrendered?

Correct. Term/whole life insurance covers you if you die, no matter what the cause. Accident only covers you if you die by accident – not murder, not old age, not cancer, not heart attack, not stroke. Not covered.

Universal life is tricky. Unless the interest is added to the face value for payout, it’s not taxable when you claim it. And when you surrender the policy, it’s only taxable if there’s a GAIN – ie, you get back more than you pay out. Which is pretty rare.

Bottom line – insurance is good if you die. Investments are good if you live. And insurance isn’t a good investment. It’s a good PLANNING tool, but not a good wealth building tool.

Don’t buy accidental death. Don’t buy whole or universal. Buy term, invest the difference, and you’ll be MUCH better off in the long run.

RUN THE NUMBERS. Do the math. The numbers speak for themselves.

Term life insurance and Type 2 Diabetes?

Ok, so I filled out one of the online forms that compare major insurance companie’s quotes for term life insurance, answering all questions honestly. What I got was at least three phone calls a day from agents on both my land line and cell phone..daily. A company called Matrix (not the one that quoted the best price the I checked), anyway they kept calling because by the time I got home they were closed due to the time difference in Hawaii. When I finally did speak with someone, they went through all the same questions again, and at the end the statement was "No insurance company will insure him(he is 55) because he is too high of a risk with type 2 diabetes". (This was not for me, but for a relative who has quit smoking, but it has not been a year). Is this true???

1: NEVER SHOP ONLINE FOR INSURANCE! online quotes are almost 100% of the time based on super preferred health status so their quote comes up on top. Super PRefered health status is essentially subhuman health….hardly had a cold in your life type of thing. If you have any doubts that you are super prefered, don’t apply online, if you get approved, you’re rates will be increased in most cases.

Go to a lisensed insurance broker so they can assess your situation fully and recommend a company that suits you need best.

#2 MANY insurance companies will insrure people with Type 2 Diabetes. IT depends on the severity of it though (if you’re insolin dependent then it’s tougher to get). My mother has applied and been approved with a standard rate and she has Type 2 Diabetes, high blood pressure and a family history of cancer, heart disease and strokes. Not every company underwrites the same and some look at different things different.

As mentioned, contact a broker in your area, go through your situation with them and they will be able to recommend someting that will suit your needs specifically. Every company is a little different, so the broker will take your information and contact each one and say "If I submitted an application for someone like this: **explains your situation**, what are the chances of getting approved" Kind of like a trial application.

Why Get A Term LIfe Insurance Quote Online?

Getting a term life insurance quote online is a great place to start your life insurance shopping. As with any purchase, the best way to get affordable term life insurance is to compare term life insurance rates. Many companies sell term life insurance. Each one prices their term life policies differently. By comparing their term life insurance rates, you will find the most affordable price.

Life insurance rate quotes are estimates of the rates you will pay on life insurance policies from various insurers. Our quotes can be received entirely online from the peace of your own home. Life insurance quotes detail the exact structure of the coverage including how the coverage works and what costs are contained in it.

While getting term life insurance quotes online, you’ll see there are a few options these days. One of those is term life insurance no exam. If you’re inquiring what it will cost you to get a life insurance policy without having to arrange a medical examination, you can get the data you demand by requesting a no medical exam life insurance quote online. You can easily do a search online of the life insurance providers that sell such policies. Places such as10minutetermlife.com is a good place to check out the rates on no medical exam life insurance and compare your options.

Gender plays a role in calculating the price of the term life insurance no exam policy because females have a longer life expectancy than males. The insurance company asks about your height and weight to determine if you are overweight and as such at risk of passing away during the term of the policy. This also pertains to the use of tobacco products, which is linked to terminal illnesses. If you are a tobacco user, be sure to admit that while obtaining your term life insurance quote online, if you don’t, your life insurance rate quote might not be accurate.

If you are a tobacco user, consider Term life insurance no exam. Life insurance rates for life insurance policies have fallen in recent years, even the no exam life insurance rates, which do cost more than policies for which you will take a medical examination. This is probably due to the increased competition in this market with many companies selling different types of policies. Those with a medical stipulation that would exclude them from obtain approval for life insurance through normal avenues can still have a small amount of life insurance to pass on to a beneficiary with no exam life insurance.

The younger you are, the less expensive the term life insurance no exam rates will be because you present less of a risk to the insurance provider. You can see what your rate might be by getting a term life insurance quote online. Keep in mind that the amount of coverage will also affect the premiums. Once you take out a no exam life insurance policy at a particular age and for a specific coverage amount, this is the monthly cost you pay for the term no matter how long it may be.

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