What do you get when you ask for quotes for term life insurance? You are asking for a price on temporary life insurance. You get various options to pay, varying length of coverage, various methods for paying premiums, names of companies quoting and their financial strength rating. Financial strength ratings tell you how solid the insurance company is financially and whether they will pay on a claim or not and be there when you need them.
Term coverage is, once again, temporary life insurance for a designated number of years, which usually ranges anywhere from one year up to 30 years. However, it may also last until you reach 65 or 70. If you outlive your policy, coverage ends. If you pass on while your policy is still in force, your beneficiary gets the death benefit.
Not familiar with instant quoting insurance websites? Call a local, licensed agent or if you’re a bit more technologically adept, call the companies listed online directly. Or, surf a website that offers multiple quotes. This gives you access to an enormous network of insurance carriers and there is something for everyone.
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