Term Life Insurance Learning Center

Everything you ever wanted to know about life insurance...

Life Insurance Blogs

 Why Life Insurance Blogs Make Great Research Tools

Life insurance is essential for every individual, whether married, single, old, or young. Life insurance ensures that your family will not be left with a financial burden in the event of your passing. While no one wants to think about their passing, life insurance can help you feel more secure in the event that something unfortunately does happen. If you have been calling around looking for life insurance quotes, chances are you are at least moderately overwhelmed. Life insurance blogs can help bring the information to a more conversational tone that is easier to understand than traditional insurance jargon.

Life insurance blogs are often written by experienced life insurance sales people. They understand what you are looking for and why you would need life insurance. These blogs can contain valuable information that you as a consumer would be looking for. For example, what is the difference between term and whole insurance? And, once you know the difference, which is better for you and your situation? These answers can be found in life insurance blogs written by individuals with experience selling life insurance.

In addition, these types of blogs can help you to begin understanding the world of life insurance. Individuals with experience selling insurance may have a blog for their work, and these blogs will have information about the types of insurance that they sell, general rates, and who might qualify. All of this information can be extremely helpful for someone who is actively looking to purchase a life insurance policy.

Blog Comments – Valuable Feed Back from Life Insurance Blog Readers

However, sometimes it can be helpful to read another perspective about life insurance. Many life insurance blogs, or rather blog posts, are written by individuals just like you who had questions or personal experiences with life insurance. These posts can be found on general, every day blogs. If someone has experience with losing a loved one, they might have personal experience with life insurance claims that they are willing to share through their blog. These blogs can help you to understand which companies are easiest to work with, which companies might make things more difficult, and how the process works with specific companies or policies. While it may be difficult to read someone’s account of their experience with life insurance, it can be beneficial to know first hand how the life insurance process works in reality. If you combine the information that you read about life insurance in professional blogs with the information you find in non-professional blogs, you should be able to make an informed decision when making your life insurance purchase.

Empower Yourself 

Regardless of what type of life insurance blogs you decide to read, it is important to become informed about the life insurance that you plan on purchasing. The goal of most life insurance blogs is to educate you about your insurance purchase, or to provide you with relevant information about your insurance choice. These blogs are easy enough to find as well. A simple online search will return a plethora of results. These blogs will help you to determine what type of insurance is best for you, and it can even help you to determine which specific company to choose for your insurance needs.
Despite the fact that it is not required, life insurance is equally important as vehicle insurance. People do not expect to get sick or to be in an accident, but planning for the worst is essential. No one wants to leave a large bill behind for their families and friends, and a funeral can be several thousand dollars for just the basics. Reading life insurance blogs will help reinforce the need for you to carry life insurance, and the information that you find in these blogs will help you to navigate the tricky world that the insurance business can be.

If you have any questions about life insurance please call our office at 401-884-4600 or get quotes from the top providers instantly!

How to use Life Insurance Blogs for Research

Tips for Getting Cheap Term Life Insurance That’s Right for Your Needs – Take 2

Tips for Getting Cheap Term Life InsuranceTop Tips for finding Cheap Term Life Insurance

We wrote a similar article on how to find cheap term life insurance rates online.  We’ve added a bit more information to this article to clarify a few things and help you make the decision easier.  Purchasing cheap term life insurance is possible.

It is also possible to purchase a policy that has ample coverage for your specific needs. The key is to know what to look for and to carefully compare policy options. Once you find a trustworthy insurance agent, the process is easy to follow. There is no reason to go without providing this type of financial protection for your family when options are available that fit your budget and your family’s needs.

The following tips can help you to get cheap term life insurance that’s ideal for your family. Do this before investing in a policy.

#1 – Buy Sooner Rather Than Later

The worst thing you can do is to wait to purchase a policy. The sooner you invest, even in your 20s and 30s, the less expensive the policy will be. Of course, there is no way to know when your family may need this policy, either. The worst thing you can do is to put off getting it only to be in a situation in which your family needs it. Get it while you are younger, healthier, and still here.

#2 – Keep Yourself Healthy

When shopping for term life insurance, one of the first factors that will figure into the cost is your health. If you are overweight or otherwise living the type of lifestyle the insurance company would think of as risky, such as drinking a great deal or not managing any underlying health condition you may have, chances are good this type of policy is going to be significantly more expensive for you. Instead, invest in your health so you do not pay as much in insurance costs.

#3 – Tell the Truth Always

One surefire way to pay too much is to be dishonest about your lifestyle and hobbies. No matter how cheap term life insurance is if you don’t tell the truth about the things you do, if you die doing one of those activities, your family could miss out on the funds. Even more to the point, that can be a very expensive policy to pay for over the years if your family does not get to cash it in. If the insurance provider can prove your application contained false information, it will cost your family.

#4- Compare Your Options

There is no need to shop for insurance from a family member. In fact, buying from someone who promises you the lowest rate because you are “family” isn’t likely giving you a great price on the policy you need. Rather, shop and compare policies form numerous providers until you are satisfied that you have the best possible product for your needs.

#5 – Buy What You Need

Like with any other type of insurance, buying too much will hurt your budget and not provide for the needs of your family any more so. Instead, buy what you need. Determine how much money your family may need for two to five years after your death (or the length of time you want to provide for them.) Then, consider debts you may have and other funds you want to provide. Then, purchase enough coverage for these needs.

Cheap term life insurance is available, but to get it you need to buy smart. Invest your time in talking to agents about your options. Be honest about your lifestyle, health, and budget. Discuss your overall goals. You may be surprised to learn just how cost effective this type of policy can be for your needs, especially when it ensures your family’s well being for years to come.

Get a quick term life insurance quote right online or call our office for more information at 401-884-4600.

cheap term life insurance policies

Apply for Life Insurance Online

Have Insurance Companies Compete for your business!  Apply for Life Insurance Online.

Apply for Life Insurance Online

We do everything online now.  Buy cars on ebay.  Search for the best mortgage rates on bankrate.com.  And now we can apply for life insurance online and have all the top companies competing for your business from one simple form.

Purchasing an insurance policy that is the right fit for you and that offers enough coverage can be overwhelming. There are many factors involved in choosing the type of life policy you need and the amount of coverage that will ensure that your family is taken care of when you pass away. Working with an insurance agent to determine exactly what you need is a good start on your path to buying insurance.

An agent can make sure that everything important in choosing a policy is considered. If you already know the type of insurance that you want, you may want to apply for life insurance online.

types of life insurance policies

Why we love the internet!

Using the Internet to find life insurance will allow you to compare life insurance plans to help decide what type of insurance will work best to meet your needs. Then you have the option to apply for life insurance online after getting quotes or have an agent do it for you over the phone. Getting a quote for affordable life insurance is a simple process and will let you decide which company you would like to work with.

The company and agent that you choose can be just as important as the type of policy and the amount to be paid when you are no longer living. The company should have good reviews, be well established, and pay claims quickly. An agent who is very knowledgeable, responsive, and who can understand your needs and concerns when choosing a life insurance policy is ideal.  Many websites offer life insurance. Apply online with a site that is reputable so that your information will be safe and secure.

 What Types of Life Insurance Can I Apply For Online?

If you have no idea what types of insurance policies you can choose from or how to determine how much money you need your policy to pay out, it would be better for you to work directly with an agent. Life insurance can be complicated, but with an agent, the process is simplified. You may apply for life insurance online, over the phone or in person at the agents office.

With a series of questions, the agent can narrow down options for life insurance that best fit your needs and then help you choose which one you would like to purchase. The company and agent you choose are also important if you are buying insurance in person. Do some research about agencies and agents in your area on the Internet and ask friends and family if there is a company or agency that they would recommend. Choosing a great company to hold your life insurance policy and a trustworthy agent to work with will ensure that you get the best policy for your life and that claims are paid in a timely manner. Remember that you can apply for life insurance online no matter what your situation is, but with little knowledge of what insurance you need, it will be easier to work with an agent.

Note: Try our Life Insurance Calculators to get an idea of the amount of life insurance you may need.

These days you can simply apply for life insurance online.  But buying life insurance can still be stressful, but it doesn’t have to be with the help of an agent who knows exactly how to help you find the insurance that you need. Life insurance is a necessary part of life to protect your family when you are no longer living.

At the minimum, your life insurance policy should cover medical expenses and final arrangements. Ideally, it will leave some money for your family to continue paying bills while they adjust to losing you. It is better to buy life insurance sooner in life rather than later, so do not wait to discuss your needs with an agent. If you do not want to meet with an agent, you can do a little research and apply for insurance online. You need to have an idea of what you need in a life insurance policy or have the patience to learn about the different types of policies and how they all pay out when you pass away.

If you need help or have any questions please contact us today or get a Free Life Insurance Quote Online now.


Average Cost Of Life Insurance

How much should  Life Insurance Cost?

average cost of life insuranceEveryone is aware of the necessities and benefits of life insurance. Life Insurance provides monetary safety to your dependents in case of any unforeseen event and enables them to enjoy a good quality life after you are gone. Apart from this, it is also an excellent way of saving money through the tax benefits you receive.  The one question that leaves most people confused is what the average cost of life insurance might be.

The average cost of term life insurance also keeps many people perplexed since there are many factors that can play into life insurance premiums. This article tries to demystify the complexities of life insurance and give you a clearer picture of how much your life and term insurance should cost and the types of life insurance available.

There are basically two types of life insurance policies that one can purchase. They are term-life policies and whole-life policies. Term-life policies pay only a death benefit to a beneficiary, whereas the whole-life policy has investment benefits too. The average cost of life insurance of course depends on the types of policy you take. The average cost of term life insurance is thus different from that of a whole-life policy. In general, the cost of term insurance is less than whole-life insurance, but the pricing depends on many other factors that are described below.

The first thing that one should know before evaluating the average cost of life insurance is that the annual costs primarily depend on your age at the time of applying for a policy.

If you start a policy at an age of 40, your premium would be much less for a similar policy than if you begin at the age of 50 or 60. In general, the average cost of term life insurance for 20 years of coverage and a $500,000 death benefit for a 40 year old individual would be about $350 a year.

Premiums of a similar term and benefit policy for a 50 year old can be as high as $1000 a year. This is because the insurance companies evaluate life risks differently at different ages.

The average cost of life insurance would also depend on how big a death benefit you want to subscribe for. As one can guess, the higher the death benefit you want, the higher the premium for the average cost of term life insurance would be. This kind of goes without saying, but one must be sure of how big a policy you want or in other words, can afford. There is no wisdom in subscribing for a policy that is too expensive and you cannot afford, just so that the returns are high in case of your death.

Another thing to keep in mind when calculating average cost of life insurance is of hidden costs. The average cost of term life insurance does not carry any hidden costs. However, the whole-life policies usually carry hidden costs in the form of fees. This makes these policies more expensive in terms of premium as compared to term policies. The average term policy premiums for $250,000 death benefit may be between $300-500. The premiums for a similar whole-life policy may be as high as $1200. However, keep in mind the extra benefits that these whole-life policies offer in the form of investment and returns.

Lastly, one thing about pricing factors that one should keep in mind is that the average cost of life insurance is determined by various factors that also include the lifestyle habits of an individual. If you happen to be a smoker, your premiums would be higher than the ones who do not smoke. Other genetic factors also have an effect on the cost of the insurance.

If you need more information you can contact us or get a free instant term life quote here.

How To Get Life Insurance

How To Get Life Insurance. What is the Process? Who Do I call?

In the article we cover the basics of how to get life insurance, who to call, what the process is like, and how long it takes.  It really can be quick and painless.

Life insurance is an important step towards protecting your family’s future. One of your most valuable assets is your income, and life insurance (term life insurance, whole life insurance or other types) affords protection for that income. In the event that something happens to you, proceeds from a policy are provided to the named beneficiaries to help pay for rent or the mortgage, groceries, or even college expenses. Life insurance is an important stopgap product for peace of mind. So the questions area….how to get life insurance (affordable life insurance), at the cheapest possible price, from the best life insurance companies? There are several ways one can obtain life insurance and we’ve put together a few steps that should be taken before getting started in the process. [Read more…]