Term Life Insurance Rates
||Whether your term life insurance
need is short term or long term, temporary or permanent, meant
as an investment, or a retirement vehicle. We will give you
the right information and the most appropriate quotes instantly.
We will explain, compare features, compare rates
on your term life insurance, and also help you determine the right
type of insurance that matches your situation. We'll obtain the
best possible life insurance rates for your circumstances.
All this information for free without any obligations!
Give the consumer simple objective term insurance
advice and the best service available. This simple philosophy is
practiced as our mantra. These guiding principles have helped us
become a premier provider of online life insurance quotes and helped
win numerous industry awards for Outstanding Customer Services and
Get Instant Term Life Insurance
Term life insurance is a simple and affordable
way to ensure your beneficiary financial security in the event that
you die within the period of, or term of the policy. The term of
the policy can vary from one to thirty years of coverage. The face
amounts stay level throughout the term and generally begin at $25,000
and increase to meet your specific needs.
Term life insurance is affordable because it does
not accrue a cash value and only pays the death benefit. Therefore,
the initial premium is much lower, allowing you to easily budget
for your coverage. This option offers great value to an individual
that needs a death benefit for a specific period of time. For example,
term life insurance is a good choice for people that have started
a family and need to consider paying for college, have amortized
loans, or have a specific financial burden that will decrease over
time. After the kids graduate from college, the amortized loans
are paid down, or the specific financial burden has decreased, the
need for cost effective high levels of coverage may not be as great.
At this time your options vary.
Term life insurance policies (10
year, 20 year,
30 year) usually
can be renewed at the end of the term. Perhaps at this point in
your life a shorter term and smaller face value will adequately
meet your needs. Keep in mind that there is a direct correlation
between age, health and premium costs. Subsequently, with advanced
age and the health issues associated with age, your premiums will
probably be higher and eligibility is not as easy. You may want
to consider converting to a permanent life insurance policy at this
Get simplified information:
Often information is sought from surfing web pages endlessly and
ultimately making it more confusing that when you started in the
first place. All you need to do is input the information asked,
and our quote engine will give simplified information instantly
that will enable you to make the right decision for your insurance
needs. We help you access information simply and easily.
No matter what is your level of risk - smoker,
key man - we can help
you find the best life insurance policy for your particular situation.
Not sure if you should get Term or Whole Life
Insurance, read our opinion on this subject - Whole
Insurance vs. Term Insurance. Or explore a No
Medical Life Insurance policy and avoid the hassel of a insurance
paramed exam upon applying.
24 Hours Access:
Being online makes it all the simpler. You can access us on a 24x7
basis through out the year. By just filling up the quote form or
calling us on our toll free number, you can start saving money today.
Pact of Privacy:
You can always be sure that the information supplied to us will
only be used for the purpose of quoting term life insurance rates
by us or one of our trusted partners.
Giving the right information to our customers
is our business!
"Thank you for taking the time to discuss all of my options
with me. I never felt pressured to buy, but I am certain I got the
right term life insurance for my needs" --Ken , Raleigh, NC
"Allowing me access to you through this entire process
provided me with more than great customer service it gave me piece
of mind and confidence I have made the right decision" -- Janet,
"I am always overly critical of other insurance related
websites on the internet, but I have to stay your website has great
information and was easy to use. I like how your quote page displays
real time rates from all the insurance carriers. The side by side
comparison made the process of shopping for life insurance simple
and fast! Keep up the great work" -- Scott, of Schuerman
"I was already so frustrated with this process and the
many online life insurance websites who were more interested in
selling my information than assisting me. However, when I found
SpectrumInsuranceGroup.com I received all of the answers to my questions
and the personalized service I was looking for. The pressuring phone
calls stopped, and I was able to work with one individual through
this whole process. Steve of Spectrum Insurance Group is professional,
courteous, and in my opinion truly enjoys helping people protect
their family and loved ones. I would recommend him to anyone!"
-- Margaret, Alpine, Utah