Importance Of Insurance
The solution to financial security and peace of mind is Term Life Insurance. Term life insurance coverage should include all of the expenses your family will incur after you are gone. It is not easy to predict term life insurance needs as your family grows. Term insurance must be balanced with affordability. Let our dedicated and knowledgeable staff assist you in this process on line or by phone. Term insurance acts as a financial safety net. Term insurance should fulfill your financial goal for your spouse/partner and children in case of the unfortunate untimely death of the income provider.
How much term insurance do you need? Calculating the economic value of a human life to a family is important, but there is no magic number. Our term life insurance calculator will provide you with an estimate of the amount of term insurance needed to replace a deceased wage earner's income. The calculations assume that proceeds are invested at a rate you specify and that your purchasing power is retained based on your assumed rate of inflation.
Get The Facts
A term life insurance policy guarantees that your premium will not increase (remain level) for the effective period of your policy . Many other quotation services will quote non-guaranteed premium policies to their potential clients. Which means that premiums can be raised after an initial period. Some other term life insurance quotation services will quote ALL their potential customers at the Preferred Plus classification in order to present the lowest possible premiums. The problem with this practice is that most individuals (about 80%) do not qualify for this classification and are not made aware of this until they are presented with higher rates after waiting through several weeks to months of the underwriting phase. Don't let this happen to you. At QuoteNavigator.com we present you with the lowest priced premium quotes for YOUR profile.
Term vs. Cash-Value
The savings of term vs. cash-value policies can run from hundreds to thousands of dollars per year. Personal Finance Managers have long recommended term over cash-value policies as the sensible choice for most consumers. They state that with a term policy, you pay only for the protection you need and only for the length of time your dependents are financially vulnerable. These experts also claim that most people would fare better by investing the substantial savings in purchasing a term policy in a portfolio of no-load mutual funds.
A large carrier database is not the only advantage of QuoteNavigator.com. Our quotes are immediately produced online, so there is no need to wait by the phone or your mailbox for your quotes. With us, you request your application online and track its progress as well. What could be faster? Our staff is dedicated to meeting the needs of people like you who choose to simplify life and take advantage of the technology and information available at their fingertips.