In this post “Insurance Life Quote Select Term“, I will teach you how to use the Instant Online Life Insurance Quote form on the right hand side of this page, and select the term you desire to view quotes for. To select your desired term, simply click on the downward facing arrow next to the field titled “Duration”, as shown in the picture to the left. Next choose the duration of term you desire, such as 10 Year Guaranteed Only or 30 Year Guaranteed Only. You can even get quotes for 15, 20 or 30 year policies with return of premium, or to age 100 level guaranteed.
For example, to get a 20 year term insurance life quote, select term “20 Year – Guaranteed Only”. I only recommend viewing the guaranteed premiums. Be sure to fill in all the other fields, including the amount of face value desired, and your date of birth, and click “Compare Quotes Now”.
The lowest premium from a highly rated life insurance carrier will automatically show up at the top of the list, and the then the higher priced policies will follow, like this:
Then if you’d like to select an insurance life quote for a different term duration, or different face value, simply click the on the Face Value or Duration down arrows, and make the change. Your new quotes will appear instantly.
Most of the time, the quotes at the top are from Cincinnati Life, or Genworth, or Banner Life Insurance Company. These tend to have the lowest term life ins rates. You may see Prudential Life insurance quotes, or a John Hancock Life Insurance quote, or many others as well. As an independent broker, I am contracted with, or am able to get contracted with all these life insurance companies.
A couple quick notes for clarification: Most term life insurance policies provide coverage until age 90 or 95, but the premium is only level for the first 10, 20, or 30 years, or whatever term you select. It’s a common misunderstanding of term life insurance that once the term expires, your policy lapses. That’s not true. In most cases, once your level term period has expired, you can continue to pay on an annual renewable basis, which means the premium increases every year. If you know you need life insurance protection for your entire life, or simply want to leave an inheritance no matter when you die, you should consider getting a permanent insurance quote.
For a permanent insurance life quote, select term “To Age 100 Level Guaranteed.” “To Age 100 level guaranteed” is going to be a guaranteed universal life quote, much cheaper than whole life, but protects you for your entire life, and premiums guaranteed not to increase.)
