What is fixed term life insurance and how can I compare quotes?

Fixed term life insurance is temporary life insurance for 10, 15, 20 or 30 years of protection.

If you outlive the term of your life insurance, your coverage expires.

Fixed term life insurance provides you with guaranteed level rates and coverage that remains the same each year for up to 30 years.

Since term life insurance is temporary and builds no cash value inside the policy, it costs you less than whole life insurance that provides lifetime coverage.

Here’s how you can request your fixed term life insurance quote comparisons online from several highly-rated insurance companies offering you instant quotes.

NEW! Here’s How to Buy up to 0,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

What’s the best life insurance to buy for a 38 year old male who smokes cigarettes?

Term insurance or otherwise?

Term life insurance usually costs a lot less than whole life insurance because it provides temporary life insurance protection for up to 30 years, instead of lifetime coverage.

The least expensive option may be to get term life insurance for one year, stop smoking for a year, and then get a 10, 15, 20, or 30 year level term life insurance policy at the much lower prices available after a year without smoking.

This will probably cost you much less than getting a life insurance policy, of any type, while a smoker and keeping it for more than a year.

However, you should never cancel an existing life insurance policy without having other life insurance protection already in place, if you are going to replace an existing life insurance policy.

Here’s how you can learn more about comparing term life insurance for smokers and find affordable life insurance coverage from a highly-rated insurance company.

NEW! Here’s How to Buy up to 0,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

If you Google the terms life insurance or life insurance quotes, you will have literally hundreds, if not thousands of websites to choose from.  How do you know which website is going to give you the best quotes?  Here are a few tips for getting the best term life insurance quotes on the Internet:

• The website does not need your name, address, phone number or email address to give you a quote.  They are collecting this information to either sell your information as a sales lead to insurance agents who are willing to pay for the information or to contact you to attempt to sell you a policy.  Some websites will sell your information to multiple websites, resulting in numerous phone calls to you.

• Regarding lead-generating sites mentioned above, you can often tell these websites by the multiple companies listed on their home pages.  They will not be involved with finding you the best rate.  Instead, they will list several companies on their website and charge each website a fee for all the times someone clicks on that name and redirects to their site.

• If the website doesn’t require any health information, the quotes will most probably be lower than you will pay.  Any quote you receive is not necessarily the price you will pay for the insurance – that will be determined during the underwriting process, which will take into account your medical history and medical exam.  The most accurate quotes will be based on multiple health factors:  height/weight, tobacco use, family history, blood pressure, cholesterol and driving record, to name a few.

• Sometimes an insurance company will give you a quote on their website.  However, as most insurance companies use agents and brokers to sell their products, your information will most probably be passed on to one or more agents.  The rates are not less expensive if accessed through the companies’ sites directly.  If you want to compare these rates to other companies, you will need to continue shopping.  This can be time-consuming.

The best websites to visit for quotes are those that provide quotes from multiple companies (without having to enter your personal information), base the quotes on a basic health profile and, if you want to apply for a policy, act on your behalf as a broker to assist you in purchasing the policy.  There are only handful of life insurance websites (including this one) that fit this profile.

Your decision to purchase a life insurance policy is a good one.  Make the best of it by following these tips.