Term Life Insurance & Premium Financing Specialists

Beyond Quotes provides Instant term life insurance quotes from more than 35 companies as well as guidance and unbiased information on Premium Financing for Life Insurance.  The life insurance carriers quoted are the most recognized and trusted within the realm of term life insurance (and Premium financing), and include:  AIG, Banner Life, West Coast, TransAmerica, ING, and many more.  If you're thinking about going with State Farm, Farmers, or Allstate, you owe it to yourself to compare rates from some of the biggest names in term life insurance.  Chances are you will be able to save money.

Term Life Insurance Q&A

Q: How much money does it cost to get started?

A: It does not cost anything at all.  The term life insurance quotes that you can obtain are of course free.  If you find something that works within your budget, you will be required to at least complete an application.  From this point, you can choose no exam term life insurance, or a traditional policy which will require an exam.  There is no cost to you during any portion of this process, and by law, every carrier must provide you with a 30-day money back guarantee.

Q: Why should I get my quotes at Beyond Quotes rather than another Internet-based life insurance quoting site?

Financing Life Insurance--What You Need to Know

Much ink has been devoted to the topic of Premium Financing of late as any reader of either the New York Times, The Wall Street Journal, or the Robb Report can attest.  Perhaps it is from reading one of these articles that your interest was piqued.  

Imagine that you are 70 years old, in reasonably good health, and you have a net worth of around 10 million, give or take.  The probability that you might think about buying a permanent life insurance policy at this point in your life is probably fairly low.  Figure that the premiums would be roughly $50,000 a year for every $1,000,000 of coverage.  Therefore, to buy as much as your insurability will allow based on your net worth, you might expect to pay $500,000 every year in premiums.  Even for someone with a high net worth, this is would be a significant drain on income and assets.  For this reason, you will probably pass on getting life insurance.

Term Life Insurance Quotes

Get instant term life insurance quotes instantly to save money

It may be hard to believe, but most people are paying more than they have to for just about every kind of insurance they have including life insurance.  When you bought your life insurance policy, how many companies did you shop with?  Was it four?  Was it ten?  The chances that it was more than four would be very slight, and the odds are they you may not have looked at more than two, if that many.  The reality is, however, that there are dozens of highly rated, financially sound life insurance companies, and unless you shopt at least 20 of them at the same time, the odds are overwhelming that you're overpaying for your policy.

Getting lots of quotes can show you that prices vary considerably from one company to the next.

Term Life Insurance Rates (at a glance)

Term life rate charts for 25, 45, and 65 year olds (male and female) 

The following factors go into determing rates for term life insurance:

• Age
• Health Status
• Type of policy (permanent insurance is four to five times more expensive than term)
• Length of term (if term insurance)
• Company
• Face Amount

On the next page is a series of charts that might give a rough idea of what the price range is for term life insurance according to these variables: