Affordable Life Insurance

To hold an American life insurance policy is a freedom that Americans enjoy as part of their daily lives and as such, we have so many choices that it becomes completely and utterly mind boggling at times. Other nations around the world are not as lucky as we are and they do not offer a wide range of policies to their citizens as are offered here.

Insurance companies offer more options to their customers than any other country in the world and that sometimes makes it a bit more complicated for people to weed out what they need in a policy and what they don’t need.

Insurance sector has become far more competitive. The situation is different to what it was ten or fifteen years ago. Each company is trying hard to provide different types of plan to people. They do not want to lose business just because there were not enough options available to choose from.

This is one of the reasons why companies are able to offer lower prices and more selection of American life insurance policies.

Insurance Sector in America

There are several major insurance companies in America which offer great products to the public. The respective health care system has become a perfect model for other societies to follow. It is about providing better health care facilities at affordable rates.

These companies offer individuals a wide range of products and services that can meet everyone’s unique needs and financial resources. You can either visit the office or check the details online.

Finding the right Life coverage policy

The research you perform in finding the right life insurance plan will help you make a comprehensive and informative decision when it comes down to finding the right plan. How do you go about finding an American life insurance policy that is right for you?

You can ask friends and family members what they have to suggest, you can contact a qualified agent, or you can use the Internet to find your choices as long as you remember that the Internet may not always be trustworthy.

What is my best resource?

You need to gather information in order to save yourself from committing a mistake in the end. There are several resources available. You can use websites to get things started. This will allow you to understand some of the industry terms that the agents use, it will make you feel good knowing what he or she is talking about, and you find that you have peace of mind by being prepared for the meeting.

Your family members can help you to find the right plan. It is best to sit down and talk with your family. It would provide a fair picture that how much you should invest in a policy. This is the best way to go about buying an insurance plan.

It goes without saying that they are a great source of support and encouragement. They know what you need in your American life insurance policy as well as you do.

Use Internet as a research tool

While the Internet is a great research tool, you need to be wary when it comes to searching for insurance plans online. For the most part, the information on the Internet is reliable, but there are thousands of websites among the billions that are not and you need not to share personal details unless you are completely confident about it.

There are some people out there posing as legitimate and reputable insurance representatives that are only out to get your money so any information you get from the Internet should be used as a reference point and not gospel. You also want to find websites that offer information on affordable coverage without asking for an obligation to buy it afterwards. Websites that end in .gov are run by the Federal government and this is a good place to begin your search from.

The best way to make a choice

Of course, sitting down with a professional agent to explore different options is ultimately the best thing to do, once you have collected all the information. They are the best people to assist you in finding the right insurance plan.

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BeyondQuotes has a dedicated team of experienced professionals to administer our search engines. Using our own rate calculation technology, we ensure that our quotes are accurate and current and delivered instantly, as you'd expect.

 

Our agents know how to manage insurance providers, eliminating the red tape that so often accompanies policy applications, saving our customers time, effort and money.

 

We don't pester our customers with updates and spam emails, nor do we pass your details to third parties or use them in any other way other than to provide you with the services that you require.

To see our comprehensive list of policy providers, submit the form at the top of each page. Availability is subject to state of residence, so be sure to enter your details correctly.

BeyondQuotes is licensed to sell our products in all 50 states. Your agent will be licensed to sell where you live, and will provide you with expert knowledge as to the rules and regulations that apply to your location.

Only BeyondQuotes has access to your personal information. Once you have selected your policy provider, your details will not be passed to any third parties or used in any way other than as you, the customer intended.

There is much more to Beyond Quotes then just providing accurate rates. We are instrumental in every step of the application process. We don't sell our customers' details to high-bidding agents, as we have our own dedicated sales office, and we are on hand to deal with your questions and doubts.

BeyondQuotes -much like some independent rating companies- constantly monitors the insurance market, comparing rates, quality of service, and the different products that Term Life Insurance companies offer. These companies compete according to certain factors, such as customer health, size of policy, age range, and lifestyle choices.

 

BeyondQuotes then establishes close professional relationships with the choicest policy providers to ensure rapid responses and excellent service. BeyondQuotes aims to deliver on several areas including pricing, claim paying, the stability of our products, customer service through experienced staff, efficiency and specialist underwriting.

Life insurance is intended to replace your income should you be unable to work. Your regular household expenses should be covered, and your family's upkeep needs to be taken into account. How well you wish to live in the event of unforeseen circumstances is a personal choice, but 5-10 times the value of your yearly income is usually recommended.

 

It is always worth discussing your requirements with a financial advisor to better understand financial planning, and of course you may call one of our agents who will be happy to discuss the issue.

Level (or 'guaranteed') policies are plans where the premium remains the same for the duration of the term. For example, a 30 year level, or guaranteed, term would remain the same for the entire 30 years, irrespective of inflation and other such factors, provided the premium payments are met.

 

The amount of coverage that you receive would also remain level, irrespective of wage increases and inflation, so this is something to take into account when purchasing a plan.

People decide on term length according to several factors, but it often comes down to their beneficiaries. Sometimes people wish their partners to be covered right up to their retirement. When it is children that are the main consideration, people may wish them to be covered to when they graduate from college.

 

Another consideration is the amount of time left on your home's mortgage. If you wish your home to be secured, your life insurance's term should be at least the same amount of years as the remainder of your mortgage repayments.

The necessity for Term Life Insurance is the same for spouses who earn income as it is for you. You manage your payments equally, and therefore they need to secure their income, should the unforeseen occur. If your spouse doesn't work, there are still often losses of income, should they pass away.

 

Childcare, missed working hours and final expenses are just some examples of how losing a partner can leave you in the red. It is often recommended that a non-working spouse should have half the amount of Term Life coverage as the main household earner.

Term Life Insurance is just that: Insurance that covers you for a pre-specified term, usually starting at ten years and rising in five-year increments to thirty years. This type of insurance is less expensive, as the insurer's coverage is limited.

 

Whole Life Insurance lasts for as long as premium payments are met, right up to the death of the insured. These policies have an investment product that can be borrowed against according to its cash value. This is far more expensive (and less popular) than its Term Life counterpart.

BeyondQuotes represents a number of companies that specialize in insurance for pre-existing conditions. No matter what your state of health, there will be a policy available for you. We have helped those with obesity, heart conditions, diabetes and cancer receive Term Life coverage. Ask our agents about our No Exam Term Life Insurance if you are concerned about the results of paramedical tests.

With BeyondQuotes, applying is as easy as 1-2-3:

 

1) Start the application process. Call us on our toll free number or fill our online form at the top of each of our website's pages. One of our friendly, licensed agents will be on hand to review your details and open your application.

2) An agent will call you to walk you through the verification process. You will then arrange a date for your free paramedical exam.

3) Once you have completed the short physical examination (this can take place either in your home or workplace), the medical professional will complete your application and forward it to your chosen insurance provider.

Our agents' main aim is to find you the best coverage for the best price. As long as you provide us with an honest and full application and complete your medical exam (where applicable), we will deal with the rest.

A policy application will usually take between 1-2 months from submission to completion. Should various factors intervene with your application, we will keep you informed of its progress.