Beyond Quotes has many years’ experience in providing instant Term Life Insurance Quotes in addition to unbiased information and guidance on every aspect of life insurance and the companies that provide it.
The quotes that we provide are from the industry’s most renowned life insurance carriers, including Genworth, AIG, Transamerica, North American, Lincoln National, Banner Life and many more besides.
If you have been solicited by a local agent working on behalf of Allstate, State Farm or Farmers, etc, you owe it to yourself to compare quotes from other providers who are in competition with each other and who don't rely on a local agent's charisma to make a sale. It is common to make savings of over 40% this way.
Buying a Term Life Plan for the First Time?
If you are considering purchasing an insurance policy, there are certain things that should be taken into account before contacting an insurance agent. By preparing yourself with a basic knowledge of the industry, you could potentially save a considerable amount of money further down the line. Do some research and help ensure that the policy you end up with meets your personal requirements, not the interests of an insurance agent who is looking for the best commissions.
“When is the best time to buy insurance? How much coverage do I need? Is the whole-life investment product worth the high rates? What's the difference between term life and universal life insurance? Is it best to buy online or through an agent?” Buying insurance of any kind is a big decision that's not to be taken lightly and most people have questions they want answered prior to buying insurance.
We hope to help our visitors by answering some of the more frequently asked questions regarding term and whole life insurance. Robert Skolnik, much televised insurance expert, CLU, and contributor to several insurance journals - has compiled his top-ten tips to help the uninitiated in purchasing their first policy, or to help those renewing a policy get a better deal this time around… Read More
Term Life Insurance for Seniors
Senior citizens can buy a policy even at the age of 80. It is often witnessed that how senior citizens underplay their chances by thinking that they cannot buy insurance at such an age. They take it as an opportunity lost. This is not true. There are insurance products specifically made for senior citizens above the age of 70 and more.
Once you reach eighty years of age, you can still qualify for life coverage, albeit with a slightly more stringent underwriting process.
It is true that there is a higher mortality rate in those aged 65+, but underwriters calculate the risks and the laws of probability, in order to produce the fairest quote given an individual’s age and circumstances.
Insurance companies' entire existence depends upon their being able to calculate the variables involved in life expectancy, and once they arrive at a situation whereby these variables are controlled then they will make a wager of sorts upon an applicant’s insurability.
If you are interested in buying a policy in your 80's or 90's, there is a range of options available to you, including burial insurance, term and universal plans. You can find all the information you need in these pages should you or a loved one need the security that insurance offers in later life… Read More
Term Life Insurance for Smokers
Are you a smoker applying for insurance? The more you understand about the underwriting process and smoking, the more likely you are to save money on your policy application. Don’t be fooled into thinking that you can lie about your smoking habits when taking the paramedical exam. The process of defining your smoking habits is getting more stringent with each successive year.
The same applies to marijuana smokers. Policy applications are undertaken with the utmost confidentiality and your details will not be forwarded to any third parties or the authorities. Recreational marijuana use is practised by a large demographic which transcends gender, class, age and race. We have put down important information on marijuana and life insurance in order to educate our audience and make them aware of the underlying situation Read More
Term Life Enrollees and the Paramed Exam
Everybody who applies for standard coverage has to take the paramed (or paramedical) examination. This is a necessary method of ascertaining your physical fitness as part of the underwriting process, in order to categorize you for a particular premium rate. All results are confidential and used solely for the purpose of your life insurance application.
You will be required to give blood and urine samples as part of your paramed exam in order to test for blood sugar levels, blood alcohol levels and nicotine levels, should you be a smoker. This assists the underwriters in assessing your current level of fitness and future fitness levels. These tests are administered by licensed physicians. If you don't wish to partake in the paramedical exam, why not consider the option of no exam term life insurance? Read More
Term Life Insurance Quotes
Getting instant term life insurance quotes will instantly save you money. Most people are paying more than they have to for just about every kind of insurance. This is a sad fact. Overpaying for insurance is on the top of list.
Can you actually recall how many life insurers you shopped with when looking to buy an insurance plan? Was it five? was it ten? Gallup polls investigated life insurance purchasing over ten years ago and the clients contacted 2.3 agents, with 65% of agents only quoting for one insurance provider.
There are dozens of "A" rated, financially sound insurance companies. However, different agents charge different commissions and rates differ from one person to another. There are less chances that you would find the best rates unless you an expert on the subject. Multiple online quotes reveal the fact that prices vary dramatically between policy providers. Read More
Term Life Insurance Rates (at a glance)
Find term life rates for men and women of all age groups. Remember that there are many factors which are considered when insurers determine your premium rate, such as:
Age
Insurance Provider
Health Status
Length of term (if term insurance)
Face Amount
Type of policy (permanent insurance is four to five times more expensive than term)
Our excellent quote engine will provide you with several insurance rates in seconds. All major insurance companies are represented and you can choose between many options according to the criteria you seected. For easy to use, well presented insurance rates, all you need to do is fill the form and click submit.
The state laws define term life insurance rates, the only things that change are the criteria. Our quote engine is continually updated one state at a time to ensure you get the most accurate rates, daily.
Click the link to see a selection of charts that will give you a general idea of the factors that determine the price range of your chosen policies: Read More
Financing Life Insurance - What You Need to Know
A seventy year old male with a good health status and a large amount of savings in the bank would probably not consider buying permanent insurance. Whole life premiums would be around one-twentieth of your net worth. To insure ten million dollars would cost you half a million per year.
No matter how high your net worth is, your assets and income would take a significant thrashing. It would therefore be far more reasonable to opt for no coverage at all, or consider a cheaper insurance option. Read More
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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.
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.
