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Instant Life Insurance Quote
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Term Life Insurance Quote
Shop Online! This system technology and term life insurance quote generator puts you in control. Term Life Insurance LLC.com is your way to acquire low cost term life insurance. Term Life Insurance LLC.com searches to find the best carriers and best rates. “Our process is simple, straight-forward and streamlined”. No need to see an agent!
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Term Life Insurance Quote
Formally called Level Term Life, the word “Level” refers to the fact that the Death Benefit remains level during the contract life, the word “Term” refers to the time period during which premiums are locked in. Term Lengths are typically 10, 15, 20, 25, and 30 years, therefore Term length determines for how many years the Premiums are guaranteed not to change, i.e. “locked in”.
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Term Life Insurance Quote - Renewable / Convertible
Term Life plans are also Renewable and Convertible. Renewable refers to the age to which the contract can be renewed or kept in force after the initial Term Length of say 20 or 30 years. Convertibility refers to the fact that Term Life insurance can be converted to Permanent Life insurance without underwriting.
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Term Life Insurance Quote - Return Of Premium
This is a relatively new type of Term Life plan, as its name implies, this product will return the policy owners premiums after a certain number of years. The cost for these type plans are higher than typical Term Life plans, consumers must weigh the benefit of Returned Premium against the higher cost.
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Term Life Insurance Quote - Non-Medical
This is a type of Term Life Insurance which does not require the standard Life Insurance medical exam (blood/urine test, height/weight, etc); these plans are typically approved within 24-48 hours. However, while it is convenient, the consumer will pay higher premiums for this non-medical term life insurance coverage.
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Universal Life Insurance - Cash Value
Universal Life Insurance is one of two types of permanent life insurance. Permanent life insurance can be kept to age 100, or as high as age 120. Universal Life Insurance can build cash value . Universal Life Insurance gives the policyholder flexibility to pay premiums based upon a range between minimum and maximum premium guidelines set by the insurance company.
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Term Life Insurance - Mortgage Cancellation
Mortgage cancellation uses a term life insurance policy to pay off a mortgage. A term insurance policy can be issued to match the term of the mortgage. The proceeds from the term life insurance policy are typically designated to heirs (not the bank) allowing the heirs to determine whether it is better to pay off the home mortgage or invest the proceeds to create income.
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Term Life Insurance - Buy Sell Plans
The purpose of the Buy-Sell agreement is to have a term life insurance plan in place in the event one of the partners/principals/owners of a business dies. A term life insurance policy or Whole Life policy can provide the funds the surviving partners need to “Buy-Out” the surviving family of the deceased partner/principal/owners share of the business.  
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