Importance Of Insurance
QuoteNavigator.com can provide you with
an on-line Immediate Quote.
How much life insurance do you need? Calculating the economic value of a human life to a family
is important, but there is no magic number. Our calculator
will provide you with an estimate of the amount of life insurance needed to replace a deceased wage earner's income.
The calculations assume life insurance proceeds are invested at a rate you specify and that your
purchasing power is retained based on your assumed rate of inflation.
Term life insurance is the
solution to financial security and peace of mind. Your life insurance coverage should include all of the
expenses your family will incur after you are gone. Projecting your life insurance needs as your
family grows is not an easy task. Let our dedicated and knowledgeable staff assist you on line
or by phone with balancing your life insurance needs with affordability.
Life insurance acts as a financial safety net. In the unfortunate untimely death of the
income provider, life insurance should fulfill your financial goal for your spouse/partner
Term Vs. Cash Value
The savings of term life insurance Vs. cash-value life insurance can run from
hundreds to thousands of dollars per year. Personal Finance Managers have long recommended
term life insurance over cash-value life insurance as the sensible choice for most consumers.
They state that with term life insurance, you pay only for the protection you need and only
for the length of time your dependents are financially vulnerable. These experts also claim
that most people would fare better by investing the substantial savings in purchasing term life
insurance in a portfolio of no-load mutual funds.
Level Term Insurance
Level term life insurance guarantees that
your premium will not increase (remain level) for the effective period
of your policy. Many other term life insurance quotation services will
quote non-guaranteed premium policies to their potential clients. Which means that premiums
can be raised after an initial period.
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