Term Life Insurance Importance

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Term Life Insurance is the solution to financial security and peace of mind. Term life insurance coverage should include all of the expenses your family will incur after you are gone. It is not easy to predict term life insurance needs as your family grows. Term life insurance must be balanced with affordability. Let our dedicated and knowledgeable staff assist you in this process on line or by phone. Term life insurance acts as a financial safety net. Term life insurance should fulfill your financial goal for your spouse/partner and children in case of the unfortunate untimely death of the income provider.

How much term insurance do you need? Calculating the economic value of a human life to a family is important, but there is no magic number. Our term life insurance calculator will provide you with an estimate of the amount of term insurance needed to replace a deceased wage earner's income. The calculations assume that proceeds are invested at a rate you specify and that your purchasing power is retained based on your assumed rate of inflation.

All QuoteNavigator.com online quotes reflect annual premiums. Annually paid premiums provide for the lowest rates overall. However, you also have the option of making payments monthly, quarterly, and semi-annually. Monthly payments are arranged to be automatically debited from your bank account. These payment options are slightly more expensive on an annual basis.

QuoteNavigator.com was created to help you navigate your way through the complex world of purchasing a term policy. With over 25 years of experience, we have established a consumer friendly system that allows you to shop and buy at the lowest prices available. QuoteNavigator.com will assist you in making the most economical, high-quality, best valued selection with term quotes available from over 180 highly rated carriers. It is our goal to find you a perfect match for your profile, regardless of your health classification, lifestyle, or family medical history.

Level Term Policy

A term level life insurance policy guarantees that your premium will not increase (remain level) for the effective period of your policy. Many other quotation services will quote non-guaranteed premium policies to their potential clients. Which means that premiums can be raised after an initial period.

Term vs. Cash-Value

The savings of term vs. cash-value policies can run from hundreds to thousands of dollars per year. Personal Finance Managers have long recommended term over cash-value policies as the sensible choice for most consumers. They state that with a term policy, 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 a term policy in a portfolio of no-load mutual funds.

Increased competition among companies has dramatically lowered premiums in recent years. A policy offering $250,000 worth of protection that cost $600 a year, just seven years ago, would have an annual premium of about $275 today. When we say we can save you 30-70% on your premiums it is not just marketing hype.

Why QuoteNavigator.com?

A large carrier database is not the only advantage of QuoteNavigator.com. Our quotes are immediately produced online, so there is no need to wait by the phone or your mailbox for your quotes. With us, you request your application online and track its progress as well. What could be faster? Our staff is dedicated to meeting the needs of people like you who choose to simplify life and take advantage of the technology and information available at their fingertips.

QuoteNavigator.com now offers immediate quotes for health insurance from America's top health insurers, providing both individual and group plans. We believe shopping for competitive health insurance has never been easier or more informative. Get started by selecting Health Insurance

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