• Why should I purchase my term life insurance from QuoteNavigator.com?
• What is term life insurance?
• How do I pick an insurance company?
• How do I determine my Coverage Amount?
• What is Level Premium Guarantee?
• What is life insurance Underwriting?
• Am I considered a smoker?
• Do I have premium payment options other than annually?
• How long does it take to get insured?

QuoteNavigator.com provides you with all the tools you need to make a sound term life insurance purchasing decision. We offer you access to over 180 life insurance companies (one of the largest databases available), immediate online term life insurance quotes, online term life insurance applications, online application status inquiries, easy to follow instructions, and we pride ourselves in providing you with the highest level of service in the life insurance industry. Never has purchasing term life insurance been more convenient and economical. For more information please visit our About Us page. Our large carrier database means No One offers you lower premiums.

It is an insurance policy covering one's life for a specified term (years), and is offered with guaranteed premiums for spans of 5 to 30 years. Term life insurance differs from whole and universal life insurance in that it does not have an accrued cash value. Cash value (permanent) life insurance policies are also prohibitively expensive for the same amount of coverage.

Term life insurance is a very straightforward product that varies very little from company to company other than by price. At QuoteNavigator.com we have made the choice very easy for you by limiting our database to contain only term life insurance companies that have been assigned a Superior rating of A- or better from A. M. Best. So you only have to determine the maximum coverage amount and level premium guarantee that you can afford.

Each family's situation is unique from every other. Because of this, there are no absolute rules for determining how much term life insurance you should purchase. Buying the right amount of term life insurance involves answering an uncomfortable question: How much money would your dependents need if you were to die prematurely? The answer will likely be more than you think. Major personal finance magazines recommend a life insurance coverage amount from 7 to 17 times your annual earnings. For business life insurance it is best to consult with your accountant. Use our life insurance needs calculator to help you estimate how much life insurance you require.

It is the guarantee that your term life insurance premium will not increase (remain level) for the term of your policy. A very important note to visitors of QuoteNavigator.com: Many other term life insurance quotation services will quote non-guaranteed premium policies to their potential clients. With non-guaranteed premium policies, your premiums can be raised after the initial level period, usually 5 years. Don't be fooled by savings of a few dollars per year, insist upon guaranteed level premiums.

The general rule that we recommend is to purchase a term policy that matches the number of years that the coverage is required. If you are protecting the future of your young family then you would consider a twenty or thirty year term life insurance premium guarantee.

Medical Underwriting is both a physical and a lifestyle assessment of your profile made by the term life insurance company. Many factors are considered when the Insurance Company determines whether you fit the Preferred Plus, Preferred, or Standard classifications. For a detailed description of these many factors please visit our Underwriting Guidelines page. A very important note to visitors of QuoteNavigator.com: Some other term life insurance quotation services will quote ALL their potential customers at the Preferred Plus classification in order to present the lowest possible premiums. The problem with this practice is that most individuals (about 80%) do not qualify for this classification and are not made aware of this until they are presented with higher rates after waiting through several weeks to months of the term life insurance underwriting phase. Don't let this happen to you. At QuoteNavigator.com we present you with the lowest priced premium quotes for your profile.

Because of the high health risk associated with tobacco use, the cost of life insurance is higher for users than non-users or applicants that have not used tobacco products for an extended period of time. In general, this period of time is one year for preferred and standard non-user rates and three years for preferred plus rates (this varies slightly from company to company). However, some insurance companies waive certain kinds of tobacco use such as occasional cigar or pipe smoking.

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

Underwriting begins when we receive your signed application in our office. Typically, underwriting is a 4 to 6 week process, but there may be slightly longer periods in certain cases.