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Term Life Insurance

What is Term Life Insurance?

Term-Life Insurance is a coverage that provides protection for a specified period of time. This usually includes 5, 10, 15, 20, 25 and 30 years. Looking for a short cheap term life insurance? Well this form of insurance is usually cheaper than the other types of life insurance.

There are two popular term life insurance that most people go with: renewable term and level premium term. The yearly renewable term life insurance cost a bit less than the level premium term life insurance. The drawback is that after each year, the annual premium will increase, up to a maximum amount. These plans have diminished in popularity due to the introduction of level premium term life insurance. Level premium term life insurance has premiums which remain level over a specified period of time.

When trying to get any term life insurance or any other life insurance, most agents and underwriters will require some sort of physical or blood test to protect them as insurers. People with pre-existing health problems might want to look into other places to get the best value. There is no doubt that the price will be a huge different for people with major health issues because the insurance companies know that the probability will be very high that those people will probably use the insurance.

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Types of Life Insurance

Whole Life Insurance

Universal Life Insurance

Variable Life Insurance

Pacific Care

Metropolitan Life Insurance Company

North Western Mutual

Jan Hancock Life Insurance Company

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