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Term Life Insurance Articles

Smoking and How it Relates to Life Insurance Rates

2012-12-05

Most everybody knows that smoking can be extremely detrimental to your health and the health of bystanders. In fact, if ...

Differences Between Long Term Care Insurance and Life Insurance

2012-12-01

There are so many different types of insurance available in the market place that it can become confusing. Along with pr...

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Term Life Insurance Quotes

Looking for Affordable Term Life Insurance?

Everyone deserves access to affordable term life insurance. Our mission at TermLifeInsuranceQuotes.com is to help Americans get free online quotes from reputable insurance providers so they can compare life insurance rates and lower costs.

Our nationwide insurance partners are ready to quote you their lowest rates on term life insurance. Start now by entering your zip code above, and in just a few minutes, you can start comparing policies from various providers to see which one fits the bill for you and your family.

Term Life Insurance Background

Among their many innovations, the ancient Romans were the first life insurance policy holders. Groups called Fratres, or burial clubs, established a pay-in system to establish a fund to cover the funerals of the club members. In addition, the “policies” often included funds to help the surviving family members with living expenses.

In 1735, The Friendly Society was opened in South Carolina as the first insurance company in America. Originally conceived for the “Mutual Insuring of Houses against Fire,” the group eventually started a fund to provide members of the society with money for funeral expenses and to help the member’s family with costs after his passing. Thus, the first ever life insurance policies in the US were issued. The first term life insurance company was established by an order of Presbyterian ministers in Philadelphia in 1759. The church was interested in insuring the minister only during his time of service.

As people’s needs changed, so did life insurance. Today, there are two major types of life insurance—term life insurance and whole life insurance. Both are designed to cover expenses after the death of an individual. Term life insurance policies insure the person for a specific period of time. Whole life insurance, on the other hand, provides coverage no matter when the person dies as long as the policy premium is paid.

Whether you’re newlywed, expecting a baby, or have just purchased a home or business, our goal is to provide you with the information and tools to make an informed decision about life insurance. Our hope is that through our secure and user-friendly site, you can find the perfect policy at a lower cost.

In today’s economy, everyone has a budget. Whole life insurance premiums tend to be more expensive, yet more consistent throughout the insured’s life. Part of this premium goes toward the cash value of the policy that can accrue dividends through bonds or money market accounts, making it an easy, safe investment. However, these policies come with high fees and commissions.

But what if you’re older and your financial obligations are seemingly short-termed? Perhaps you only have ten years left on your mortgage or plan to retire in a few years. What if your children will be college graduates in the next five years? Term life insurance policies boast low premiums, and can be taken out for periods of 1-30 years and pay the face value of the policy to the beneficiary. If you’re savvy with investing and saving money, then term life insurance is right for you. The premium goes entirely toward your coverage.

Contact us today so that we can help you simplify and streamline the process of obtaining life insurance.

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