Pick your state and click on the ‘Get Free Life Insurance Quotes’ button to compare quotes and save!
To save time getting a free term life insurance quote online just use the form above. Simply pick your state and then choose a website to give you a money saving quote. For more advice and tips on how you can save even more money please keep reading.
Term life insurance is one of many types of policies now being offered by life insurers. Better yet, it is never been easier getting free rate quotes online. All you really need is an Internet connection and a little bit of patience.
For those of you unfamiliar with term life coverage let me explain what it is and how it is different from other insurance products such as whole life or accidental life. First of all it is the original and most basic form of life insurance.
Basically, you pay for coverage for a specified ‘term’ (e.g. 10 years) and after that point if you are still alive your coverage ends, but you don’t get any cash value. This is different from whole life plans because with those types of plans you also build up cash value.
The downside is whole life is generally much more expensive and has higher premium rates than term coverage. So, buying term instead of whole coverage can be a great way to save even more money. Especially, since most people really don’t need be covered for their entire lifetime. All you really need coverage for is when you have dependants who would have no independent means of supporting themselves without your help.
However, you can do even better than just choosing to get online term life insurance quotes. If you make a few small changes to your life you will be able to save even more on your premium rates.
The most important thing to help you save money and lower your premiums on your coverage is to be in good health. When you fill in the medical information on the medical form you have to be honest, otherwise you will be denied coverage.
So you should make positive lifestyle choices before your coverage period even begins. For example, if you smoke you need to stop. You will save money on your policy, plus you won’t have to pay for cigarettes anymore. Also, you should try to lose weight and eat healthier. This should help you to have lower blood pressure.
A healthier lifestyle will also allow you to live a longer and more productive life. Savings on your insurance polciy are only really a side benefit. Beyond this there is one other important thing you can do to reduce your policy rates.
To make sure you that you are getting the best rate on your online term life quote you need to compare a few different companies. There is no real ideal number, but you really should consult at least 4.
However, to be absolutely sure that the rate you are being quoted is the lowest coverage rate available, you’ll need closer to a dozen separate quotes.
To help you with getting your free term life insurance quote online I have prepared a very simple form. Simply choose your state and then visit one of the websites offering quotes. It’s as easy as 1-2-3.