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SpinDistribute.com Article Directory

The following article was published in our article directory on January 13, 2011.
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The Big Difference: Term Life Insurance Quotes

Article Category: Finances

Author Name: Lissa Jenlet

Obtaining an insurance policy over a person's life is very important. With life insurance, he can secure -- not only his future -- but, more importantly, that of his family. A term life insurance is also a life insurance. However, there exist differences between the two. In a whole life insurance, in order for the beneficiary to get the proceeds of the insurance policy, the insured needs to pay the insurance premiums in full. And his death needs to occur after the insurance policy became effective.

On the contrary, in a term life insurance, in order to get the proceeds of the insurance policy, it is not only necessary to pay the insurance premiums and that the insured's death occurs after the insurance policy became operative, it is also necessary that the death of the insured occurs within the term stipulated upon. Otherwise, the beneficiary will not get the proceeds of the insurance policy. This difference between the two insurance policies is very important. It is imperative because of the insurance quote. Term life insurance quotes require more analysis than whole life insurance quotes. Thus, a more careful study is required in choosing the best policy.

An insurance quote is one, which provides the details and factors that the insurer will require him to assess a person's insurability. These include his age, sex, work, lifestyle, the premiums to be paid, the benefits and other things. As whole life insurance and term life insurance vary, their respective insurance quotes differ as well. As such, one must not make the grave mistake of studying a whole life insurance quote and applying the same to a term life insurance. There are advisers out there that apply their expertise on whole life insurance to term life insurance. Thus, oftentimes a person is misled. While term life insurance quotes are similar to whole life insurance quotes, the former is still substantially different from the latter.

Whole life insurance quotes will include a provision for continuous payment by the policyholder for the rest of his life. Thus, the expenses that one will incur will be much bigger. Furthermore, the amounts stated in a whole life insurance quote would primarily be based on pure estimates that are always favorable to the insurer since a bigger estimate would require a bigger premium and expense on your part. On the other hand, term life insurance quotes are primarily based on your own personal estimates. In these insurance quotes, one could estimate his own lifespan. Thus, the insured may opt to choose a term, which is more favorable to him than the insurer.

Also, this is important because you can control the amount of premiums that you will need to pay. For instance, in a term life insurance, one may choose to select a term or period when he is about to retire. This is great because you will only need to pay premiums, which correspond to the timeframe you selected. Therefore, never commit the mistake of treating term life insurance quotes as whole life insurance quotes. Be meticulous enough to determine what kind of insurance policy you are entering, make the proper evaluation and be confident enough to make proper estimates for your future and your family as well.

Keywords: life insurance,term life insurance,term life insurance quotes

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