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The following article was published in our article directory on February 15, 2012.
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Looking Into the Details of Term Life Insurance

Article Category: Finances

It's really easy to get lost in the many term life insurance quotes that anyone can find on the Internet. Term life insurance is also called term assurance. This refers to a type of life insurance that covers an individual for a limited amount of time and requires a fixed rate of payments.

People do not usually use term insurance for any needs pertaining to estate planning. It is also not advisable to use this type of insurance for charitable giving. This type of insurance is better used for individual income replacement needs. There are financial planners who advise their clients to purchase term insurance and then place the rest of their money in other investments. This may seem like a good idea at first but be sure to look into the pros and cons of such moves since there are chances that such financial schemes may backfire on the investor.

In contrast to term insurance, whole life insurance does not have an agreed upon term. Whole life insurance usually turns into an investment that has a cash value that will accumulate over time. The drawback with whole life insurance is that they are a lot more expensive compared to term insurance. This is due to their containing an investment product.

Other than being more affordable, there are other reasons why more people look for a life insurance quote of this type than anything else. One of the usual strategies that people use is to buy a term life policy that is due to expire at or near the individual's age of retirement. It is expected by that age, the owner of the term insurance policy will have secured enough funds for retirement to cover for all probable needs at that time. People will usually be ready to retire at a certain age with savings and investments that are sufficient to cover what insurance is supposed to take care of.

Understanding the Costs of Term Life Insurance Quotes

Those who want to pursue investing money in term insurance will want to know the costs that they will have to incur. Take note that the costs that one can encounter for this type of insurance will be based on a number of factors: amount of death benefit being applied for, the applicant's state of health, and the person's age. As a bit of a general policy among insurance companies, the lower the age of the person the lower will be the insurance costs.

It should be noted that the costs that one might incur with a universal life policy will usually be around ten times the amount of the cost for a regular term life plan. Customers can bring costs even lower when one purchases term insurance at a younger age when one is definitely healthier. A 350 dollar annual fixed premium for a person 45 years old can go up to $3,500 annually for a person who is age 60.

Health issues and unhealthy habits also take a toll on the costs if one is not watching. For instance, a male non smoker who has acquired a term insurance with a face amount of $500,000 with a ten year term might pay an annual cost of $400 for regular insurance. Then again, that figure may go up to more than $600 per annum if the person is a smoker. People should look closely at these details when examining different term life insurance quotes.

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

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