Sometimes you don’t want the bother of finding a good agent, contacting him or her, setting up an appointment and then going through the entire presentation before you buy.
If you know exactly what type of life insurance you want there are several life insurance companies with A ratings that you can contact online and get a life insurance quote.
Why Get Instant Life Insurance Quotes?
- If you have a family dependent on you financially you need life insurance. If your children are still in school and are unable to fend for themselves you need to provide sufficient income so they can continue the lifestyle that you have accustomed them to. You should get a life insurance quote now.
- If you have a house with a mortgage you need life insurance to cover that. You need to make sure that you leave a house for your family and not a headache.
- If you don’t want your family to be struggling to put their hands on a few thousand dollars for your burial you need life insurance.
- If you want to guarantee that your daughter graduates college you need life insurance for that. Insurance to cover this need is cheaper than you think.
- If you want your estate to be disposed of in an orderly and efficient manner you need to plan for that.
- You want all outstanding obligations including outstanding taxes paid upon your death. You don’t want your spouse or your children to have to pay them. Life insurance can take care of these things.
- When you get to retirement I am sure you don’t want any financial problems. You would have earned those leisure years and you want to enjoy them.
Life insurance can take care of some of these things. Remember you may find the process a bit tedious but this way it is much quicker than normal. A good life insurance policy can be your best friend. It will be there when you need it most.
Check it out…see what an instant life insurance policy, for yourself, would look like:
You can get an instant term life insurance quote online. If you think about it the internet has pushed the life insurance business way into the future. You don’t have to listen to the ramblings of a life insurance agent if you don’t want to.
There is one thing you have to do though and that is to decide what type of term life insurance you want to buy, how much you want and how much you want to spend on this policy. You can go from there and get an instant term life insurance quote then buy your policy.
Get an instant life insurance quote? Can a person who wants to purchase some insurance really obtain a quote instantly? Oh yes they can…if they have access to a computer.
In today’s world not only can you get an instant life insurance quote you can also buy the policy in some cases right here on the Internet.
Normally, when you decide you want to buy some life insurance you ask a friend, or you walk into an insurance agency and they go through a question and answer procedure, then they give you a quote or two and you make your decision.
There is an easier way to get an instant life insurance quote. Just get on your computer and…
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Instant Term Life Insurance Quote
- Family Protection
If your plan is to get a term life insurance quote for the protection of your income for your family in the event of your death you need to decide how much income they will need. Let us assume you take home $4000 per month after taxes and the varying deductions.
You are married and have one child 3 years old. There is no reason to believe that your family will not need the entire $4000 per month even if your spouse earns an income. $4000 per month is $48,000 per year. If you own $1,000,000 of term life insurance that money invested at 5% after your death will yield $50,000 per year and the principal will stay in tact.
You may be able to safely do better than that but I think you see what I am driving at. Get an instant term life insurance quote on that amount. If the premium is too much for you at this this time reduce it according to what you can afford.
What type of insurance should you buy? For a family situation the 20 year term policy is usually a good policy to use. It has a level death benefit as well as a level premium. It is fairly inexpensive.
If you need something a little cheaper start off with the 10 year term. Remember that 10 years is not a very long period of time and you may need to convert to a permanent policy sometime in the future to guarantee the continuation of your coverage after the 10 year period.
- Key Employee Insurance
If you are requesting an instant term life insurance quote for key employee insurance the 20 year term policy is also good for that situation. As to the amount…a good rule of thumb is to insure the employee for 5 years of his or her salary.
If s/he is being paid $100,000 per year then you will need $500,000 to offset the loss your business may suffer while you find an appropriate replacement.
- Partnership And Corporation Insurance
You can also use the 20 year term policy, or may be the 30 year term life insurance policy, to fund your buy-sell agreement in the event of the death of a partner or stockholder.
The amount will depend on the going concern value of the company and the percentage of stock or shares owned. The amount of insurance would be the dollar value of each shareholders stock taking into consideration projected growth over the next 5 years.
Universal life insurance or variable universal life insurance policies are good alternatives to the term policies if you can afford to put out a little more money. These policies are sold only by prospectus.
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Buy Your Term Policy Now
Want life insurance? Want it now? Instant life insurance is available online and it is easy to get if you are healthy.
All you have to do is to go to a site that specializes in this and buy your policy.
You answer a few health questions and off you go.
You can do this if you already know how much you want to buy. Not too sure how much to get?
The solution to that is also easy to get as well. You use a life insurance needs calculator to find out how much you need.
There are some simple calculators available and there are others which are quite complex to use.
They all seem to come up with the same amount of need though. Go find out what your need is and come back here.
Instant Life Insurance
Okay, now you know how much you need and you have a feel of how long you need to keep your coverage.
You know, you need sufficient coverage to guarantee that your youngest child graduates college.
All you do to decide this is to count the years from that child’s age at present to the age you expect that child to graduates.
If the total is 15 then you need to buy a 15 year term policy. If it is 20 year then buy a 20 year term.
But wait a minute, what about your spouse?
Does s/he work outside the home or does this person do the more important job of managing the home and raising the children.
If your spouse does not work outside the home don’t you think it would be a good idea to guarantee that your income continue after your death?
You would therefore need to guarantee that your policy lasts longer than 20 years.
You need a permanent life insurance policy or a term policy that is guaranteed renewable so that your coverage can continue for as long as you wish.
How to get instant Life insurance Quotes?
Type in exactly what you want and up comes your instant insurance quote. I think I may be getting ahead of myself so let us pause and think first about why you would buy life insurance.
The main reason why you would want life insurance is because you don’t want to die and leave any financial burden on your loved ones. The average funeral today costs between $7,000 and $12,000.
Certainly you would want to pay for that yourself, without touching savings. You want to leave the ones you love some ready cash. Am I right or not?
Now, you may have some debt…I am sure you want to have that paid off. The amount of debt varies from person to person. If this debt is not insured you would need to buy some life insurance to take care of that.
There are probate fees to be paid as well as attorneys fees. You should cover these costs with a life insurance policy. If you have a mortgage on your house you want that paid off so your loved ones can have a debt free home to live in.
Don’t you agree that you should get an instant term life insurance quote and buy the insurance to take care of these things soon…or may be right now? Then comes the big item…
You need a life insurance quote for a policy that would provide sufficient income, allowing your children to continue going to the same school they have been attending.
This income would also let them continue wearing the same type of clothing they like and have become accustomed to, and continue eating the good food you have always provided.
Your wife and children can even continue taking their yearly vacation they always did, and have no need to worry about money.
You can get an instant life insurance quote here:
Is it worth it to get an Instant Life insurance Quote?
There is nothing more important than your family’s security. What would happen to your family if you died? Would they be provided for?
Now you can relax. Every well thinking and responsible person at some time thinks about what would happen to their loved ones if they are not around to take care of them. Some people worry about this every day.
Your children need an education and you will take care of that as long as you are alive and able to earn a living. Would they be able to live in the same house if you died? Would they continue to have the same friends or would they lose their friends because they had to move to a cheaper…
home, far away, and never see their friends again? What about the spouse…would s/he be able to continue driving the same car or have to trade down? Could your spouse continue to maintain the everyday household bills?
Was your spouse one who stayed at home to raise the children? How easy would it be to get a job earning an income sufficient to maintain the family…how long would it take?
Getting your instant term insurance quote is a beautiful thing. You go to the website and you answer a few questions and you are covered with life insurance, within a short period of time…and of course within certain limits. This all depends on the amount of insurance you desire, your age, your occupation and the state of your health.
The policies offered are underwritten by carriers highly rated by A.M. Best Company. The beauty of the whole thing is that you have 30 days to think it over and if you are not satisfied you will get back your money. This is a win, win situation. When people decide that they want an instant term life insurance quote they want it at once.