Life Insurance Quote
Term life insurance quotes
Term life insurance is typically the least expensive kind of insurance and covers you for a set period. The longer the term, the longer you’re covered, and that means your rate will go up. Although terms vary by provider and age, you can usually get terms for 10, 15, 20, 25 and 30 years.
Lifetime life insurance quotes
Lifetime life insurance (aka Whole Life Insurance) will cover you up you reach over 100 years, provided you continue paying premiums. You’ll have the same rate throughout the life of your policy, so the younger you are when you buy the policy, the lower your rate will be. Whole life insurance also builds cash value.
All Life Insurance companies have life insurance table rating requirements and guidelines:
Preferred Plus – This is when you have no personal or family history of illness or disease, and your height and weight are normal.
Preferred – This is where you may have a family history of illness, or take medication for blood pressure or cholesterol.
Standard Plus – If you are mildly overweight, or have a family death at an early age due to illness.
Standard – Average health, depression or anxiety, family history, or prior illnesses.