What Is Term Life Insurance? -

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What Is Term Life Insurance?

What Is Term Life Insurance?

There are two different types of life insurance, term life insurance and permanent life insurance. Term life insurance is the easier of the two plans. This plan supplies you with death protection for a pre-determined amount of time, anywhere from one to 30 years. If you happen to die while paying on this type of policy your beneficiary will be paid the amount of money you specified when purchasing the policy. If at the end of the term you are still living your death protection coverage will cease unless of course you renew the policy. You can purchase this policy on a minimum budget and it is particularly perfect for providing coverage while your children are still in the home or while paying off a mortgage or other large loans.

This plan is merely a "quick fix." It is similar to leasing a vehicle. You pay a lower cost for the privilege of driving the car knowing you will return it after a short period of time. However, just like when leasing a vehicle there is an option to buy. If you are purchasing term life insurance because you need protection now but can't afford the higher payments of permanent protection in most cases you can switch your plan over to permanent protection when your situation changes (be sure to verify this before purchasing any policy). You can also look at term life insurance as an efficient means of protecting your family while using your remaining finances for savings or other investments.

Although this type of coverage is less expensive than permanent life insurance your premiums will increase at renewal periods as you grow older. Normally at renewal periods you will also be required to obtain a physical in order to qualify for the lowest rates.

There are four different types of term life insurance policies one of which is renewable term insurance. This policy will delete your need to submit to a physical when renewing your policy. The company agrees to renew your policy even if your health has declined however, be prepared to pay higher premiums with each renewal when purchasing this plan.

Convertible term insurance will allow you to switch from term to permanent life insurance without succumbing to a health exam first. Of course this convenience will more often than not come with the expense of higher premiums. On the bright side once you convert to permanent your premiums will not increase as with the renewal of the term plan.

Level term insurance presents a permanent premium for a pre-determined number of years, usually 10 or 20, and the death benefit remains the same. With this policy you will lock in a particular price for the duration of the policy. The down side to this plan is that the rate will rise significantly if you decide to renew with subsequent level policies.

The remaining plan is the decreasing term insurance policy. Throughout the term of this policy the death benefit will decrease. You may start out with $250,000 worth of coverage however for the first 10 years each year your benefit will be reduced by $10,000. The premiums on this policy will also vary over the term of the policy, it is for these reasons that this policy is not highly recommended nor sold very often.

Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abcnews.go.com/Business/PersonalFinance/story%3Fid%3D5966689%26page%3D1cid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNHtQymi0_B3H3IOz9_trI8mHOT4Uwimg src=http://news.google.com/news?imgefp=f3EyX2qoJlgJimgurl=a.abcnews.com/images/Business/nm_safe_081006_mn.jpg width=80 height=60 alt= border=1brfont size=-2ABC News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattletimes.nwsource.com/html/businesstechnology/2008256756_pffundins12.htmlcid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFJxZHaJvQ1RaFmLi-9C1uQBWvE1gFidelity, Vanguard join money-fund binsurance/b plan/abrfont size=-1font color=#6f6f6fSeattle Times,nbsp;United Statesnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1Fidelity Investments have joined the US Treasury#39;s emergency binsurance/b program for money-market mutual funds, pushing the participation rate to more than 95 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/11/AR2008101100174.html%3Fhpid%3Dtopnewscid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFfh-3XF1AiOrNFakUpXTjWgV27-AFunds Turn To Treasury Guaranty/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thestate.com/business/story/551687.htmlcid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFWgPkG-omaOT4qlGq8KcoyLsHx7AWorried about the economy?/a font size=-1 color=#6f6f6fnobrThe State/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.onwallstreet.com/asset/article/714411/money-market-mutual-funds-apply-treasurys.html%3Fpg%3Dcid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFIOK5Pql28TMbR_I2rI0GXWOwyOgMoney Market Mutual Funds Apply for Treasury#39;s bInsurance/b Program/a font size=-1 color=#6f6f6fnobrOn Wall Street/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122360110812721677.html%3Fmod%3Dgooglenews_wsjcid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFPPXcjcEI7irlTqXXMxfXVzorI5QnobrWall Street Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dallasnews.com/sharedcontent/dws/bus/columnists/pyip/stories/DN-moneytalk_06bus.ART.State.Edition1.26b606e.htmlcid=1255233354ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNGJanIjy_GA5gleZPHMC9_Z9gWH_wnobrDallas Morning News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255233354hl=ennobrall 293 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/10/AR2008101000055.htmlcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFgsFbCtS6lOLXa_u124YdmTzi5CQimg src=http://news.google.com/news?imgefp=4AK35zxVBjoJimgurl=media3.washingtonpost.com/wp-dyn/content/photo/2008/10/10/PH2008101000057.jpg width=80 height=56 alt= border=1brfont size=-2Washington Post/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.asahi.com/english/Herald-asahi/TKY200810130044.htmlcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNHGbvl5ftZ0KIKmLufboEXS_v1N7wEDITORIAL: Stock markets on ropes/abrfont size=-1font color=#6f6f6fAsahi Shimbun,nbsp;Japannbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1Adding to this unpleasant economic news, Yamato Life bInsurance/b Co., a midsize firm that invested heavily in REIT and other high-risk US financial b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hindu.com/thehindu/holnus/000200810101676.htmcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNHDXwXXn1Y97hHmPabflEVyghbv-gJapan#39;s Yamato Life bInsurance/b files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/news/worldnews/asia/japan/3179580/Japan-in-desperate-effort-to-halt-its-own-downward-economic-spiral.htmlcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNG3AJr8nMmy82PfAdyCnCvomuCO2AJapan in desperate effort to halt its own downward economic spiral/a font size=-1 color=#6f6f6fnobrTelegraph.co.uk/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thehindubusinessline.com/blnus/10101205.htmcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNExKxlzppE7YO4BrF8WpQza_KpvRQJapanese binsurance/b co Yamoto collapses; files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu Business Line/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ft.com/cms/s/179be274-96f3-11dd-8cc4-000077b07658.htmlcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNFUTHlfizI5VozGoefMYzc8DzNwNwnobrFinancial Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.yomiuri.co.jp/dy/business/20081011TDY01302.htmcid=1255992539ei=fNLySPX8OoyQ6wPChYHCBwusg=AFQjCNHaQjvMbDQE4aczZC80AflfF2FFZAnobrThe Daily Yomiuri/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255992539hl=ennobrall 412 news articles/nobr/a/font/div/font/td/tr/table

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