Term Life Insurance

Online Guide to
Term Life Insurance

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Term Life Insurance
Term Life Insurance (n. - definition) - an insurance policy that provides coverage on the life of an insured for a period of time, often with a renewal option at the end of the period.
Term Life Insurance

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  • Term life insurance policies are state specific, and not all insurance companies offer term life insurance policies to residents of all states.

  • Term life insurance policies provide a death benefit to beneficiaries during the term of the policy only.

  • Term life insurance policies have no cash value.

  • If the insured does not expire during the term of the policy, no benefit is paid.

  • All Term life insurance policies have a named owner, a named insured and named beneficiaries designations. These three different designations can be the same person, but in many situations they are not necessarily set up with the same designations. Which designation is most appropriate to use depends on different variables and situations.

  • Someone or a company or a organization can be the owner of term policies on someone else's life only when he/she or a company/organization has an "insurable interest".

  • Term life insurance policies typically offer the highest death benefit at the least cost versus virtually all other types of life insurance policies.

  • Cost of a term life insurance policy is typically mainly a function of gender, current health, age and tobacco use status.

  • Different life insurance companies offer similar type policies; however, the cost of the policies can vary widely from company to company.

  • Term policies are typically issued for 1 year up to as many as 30 years in some states.

  • Most term life policies are issued only after a medical questionnaire and in some cases only after medical tests.

  • Some companies offer instant issue policies.

  • Many life insurance companies offer guaranteed renewal term life insurance policies. Effectively, once policy is issued by the insurance company that policy is guaranteed renewable without a new physical, no matter your health condition, as long as the owner pays the premiums on time.

  • The death benefit payable to a beneficiary upon the death of the insured is dependent on the claims paying ability of the issuing life insurance company.

  • The death benefit payable to a beneficiary is income tax free, and in some case estate tax free, which is dependent on a number of factors.

  • Some life insurance companies offer 2nd to die term life insurance coverage which is payable upon the death of two or more lives.

  • Some companies offer single premium term life insurance.

  • Some companies offer group term insurance, while some offer products with a return of premium provision when certain conditions are met.

  • Some USA based life insurance companies offer term policies for non USA citizens, non USA residents.

  • Some financial professionals feel from a financial value perspective the one should consider "BUYING Term and INVESTING the Difference" versus the purchase of other types of life insurance policies.

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