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Affordable Term Life Insurance Quote.
Term life insurance is a type of life insurance that gives you coverage for a fixed period of time, such as 10, 20, or 30 years. When you buy term life insurance, you select the term length and the amount of coverage you want based on your needs.
In exchange for paying your monthly premiums, your insurance company will pay your beneficiaries a death benefit equal to your coverage amount if you die while holding your policy. Your beneficiaries will receive your death benefit as a tax-free lump sum, which they can use in any way they want.

No matter how long the term of your policy is, your premiums and coverage amount will be locked in for the entire term. This means that they won’t change before the end of your term even if your health changes.
When you reach the end of your policy term, you can let it expire (if you don’t need the coverage anymore) or renew it.
Term life insurance is designed to give you insurance coverage during the years when you really need it. Usually, this is when you have young kids who depend on you financially or a mortgage that would be hard for your family to pay without your income. For this reason, many people decide to buy term life insurance when they start having kids or when they buy their first home.
When you buy term life insurance, you’ll want to choose a term length and coverage amount based on the amount of protection your family needs and the length of time they need it for. For many people, this ends up being equal to the expenses they pay to support their family until their kids are out of the house and their mortgage is paid off.
Different insurers will offer different features on their term life insurance policies. To make sure you get a solid policy, look for one with robust coverage, limited exceptions and exclusions, and the option to renew your policy down the road.
It’s common for different insurers to offer wildly different prices for what’s essentially the same term insurance policy. If you see a price that’s lower than the rest, you might assume that there’s something shady going on or that the policy is inferior in some way.

But in most cases, a lower price usually just means that that company is pricing the policy more aggressively to win you over as a customer. And that’s the kind of bait you shouldn’t hesitate to take.
How much does term life insurance cost?
The cost of a term life insurance policy depends on a few different factors.

First, it depends on the coverage amount you choose. If you want your insurer to pay out a larger death benefit if you were to pass away, you’ll have to pay higher premiums. Shocker, right?

Second, it depends on the policy length you choose. If you buy a policy at age 20 and want coverage for 30 years (until you’re 50), you’ll pay more than if you want coverage for just 10 years (until you’re 30). This is because you’re more likely to die between age 20 to age 50 than between age 20 to age 30.

Third, it depends on your personal characteristics and how they affect your likelihood of dying while holding your policy. Here are some of the key factors your insurer will look at to assess your risk of dying early: age, health, gender, smoking status.

Where to compare term life insurance quotes:

www.MintcoFinancial.com

Phone: 813-964-7100