When you are shopping around for a life insurance policy, it can be confusing to understand the differences between the policies that are available. Our goal is to simplify the process of life insurance qualification, to help you find the best policy for your individual needs. One of the most popular policies is a term life insurance plan, and it is easy to see why it is a good option to consider. Before you choose a plan, make sure to do some research to learn about how term life insurance coverage will be beneficial, how your health will impact your premiums, and the amount of coverage that you need.


  • Some insurance policies are known as permanent life insurance, which means that the payouts are available without a set number of years on the plan.
  • In comparison, a term life insurance policy is temporary, and it only lasts for a pre-determined number of years.
  • Eventually the term life insurance policy will expire, the person can re-apply at the time of expiration.
  • But, the application process will be a little different since the policy holder will be older and potentially facing different medical conditions.
  • The biggest advantage to a term life insurance policy instead of a permanent plan is the difference in price.
  • Term policies will be quite a bit cheaper than a permanent policy, and you will notice a big change in the monthly premium costs.
  • If you are looking for the best way to get a good insurance policy while managing premiums to keep them low, then you might consider a term life insurance plan.
  • On the other hand, if you want an investment vehicle, then you might consider a permanent plan since it offers the chance to invest and earn cash values in addition to the death benefit.


  • When it comes to life insurance, it is important to consider your individual situation before choosing a plan that is right for you.
  • Some individuals only have a short-term need, which means that a term life insurance policy might be a great option for them to use.
  • Take a close look at the amount of time that will be required to pay off existing financial obligations such as a mortgage or other debts, and then choose a practical insurance policy based on your estimates.
  • There are many benefits to term life insurance, and we want to help you maximize your coverage while managing monthly premium costs at the same time.
  • If you need help choosing the right insurance policy for your individual needs, then we invite you to contact us and we will gladly answer your questions.