INSURANCE

Mar 21 2020

Term life insurance rate calculator #Life #Insurance #Calculator #- #View #- #Instantly #Measure #Your #Insurance #Needs



Term life insurance rate calculator

*******

Term Life Insurance Calculator

Calculating your life insurance needs on your own can be a long and complicated process. That’s why we developed our life insurance calculator. Our online term life calculator helps you think through your coverage needs. It is set up to ask you the right questions and help you establish the existing debts, current living costs, and future expenses that you should provide coverage for. It’s quick and easy to use our insurance calculator. In fact, you’re just a few steps away from finding the coverage you need to aptly protect your family.

The Best Life Insurance Quote Calculator

To get an accurate quote through our life insurance premium calculator you need to know your exact coverage needs. Without calculating your coverage requirements, it can be easy to either under or over estimate the amount of money your loved ones will need to be financially secure in your absence. To get an accurate number using a life insurance rates calculator, you’ll need to consider about the following costs:

Existing Debts

If you have large credit card balances, a mortgage on your family home, a car loan, or any other debts that would be passed over to you family or impact their lives, you need to include it in your calculations and if you wish to leave enough money to cover these costs.

Living Costs

Life insurance is a great way to cover your family’s living costs for a number of years. This is especially important if you are the main income provider or a stay-at-home parent. Term life insurance is the perfect way to replace your income, provide for childcare costs, and cover any additional day-to-day expenses.

Future Expenses

One of the many uses of life insurance is providing for your loved ones’ long term future. Many people use life insurance to ensure that their dreams for their family can be financially fulfilled. For example, if you have children and would like them to attend college, you could leave a lump sum to cover their college education costs. Other examples include home down payments, wedding funds, and legacy amounts.

End of Life Bills

Many people are surprised to learn just how expensive funeral costs can be. In fact, the average funeral can easily exceed $10,000. Providing a lump sum to pay for these costs can save your family from having to find the money to pay for these bills.

Our online life insurance calculator will work through these expenses with you and calculate the right amount of coverage you will need to protect your family financially should you pass away unexpectedly.

Life Insurance Quotes For The Coverage You Need

It takes just a few minutes to use our online life insurance calculator. Once you’ve calculated your coverage needs, our online quote form is an accurate life insurance premium calculator. It can find you life insurance quotes from the highest rated life insurers in the country. IntelliQuote ® partners with the best-rated insurers to find you the coverage that best fits your needs either online or on the phone. We’re here to help you make a smart insurance choice. Start your life insurance search by using our life insurance quote calculator, today.

Speak with a Licensed Agent

We feel it is important for you to make smart choices when buying life insurance. We recognize you are looking to make the best decisions for you and your family – quickly and easily. Learn more about who we are as a life insurance agency and how our life insurance agents are qualified to help.

IntelliQuote © 2019 All Rights Reserved

Mutual of Omaha (Rated A+ Superior with AM Best)

  • Est. 1926
  • Headquartered in Omaha, NE
  • $35 Billion in Assets

Transamerica (Rated A+ Superior with AM Best)

  • Est. 1906 Headquartered in Los Angeles, CA
  • Over $125 Billion in Assets
  • Over $1 Trillion of Life Insurance inforce

Legal & General (Rated A+ Superior with AM Best)

  • Est. 1836 US Headquarters Rockville, MD
  • Over $400 Billion in Assets

VOYA Financial (Rated A, Excellent with AM Best)

Prudential (Rated A+ Superior with AM Best)

  • Est. 1875
  • Headquartered in Newark, NJ
  • $1.3 Trillion in World Wide Assets

AIG American General (Rated A, Excellent AM Best)

  • Est. 1919
  • 12 million customers served
  • $575 Billion in Assets

Lincoln Financial (Rated A+ Superior with AM Best)

  • Est.1905
  • Headquartered in Philadelphia, PA
  • $225 billion in Assets

Fidelity Life (Rated A- Excellent AM Best)

Protective Life (Rated A+ Superior with AM Best)

  • Est. 1907 Headquartered in Birmingham, AL
  • $68 Billion in Assets
  • Over $760 Billion of Life Insurance Inforce

SBLI Savings Bank Life Insurance (Rated A Excellent AM Best)

  • Founded in 1907 by future Supreme Court Justice Louis Brandeis
  • Headquartered in Woburn, MA
  • Over 1-Million policies in force

John Hancock (Rated A+ Superior AM Best)

  • Headquartered in Boston, MA
  • Founded in 1862
  • Over $2.3 Billion in claims paid annually

Pacific Life (Rated A+ Superior AM Best)

  • Headquartered in Newport Beach, CA
  • Founded in 1868

Gathering custom quotes for your health and coverage preferences .

Term life insurance has a guaranteed level premium that expires in a set number of years and provides a death benefit for your dependents when you pass away. Your dependents receive the benefit if you die, as long as the policy is in effect.

Your dependents will not receive the benefits if the policy lapses, or you die after it expires.

The Term Length is also the guaranteed level premium period, meaning you pay the same annual cost for the policy during that term. At the end of the Term Length, you may continue to pay premiums to keep your policy coverage, but these premiums may be significantly higher than the guaranteed level premium during the Term Length period.

Contact us with any questions and for additional assistance in purchasing insurance coverage.

As a rule of thumb, a quick estimate for life insurance needs might be 7 to 10 times your annual income.

However, we recommend that you do a more diligent assessment of your needs using our life insurance needs calculator. Our online term life calculator helps you think through your coverage needs. It is set up to ask you the right questions and help you identify existing debts, current living costs, and future expenses that you should provide coverage for. It’s quick and easy to use our insurance calculator.

Life Insurance Needs Calculator

To get a more accurate quote through our life insurance premium quoter you need to know your exact coverage needs. Without calculating your coverage requirements, it can be easy to either under or over estimate the amount of money your loved ones will need to be financially secure in your absence. To get an accurate number using our life insurance needs calculator, you’ll need to consider the following costs:

Existing Debts (Mortgages and other debts)

If you have large credit card balances, a mortgage on your family home, a car loan, or any other debts that would be passed over to you family or impact their lives, you need to include it in your calculations and if you wish to leave enough money to cover these costs.

Living Costs (Replacement income to address your family’s ongoing needs)

Life insurance is a great way to cover your family’s living costs for a number of years. This is especially important if you are the main income provider or a stay-at-home parent. Term life insurance is the perfect way to replace your income, provide for childcare costs, and cover any additional day-to-day expenses.

Future Expenses (College for your children, weddings, etc.)

One of the many uses of life insurance is providing for your loved ones’ long term future. Many people use life insurance to ensure their family’s dreams are financially fulfilled. For example, if you have children and would like them to attend college, you could leave a lump sum to cover their college education costs. Other examples include home down payments, wedding funds, and legacy amounts.

End of Life Bills

Many people are surprised to learn just how expensive funeral costs can be. In fact, the average funeral can easily exceed $10,000. Providing a lump sum to pay for these costs can save your family from having to find the money to pay for these bills.

Our online life insurance calculator will work through these expenses with you and calculate the right amount of coverage you will need to protect your family financially should you pass away unexpectedly.

Life Insurance Quotes For The Coverage You Need

It takes just a few minutes to use our online life insurance calculator. Once you’ve calculated your coverage needs, our online quote form will present the best value options for your specific needs. It can find you life insurance quotes from the highest rated life insurers in the country. We’re here to help you make a smart insurance choice. Start your life insurance search by using our life insurance quote calculator, today.


*******
SOURCE:

Written by admin


%d bloggers like this: