Term Life Insurance
Term life insurance quotes or term life insurance rates may be easier to qualify for than ever. Underwriting has become more flexible, especially with rapid-application term life insurance, also known as, jet issue life insurance. Jet issue term life insurance is a kind of life insurance that is typically issued in less than 3 days, which is lightning fast compared to the standard 3 month waiting time associated with a whole life insurance policy.
The good news is that the cost is not much more for this jet issue term life insurance product. It is only a few dollars more, which is highly worth it to those who fear the doctors stabbing them with needles, getting bloodwork, etc. However, if you want the absolute lowest term life insurance rates, than it would be wise to complete the physical, as, if you have nothing to hide, and are truly healthy, than you will be in the preferred class and qualify for the lowest term life insurance rates. Many people want to save the most amount of money due to the fact that term life insurance is a semi-lengthy commitment, as it is meant to protect bills such as mortgages, secured debt, unsecured debt, etc.
Term life insurance is likely going to remain the main type of life insurance people seek due to its extremely affordable rates. Also, unless you are worth multi-millions of dollars, or have a complex financial situation, than typically whole life insurance would not be right for you. Some people would argue this point, but the products are so different it is like asking, what is your favorite type of ice cream, vanilla or chocolate!? As you can see, the best way to get an answer in terms of which type of life insurance policy best fits your needs is to contact a state licensed life insurance agent which can be found easily by doing a fast and simple Google search for term life insurance rates, or, following up on an insurance agency's term life insurance blog.
