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Term Life Insurance
The cheapest life insurance that most people can buy is term insurance. It covers them for a specified period of time, usually from one to 20 years. If the policyholder dies within that term, the insurer pays the beneficiaries the face value of the policy. If the holder outlives the term and doesn't renew the insurance, the company gets to keep all the premiums that were paid and usually doesn't have to pay out a nickel.
According to "Get a Financial Life" (Simon & Schuster Inc., New York), "Term life insurance gives you the most coverage for your money when you're young. But don't be surprised if insurance agents discourage you from purchasing it. Agents often don't like to sell term insurance because the commissions on such policies are much lower than the commissions on other types of insurance policies." Be wary of an insurance agent who seems bent on trying to talk you out of buying term insurance. There's a chance he or she may be more interested in collecting a fatter commission check than providing you with the most coverage at the best price.
For more information or a quote on term life insurance (click here) complete our consumer profile form and locate a professional in your area.
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