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We make life insurance affordable for you and your family! Term, Whole Life, Universal, Mortgage Life and more! Make sure your loved ones are taken care of.
A Term Life Insurance Quote Can Be Yours without any Hassle.
Term Life Insurance
Term Insurance is generally the least expensive and least complicated type of affordable Life Insurance. It provides life insurance protection at a low cost for as long as premiums are paid, or for a specified period of time, such as 10, 15, 20, or 30 years. There are many different types of term insurance – such as a Yearly Renewable Term, where the premiums increase annually. There are policies that are issued with a guaranteed premium period, say 10, 15, 20 or 30 years. As long as the premium is paid, the rates will not increase during the guaranteed period. Return of Premium term is a policy that returns 100% of the premiums paid over a 15, 20, or 30 year period of time. Each variation of term insurance changes the premium charged. Many people compare term insurance to renting. Renting builds zero equity while owning builds equity. However, the Return of Premium Term policy combines the best of both worlds, and does provide for equity buildup. At the end of a pre-selected term, you may renew the protection, although rates usually will be increased. There is usually no “accumulation” element or cash value with Term Life Insurance.
TERM LIFE INSURANCE
Affordable life insurance quotes for multiple needs.
Term Life Insurance is generally the least expensive and least complicated type of affordable life insurance – for short term needs. It provides insurance protection at a low cost for a specified period of time, such as 10, 15, 20 or 30 years. At the end of the term, you may renew the protection, although rates may then increase. There is no “accumulation” element, or cash value with term insurance.
UNIVERSAL LIFE INSURANCE
Simplify the process of finding quality affordable life insurance with Excalibur.
Universal life insurance was developed in the 1970’s, when insurance industry regulations changed so that companies could be more competitive with other financial services industries. It is more flexible than traditional whole life because the premiums can vary from year to year and sometimes the premiums can even be skipped.
WHOLE LIFE INSURANCE
Whole life policies offer death benefits and a “savings account” (also called “cash value” or sometimes “account value”) so that if you live, you usually get at least some of, and often much more than, the amount you spent on your premium. You get this money back either by cashing in the policy or by borrowing against it. In addition, the cash value is accumulating on a compounding, tax-deferred basis.
Buy-sell insurance is one of the best ways to assure the continuation of a business in the event of a partner’s death. Many businesses obtain buy-sell insurance as a form of business protection or business insurance. This buy-sell business insurance is generally accompanied by a buy-sell agreement that requires any surviving partner(s) to purchase the remainder of the business in the event of a partner’s death.
Affordable Life Insurance Doesn’t Have to Be Cheap Life Insurance.
When you’re on your own, finding Cheap Life Insurance for you and your family can be a challenge. If you’re feeling overwhelmed, we understand. That’s why we offer affordable life insurance options that are easy to understand and flexible enough to fit your unique needs.