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August 5, 2015 By

Term Life Insurance Quote

Term life insurance is defined as a life insurance policy which offers a benefit set before upon the death of the holder, given that the demise occurs within a definite précised time period. This policy is only obliged to provide the stated benefits and no returns beyond that, unlike the insurance policy. An insurance policy provides gains over and above the specified benefits and also permits the investors to contribute in returns from the insurance company’s asset portfolio.

On the other hand, the policy of Term life Insurance is for a certain period of time. You can select the number of years for the coverage of the policy, for instance 1, 5, 10, 15, 20, etc on relying on the insurance company.

How does Term Life Insurance Works?

Term life insurance is a temporary policy, which is if you are paying for a 10 year policy; it is only obliged to serve you for 10 years and nothing more than that.

A basic Term life insurance policy assures fixed premiums. This implies that the size of payment which you have to pay to the Life insurance Company stays the same over the useful life of the Term life insurance. The owner of the policy is liable to pay the fees at equal periods of time that may be monthly, quarterly, semi yearly, or yearly according to the Company and its policies. Moreover, the payments are to be of equal amounts.

The owner of the policy can cease the payments at no cost at any time he or she wants to. If, however, the owner stop paying the insurance company, the Life insurance Company is not really responsible to pay the benefit at death.

A customary Term Life Insurance Policy also assures a fixed death benefit. This indicates that death benefit is of a specified amount in spite of for how long the policy was in continuity. The insurance Company is accountable to pay the same amount of money if person dies on the first day of the policy or at the last day of the coverage.

Filed Under: Affordable Life Insurance, Cheap Life Insurance, Life Insurance, Term Life Insurance Tagged With: affordable life insurance, Cheap Life Insurance, Final Expense Insurance, Insurance Market, steps for Cheap Life Insurance

New Jersey Life Insurance Expert

Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him.

Carl earned his Bachelor’s Degree in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

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