Ohio Term Insurance   >   The Latest News

Who Has The Cheapest Term Life Insurance Rates?

Who has the cheapest term life insurance rates? That depends on many factors, including your age, health and face amount of coverage. But to simplify our comparison, let's make the assumptions that you are a healthy non-smoker. We have listed below some of the most common scenarios so that you can easily see the insurers that offer the best rates. All rates quoted are monthly. Paying annually will reduce the premium. Nicotine use will raise rates.

Read More...


Top Five Questions That Must Be Asked Before Purchasing Life Insurance Coverage

Buying affordable life insurance makes financial sense. Often, you're protecting assets, paying expensive estate taxes or accumulating cash value for future needs (if it is a permanent policy). But before you purchase coverage, it's critical to understand why and what you are buying, and how to find the best policies. Asking these five questions before the process may help.

Read More...


Small Face Amount Of Life Insurance Needed?

Lower face amounts of life insurance are often needed instead of larger amounts, such as $250,000, $1 million or more. Many of the most reputable and highly-rated companies offer term coverage as low as $25,000. Rates are, of course, very cheap, and often, these policies are ideal for persons over age 50 that need protection at a low cost.

Read More...


20 Year Term Life Insurance Rates

20-Year term life insurance plans are one of the most popular policies issued by major carriers. These types of policies provide stable and affordable† protection. Most companies guarantee that the premium will remain level for 20 years and the death benefit will not reduce during that time.

Coverage is ideal for individuals, families or businesses that wish to provide a large amount of death benefit at a reasonably low cost.

Read More...


Buying Life Insurance Online - Is It Safe?

Buying inexpensive life insurance through the internet saves time, money and perhaps lowers your blood pressure since you'll eliminate a lot of frustration! Our specialty is finding cheap term coverage that matches the price and time frame you provide. We help you evaluate and compare the best offers and get covered as quickly as possible.

Read More...


Low Cost Life Insurance For Seniors

Just because you're between the ages of 50 and 80 doesn't mean you can't qualify for affordable life insurance coverage. We research and compare term† plans from dozens of carriers to provide you with the guaranteed lowest allowable rate. Prices for seniors have gradually reduced, and many low-cost options are offered.

Read More...


Term Life Insurance Definition And FAQ

What is Term Life Insurance?

Term life insurance is the least expensive type of life insurance. Coverage is provided for a specific period of time (Usually 5, 10, 15, 20, 25 or 30 years). Premiums are generally extremely affordable, allowing for the purchase of large amounts of coverage at low rates. Common uses include covering financial responsibilities of the insured in case of a death.

Read More...


Key Person Life Insurance Plans And Rates

Key Man (Person) life insurance is a policy written on the owner of a small or large business. Affordable rates on high face amounts of coverage are available from many top-rated companies. Typically, a buy-sell policy is written on someone who is considered irreplaceable, and is closely involved in running the day-to-day operations. A financial hardship would result if that person died or left the company.

Most companies or small businesses have at least one employee who is crucial to the success of the business. That person can be the best salesperson, the owner, a partner or someone who controls the day-to-day operations. But the loss or death of that person could cause the company irreparable damage and possibly force bankruptcy.

Read More...


Why Buy Term Life Insurance Coverage?

Term life insurance the most popular form of life coverage purchased in the US. But what makes it so popular and why do so many people buy it? Perhaps price is the main reason. It is not just less expensive than a traditional whole-life policy. Itís substantially less expensive. Often, the difference in premium is thousands of dollars per year, and tens of thousands of dollars over your lifetime.

Read More...


How Much Life Insurance Do You Need?

To accurately calculate how much life insurance you need, first we need to determine if you actually need any coverage. Life insurance protects the persons that depend on your income if you die prematurely. It also can provide a continuous income to family members to pay for ongoing expenses and other legal medical and funeral costs.

If you have dependents or your current debts are higher than your assets, you probably need to purchase coverage. Your current health will help determine what rates and options you are eligible for.† Choosing the correct face amount will depend on four factors:

Read More...


Next »