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Why Buy Term Life Insurance
Why Buy Term Life Insurance?
Term life insurance is the most popular form of life insurance, especially with people focusing on how to get the cheapest life insurance possible. Even many financial advisors tell their clients to buy term life insurance. Here are a few reasons why.
Reason 1: Term Life Insurance is Cheap
As the original (and most basic form of) life insurance, a term life insurance policy has the lowest premiums available in life insurance. A term policy is set up for a specific period of time and for a specific dollar value, to be renewed at the end of that period of time.
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Reason 2: Term Life Insurance is Simple
When you buy your term life insurance, you'll notice it doesn't come with a lot of add-ons or decisions to make. All you need to do is choose the company, choose the term (length of time) and choose the dollar value of the policy. When you buy term life insurance, it becomes easy and simple to understand your life insurance.
Reason 3: Guaranteed Level Premiums
Buying a term life insurance policy now means your premiums are lower than they will ever be in the future. These guaranteed levels of premiums ensure you will be better able to budget for your life insurance payments. Level premiums are a great reason to buy term life insurance.
Reason 4: Term Life Policies are Customizable
When you buy a term life insurance policy, you aren't "stuck" with the basics unless that's what you want and need. If your financial needs dictate, you can easily customize the term life insurance you buy with riders that can increase the value of the policy or provide for your heirs in other ways. Of course, we recommend getting a free consultation from a licensed insurance agent before making the final decision to buy your term life insurance.
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I saw the check was deducted from my account today and have never been that happy to see money taken from me. LOL
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