We believe choice is a good thing when it comes to term life insurance. And like most things, it's best in moderation.
So we keep it simple by offering four types of term life insurance from many of the nation's top life insurance companies.
Standard term life insurance is the coverage of choice for the majority of people. And for good reason. Term life insurance typically offers the best value in the life insurance industry. Most of our companies offer electronic application signature and submission and coverage is generally in force within 2-6 weeks.
Non-med as it is affectionately known, is the quickest and easiest term life insurance coverage to obtain. No paramedical exam is required and the application process usually takes 15 minutes or so to complete. The entire process is completed online.
Return of Premium (ROP) term life insurance contains a policy feature that requires the life insurance company to return the premiums paid for the policy at the end of the policy term, provided the premiums were paid on time and no claim was filed on the policy.
And if you need to cancel the policy before the end of the term, you may be able to receive a portion of the premiums paid to date, depending on the length of time the policy was in force. Kind of like free life insurance... almost!
Mortgage term life insurance pays a benefit equal to the outstanding balance of a home mortgage loan at the time of death. The coverage amount decrease as the mortgage balance decreases.
This popular form of term life insurance is usually a good fit for those with new first mortgage loans (13 months or less) and those with a mortgage balance of $500,000 or less.
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