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What exactly is Term Life Insurance?

Term life is a form of life insurance where you're covered for a number of years - the number of years is called the term. Term life insurance policies can be for as long as 30 years or for 20 years, 15, 10 or 5. After those years the policy can either be over or it can be renewed at a higher price based on your age at that time.

What's the best way to utilize term life insurance?

Term life is very good to have a lot of insurance - for now. It makes sense if you have kids at home who are dependent on your income coming in for years to come for their living expenses. Also, a spouse, even if working, would have a financial hardship in case of your death. If you can't develop the funds for permanent life insurance like whole life insurance then get the most term that you can.

Are there "stores" for term life insurance on the web?

Yes, but they are not all the same:

a. There's the sort that asks for information about you which is marketed to agents as a sales lead.

b. Then there are ones that sell life insurance but want you to give your information before giving you insurance quotes.

c. The websites of life insurance companies themselves which are usually informational in nature and if you email them, you're referred to one of their insurance agents.

d. An internet site that gives you direct and anonymous access to term life insurance rates. Then if you get a quote that works for you, you can make contact. One that does this is www.lifeinsure.com

Suggestion/Action Plan

If something happened to you and you have people financially dependent on you, it's crucial that you have ample life insurance whether term life insurance or if finances allow it - permanent life such as whole life or universal life. Go to a website that allows you to learn on your own and get various quotes from a lot of life insurance companies. The web can be of immense help to you in this research.

Neil Willner is a co-author of The Life Insurance Blog and The Disability Insurance Blog.

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