Insurance Raleigh offers great life insurance plans for you. Our local Raleigh Insurance agency can prepare a life insurance quote for you so that you have coverage that protects the ones you love most. InsuranceRaleigh.com is one of the top local producers for Life insurance quotes and coverages online today! Start by choosing the right life insurance plan today to help prepare for the future. We suggest you try our quote system to help you save on your life insurance premium. Simple enter your zip code and compare quotes from different life insurance carriers.
Do you have a family that depends on you? Then as you already know, having term life insurance is critical. No one is comfortable at the thought of his or her own death, but it's something that you certainly have to plan and prepare for if you have loved ones who depend on you. If you were to die today, would you be 100% certain your family's financial security would be preserved? Would your children be able to go to college and have the support they need? Could your spouse retire in comfort or even pay off the mortgage? The right life insurance policy can help you answer all of these overwhelming questions confidently and with a peace of mind. On InsuranceRaleigh.com, you can find the policy that's best for you by getting life insurance rates from some of the best insurers in the business. Your life matters to the ones you love most, so take advantage of free term life insurance quotes today!
Did you know that almost three out of every five Americans have not purchased life insurance because they think it is too expensive, even though the cost of these policies has remained stable or even dropped over the past decade, according to the Insurance Information Institute (I.I.I.).
Besides citing the perceived high cost of life insurance (58%), consumers responding last year to a survey conducted on behalf of the Life and Health Insurance Foundation for Education (LIFE) also shared that they just had not found the extra time to buying life insurance or did not know enough about purchasing a dependable life insurance policy. Industry observers estimate that 68 million adult Americans have no life insurance today, and many of those that do have life insurance actually purchase minimal coverage compared to what they were advised to buy.
“If someone relies on you financially, you need life insurance,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. “The premiums are very reasonable when you consider the level of protection you receive.”
Their are 2 basic types of life insurance coverage
Term life insurance- is a form of life insurance that pays if the death occurs during the actual contract or term of the policy, which is usually anywhere from one to 30 years.
Whole life insurance- is sometimes referred to as “permanent” life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. A permanent life insurance policies pays a death benefit whenever you die, even if you live to be over 100, unlike term life insurance. Universal life is the most common type of permanent insurance policy, with traditional whole life the next most common type.
Both term and whole life insurance rates have been relatively stable over the years and we have even seen steady to lower term life insurance policies in today's market.
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