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Term Life Insurance Rates

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Term life insurance is called "term" because it provides coverage for a specific period or term (most often 1, 5, 10, 15 or 20 years). For this reason, it is also called "temporary" insurance. If death occurs during the term, the policy pays cash benefits to the beneficiary. However, once the term is over, and if the policy is not renewed, the coverage ceases. If death occurs after the coverage ceases, no cash benefits are paid out.

Basically, almost any term life insurance rates policy can be made into a termed policy. Some of the more common term life insurance policies are:
  • universal life
  • level term life insurance
  • decreasing or increasing term life insurance
  • variable life
  • adjustable insurance
  • industrial insurance
Please keep in mind that many of these insurance policies can also be whole life policies as well.

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Term insurance is the most straightforward type of life insurance and the easiest to understand. Sometimes it is called "pure" insurance, since the policy has no financial investment value and most of your premium goes to pay for coverage, with only a small amount used to pay the insurance company's costs. If you are looking for the maximum amount of coverage for your dollar, term life insurance will give you the best value for your money.

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