[heading tag=”h2″ align=”left” text=”Which Life Insurance Is Best”]

Everyone’s situation is different when it comes to life insurance. If you have a family and a mortgage, and are under the age of 65 you might consider a 10, 20, or 30 year term policy. A $500,000 20 year term life policy is common for someone around the age of 40. This can often be purchased for under $50/month.

If you want your insurance to be permanent, and have a locked-in price that will never increase, you should consider a Universal Life policy. These life insurance policies can be designed to last all the way to age 121. In general, the younger and healthier you are when you purchase one of these policies, the lower price you will get. You might consider a permanent insurance policy if you want to make sure your spouse or loved ones are able to live comfortably after you die. You may also consider a permanent life insurance policy if you have assets that you are passing down, and want to compensate multiple family members for the value of those assets. For example – if you are a farmer, you might want to purchase a permanent life insurance policy for your children that don’t farm, while passing land and equipment to the children that do farm.

Another option for Permanent Insurance is Whole Life. With Whole Life Insurance, you have a money account inside of the life insurance policy that grows the longer you own the policy.
Eventually, you can use part of this money for unexpected expenses you may incure down the road. For most circumstances, Universal Life is recommended over Whole Life, as there is a higher potential for your money account to grow in a Universal Life, and it can often be purchased for a lower price.

[cinfo title=”Term Life Insurance” style=”style4″ btn=”READ MORE” link=”#term-insurance”]Term Life Insurance locks in your price for a temporary amount of time, such as 10, 20, or 30 years. This is the cheapest type of life insurance.[/cinfo]
[cinfo title=”Whole Life” style=”style4″ btn=”READ MORE” link=”#whole”]Whole Life is a type of permanent life insurance that also includes a money account that grows inside the policy.[/cinfo]
[cinfo title=”Universal Life” style=”style4″ btn=”READ MORE” link=”#universal”]Universal Life is a type of permanent life insurance that is often lower in price than Whole Life, and can have a higher potential for growth of a money account inside of the policy.[/cinfo]
[heading tag=”h2″ align=”left” text=”Term Life Insurance Policies”]

Term Life Insurance can usually be purchased for a much lower price than Universal Life or Whole Life. This is a great option for people looking to provide for their family members. When someone dies, it can cause a major strain on finances. The family may be relying on that person’s income to pay bills, rent, mortgage or car payments, education costs, or to pay for other major expenses.
Smart business partners purchase life insurance in order to buy out their shares in case of death. Responsible family members purchase life insurance to help their surviving family make it by without them.

Basic Term LifeLowest Price

Term Life Insurance typically locks in your price for a period of 10 years, 20, or 30 years. If you are still living after the period expires – your policy will either cancel automatically, or the price will go up so exponentially high that you will want to cancel. The shorter the term length, the lower the price. For example – A 10-year term life insurance policy is cheaper than a 30-year term life insurance policy. If you purchased these life insurance policies at age Forty – the 10-year policy would expire at age Fifty, and the 30-year term life policy would expire at age Seventy.

  • Term-Life plans usually have $100,000 or more in coverage and $10/month or more in price.
  • Term Life is usually much cheaper than Permanent Life
  • Term Life expires or becomes extremely expensive after the term ends.
  • The shorter the term length, the lower the price.

Return-of-Premium TermBest Value

Return of Premium Term Life Insurance is one of the best values in all of life insurance. With ROP Term, you get every dollar refunded back to you at the end of your term period. For example – if you have a 20-year ROP Term life insurance policy that costs $100/month, you would receive a check for $24,000 at the end of those 20 years!

Return of Premium Term Highlights

  • Big Payday – receive all premiums back at the end of your term.
  • More Expensive that Basic Term Life.
  • Can convert the Return of Premium payday into another new life policy.
  • Can receive a partial premium refund if cancelled early.

Living Benefits Term LifeHealth Benefits

When you purchase a Term Life Policy with Living Benefits, you are able tap into the death benefit of your policy while you are still alive. This is usually only available in a circumstance such as a major illness, cancer, heart attack, or loss of limb. These Living Benefits policies do not cost much more than a Basic Term Life policy, and can be a low-cost way to get extra health coverage for you or your family members. This is especially beneficial to people with a high deductible health insurance plan.

Living Benefits Term Life Highlights

  • Price is not much more than basic term life insurance
  • You can access the death benefit while you are still living.
  • The benefits can be used only in certain circumstances, such as cancer diagnosis or heart attack.
  • Good option for people with a high deductible insurance plan.
[heading tag=”h2″ align=”left” text=”Whole Life Term”]

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[heading text=”Simple Whole Life” tag=”h3″ align=”left”]

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[heading text=”Death Benefit” tag=”h3″ align=”left”]

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[heading text=”Premier Whole Life” tag=”h3″ align=”left”]

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[heading text=”Universal Life” tag=”h2″ align=”left”]

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[heading text=”Features of Universal Life” tag=”h2″ align=”left”]
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[heading tag=”h2″ align=”left” text=”Getting An Auto Insurance Quote”]

Quoting online with peace is quick & easy answer a few simple question, give us some information about your driving history & we will give you an accurate quote to consider.

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[heading tag=”h2″ align=”left” text=”What you will need to fill the quote online”]

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[cinfo icon=”umbrella” title=”Current Insurance Informations” style=”style2″]Nulla mollis ligula diam, ac vulputate nunctie arcu pellentesque, eget porttitor nibh maximus.[/cinfo]
[heading tag=”h2″ align=”left” text=”Advantage of Peace Insurance Agent”]

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[cta2 btntext1=”Find an agent” btntext2=”Get quote” style=”style2″ btnlink1=”http://demo.vegatheme.com/insurance/find-an-agent/”]Find the right independent insurance agent to assist you with all your insurance needs.[/cta2]
[heading tag=”h2″ align=”left” text=”Why peace insurance agent ?”]

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