What is Term Life Insurance & How to Find the Best Term Life

1. What is Term Life Insurance & How to Find the Best Term Life Quotes? www.BeamaLife.com | 1-866-972-3262

2. What is Term Life Insurance & How to Find the Best Term Life Quotes? • What is Term Life Insurance & How to Find the Best Term Life Quotes? • Term life insurance is the most basic kind of insurance. It suits someone who wants some insurance but doesn't have a lot of money to spend. For a given period of time—a term—you pay premiums in exchange for a payout to the beneficiary if you die. If you live past the term, the policy becomes worthless. www.BeamaLife.com | 1-866-972-3262

3. What is Term Life Insurance & How to Find the Best Term Life Quotes? • Terms range from one year to 30 years. Some companies allow you to renew your policy if you survive your term, but with very high premiums. The reason is that an older person is always more likely to die. In addition, most companies offer a convertibility option. This means that you can convert your term life policy to a permanent policies whole life insuranceoruniversal life insurance whole life insurance or universal life insurance without the company asking new questions about your health. www.BeamaLife.com | 1-866-972-3262

4. What is Term Life Insurance & How to Find the Best Term Life Quotes? • A new kind of term life insurance, Return of Premium life insurance or Money-Back term life insurance offers another way around term insurance's risky proposition. It pays back your entire premium tax free if you live beyond your term. The best term life quotes & rates can be very affordable for anybody. Please call (877) 972-3262 to speak with our life insurance specialists to find the best, cheap and most affordable term life quote or complete this short form now. www.BeamaLife.com | 1-866-972-3262

5. What is Term Life Insurance & How to Find the Best Term Life Quotes? • The primary purpose of life insurance is to create money for your family when it is needed most and you are long gone. The best term life quote not only provides very affordable rates but also the peace of mind that your family will live in the same house and drive the same cars even you are no longer alive. Life insurance is the cheapest way to create financial well-being for your family. www.BeamaLife.com | 1-866-972-3262

6. What is Term Life Insurance & How to Find the Best Term Life Quotes? • But to find most accurate term life quotes you need to provide most accurate and honest information upfront about your medical condition, any prescription medications, your family history, driving records and any tobacco use habit. www.BeamaLife.com | 1-866-972-3262

7. What is Term Life Insurance & How to Find the Best Term Life Quotes? • It is a fact that people who have certain medical conditions like Diabetes, High Blood Pressure and High Cholesterol pay more for life insurance. Knowing your existing medical conditions allows us to provide you with a much more accurate term life quote. A medical exam is the part of the process of buying life insurance most of the time. The final price for someone with these conditions doesn't change even you don't disclose at the time of term life quote. www.BeamaLife.com | 1-866-972-3262

8. What is Term Life Insurance & How to Find the Best Term Life Quotes? • we just want to tell you that price sooner rather than later. Because we offer products from over 100 companies we have the experience to know which companies view certain conditions more favorably than others, if you don't tell us what those conditions are, our experts can't help you get the best term life rate quotes. www.BeamaLife.com | 1-866-972-3262

9. What is Term Life Insurance & How to Find the Best Term Life Quotes? • Life Insurance companies also carefully consider your family history when evaluating you for term life insurance. If one or both of your parents have passed away before the age of 60 due to Cardio Vascular Disease, Heart Attack or Cancer, most companies will consider you an elevated risk and will charge you higher rates for life insurance. Certain companies offset those risks by giving you “credits” for being in excellent health, the more we know about you and your family history the more likely it is we will get you the best term life quotes! www.BeamaLife.com | 1-866-972-3262

10. What is Term Life Insurance & How to Find the Best Term Life Quotes? • Same goes for people who drove under the influence of alcohol or drugs. Life Insurance companies examine DUI risk very carefully and may deny coverage if the offense is recent or there are more than one of them. An evaluation of your Driving Record is a standard procedure during the life insurance underwriting process. www.BeamaLife.com | 1-866-972-3262

11. What is Term Life Insurance & How to Find the Best Term Life Quotes? • Individuals who have more than one Moving Violation may display a pattern of reckless behavior that would place them in an elevated risk category resulting in the insurance company charging a higher premium to insure them. One offense could just be a momentary lapse of judgment and is rarely the sole cause of a lower rating but someone with multiple violations in otherwise perfect health could end up paying more for life insurance based on their poor driving record alone. www.BeamaLife.com | 1-866-972-3262

12. What is Term Life Insurance & How to Find the Best Term Life Quotes? • So there are many attractive life insurance options and many moving parts in the life insurance underwriting. But, we at BeamaLife make it easy for you! We'll help you find the right term life quotes amid the ocean of companies and plans on the web? Maybe you have health issues or maybe you've been rated for life insurance in the past. How do you know who might insure you for the future at the most affordable rates? We will help. www.BeamaLife.com | 1-866-972-3262

13. What is Term Life Insurance & How to Find the Best Term Life Quotes? • Please call (866) 972-3262 to speak with our life insurance specialists to find the best, cheap and most affordable term life quote or complete a term life quotesrequest form now. www.BeamaLife.com | 1-866-972-3262

14. What is Term Life Insurance & How to Find the Best Term Life Quotes? www.BeamaLife.com | 1-866-972-3262