Why buy term life insurance instead of other types of life insurance.
Simple answer is because term life insurance is the purest and simplest form of life insurance. If you pay the premium “the company” will pay the death benefit. And as long as your term life policy is a level policy your rates will not increase in the term policy, they will stay the same for that same term. Term insurance coverage is not just less expensive than a traditional whole-life policy. It’s substantially less expensive. For example a 35 year old male in the state of Washington can get a $200,000 20 year term polcy for around $12/mo. Whereas that same $12/mo. would buy about $1445.00 of death benefit. As you can see often, the difference in premium is thousands of dollars per year, and tens of thousands of dollars over one’s lifetime. Talk with your agent Brian Gruss today and see just how inexpensive a term policy is. Even if you already have a term policy, let’s take a look at it, right now term rates are the cheapest then they ever have been.
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If your applying for individual health insurance in the state of Washington, make sure you have the carriers updated applications and the updated health questionnaire. With all the changes that state and the carriers are going through I recommend using the carriers websites to apply for coverage.
LifeWise of Washington
Group Health
Assurant
Premera Blue Cross
As always I am here to help you make the best decision for your health insurance needs. Please don’t hesitate to call or email with any questions that you may have regarding your insurance decisions.
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