Term Life Insurance Quotes
Everyone should have a term life insurance policy: it will protect you and your family in the event of an unexpected death; most policies are very affordable; and you are able to choose the amount of coverage that you and your family need, as well as the length of the policy. At Kirstein Insurance Services, Florida’s premier insurance bokers are ready to discuss your term life insurance needs and provide you with term life insurance quotes.
What is Term Life Insurance?
A term life insurance policy is a form of life insurance which provides coverage for a limited period of time usually 5, 10, 20, or 30 years at a fixed rate of payment. After the time period has been completed, you have an option of obtaining a new policy or deciding to forgo coverage. However, the wise person knows the importance of protecting their family and usually chooses to purchase an additional or new policy.
Most term life insurance policies allow a healthy person to purchase large amounts of coverage at a very affordable price. As such, a term life policy is especially well suited for short-range situations, such as protection during your child-bearing and child-raising years.
Term Life Insurance Helps
A good Florida term life insurance policy will help your family to cover many different needs, following a death, such as:
- Business continuation
- Childcare costs
- Debt payoff
- Dependent care for older family members
- Educational costs
- Final expenses, including funerals and cremations
- Income replacement for the wage earner
Because many Florida term life policies have adjustable premiums, you need to discuss all of the options and adjustments with a knowledgeable insurance agent. Adjustable premiums means that your premiums may be increased or decreased based on projected changes of:
- Investment Earnings
- Mortality Experience
- And Persistency.
If you are interested in Florida term life insurance, please contact Kirstein Insurance Services, today. We are looking forward to discussing your term life insurance needs and coverage options for Florida term life insurance.