Life insurance provides a financial safety net for your benefactor if you die, especially unexpectedly or prematurely. With improvements in food preparation, auto safety, science and medicine, people are living much longer than they used to. This has made 30 and even 40 year term life insurance very attractive. Many of the life insurance policies sold today are cash value policies. A cash value policy is an insurance product that packages insurance and savings together. Do not invest money in life insurance; the returns are very low. Don't believe rosy life insurance projections by an agent. Whole or universal life policies are not without some advantages. But much of the savings you finally build up after high fees and capped performance for years don't go to your family upon your death. The only benefit paid to your family is the face value of the policy. In most instances, the insurance company gets to keep the cash value, a major feature you were sold on in the first place.
Accidental Death Life Insurance Quotes Online
What is Accidental Death Insurance?Accidental death insurance is specifically intended to provide life insurance protection in the event of the death of the insured due to accident. Accidental death insurance can frequently be purchased in the amount that you choose from $50,000 to $20,000,000. Insurance premiums are calculated based on actuarial tables compiled by the insurance companies relative to the dollar value of the insurance policy. The dollar amount of the accidental death insurance policy is the actual amount that will be paid to the beneficiaries, in the event of the accidental death of the insured. This amount should be chosen carefully, and at a level that will adequately provide for their planned future financial needs in the event of accidental death. Adequate insurance and financial planning are the best way to guarantee that the beneficiaries lifestyle will be sustained, in the event of the accidental death of the insured.
Accidental death insurance coverage must be maintained through regularly scheduled insurance premium payments in order to be payable in the event of the accidental death of the insured. Failure to pay policy premiums in a timely manner will result in the lapse or cancellation of the accidental death insurance policy, and subsequent loss of protection of the insured person.
Note: Summary only. See policy for benefits and terms.
Accidental death insurance coverage must be maintained through regularly scheduled insurance premium payments in order to be payable in the event of the accidental death of the insured. Failure to pay policy premiums in a timely manner will result in the lapse or cancellation of the accidental death insurance policy, and subsequent loss of protection of the insured person.
Note: Summary only. See policy for benefits and terms.
Why is a company not quoted?
If a company does not appear in our quote system it may mean we are not contracted with the company. In some cases this means they are new to the market with competitive premiums and we have not completed the paper-work. Selected companies do not appear in our database because our experience has shown their service is poor and untimely. Some companies have instructed their agents not to provide quote information and/or comparisons of their premiums over the Internet. Finally, not all companies will contract with all direct-to-consumer companies for a variety of reasons.
How do you select companies to recommend?
ChoiceQuoteSM selects companies to be quoted based on the following criteria:
Strong financial ratings in the opinion of the independent insurance company rating service (s) such as A. M. Best, independent insurance analysts since 1899. Many companies also have Superior/Excellent ratings in the opinion of Standard & Poors, Duff & Phelps, Moody's and/or Weiss Research.
Dedicated to e-commerce, i.e., accepts application requests generated by the ChoiceQuote's Internet simplified shopping service.
First class underwriting of applicants in terms of decision-making and timely processing.
And, "yes" an acceptable level of compensation to ChoiceQuoteSM so we can stay in business.
What is your relationship to the insurance company?
ChoiceQuoteSM and/or its agents represent most major companies offering competitive insurance policies. However, not all companies are represented in all states and not all recognized companies offer competitive policies. ChoiceQuoteSM is compensated solely by the insurance company, and only after you have: 1) selected the company, 2) qualified for the insurance, 3) reviewed the policy and 4) paid the premium. Therefore, the final decision is always in your control.
Is my information confidential?Yes, by federal and in some cases state law, information you provide to gain acceptance by the insurance company is confidential. It must be kept confidential by the insurance company and may not be released to any third party not a participant in the underwriting process.
ChoiceQuoteSM does not release inquiries or give quote request information to any third party. ChoiceQuoteSM may, however, use information provided to advise you of renewals, new products or premium changes, or relevant issues unless your request that we do not.
The ChoiceQuoteSM site, in addition, is secure, to further ensure safety.
If a company does not appear in our quote system it may mean we are not contracted with the company. In some cases this means they are new to the market with competitive premiums and we have not completed the paper-work. Selected companies do not appear in our database because our experience has shown their service is poor and untimely. Some companies have instructed their agents not to provide quote information and/or comparisons of their premiums over the Internet. Finally, not all companies will contract with all direct-to-consumer companies for a variety of reasons.
How do you select companies to recommend?
ChoiceQuoteSM selects companies to be quoted based on the following criteria:
Strong financial ratings in the opinion of the independent insurance company rating service (s) such as A. M. Best, independent insurance analysts since 1899. Many companies also have Superior/Excellent ratings in the opinion of Standard & Poors, Duff & Phelps, Moody's and/or Weiss Research.
Dedicated to e-commerce, i.e., accepts application requests generated by the ChoiceQuote's Internet simplified shopping service.
First class underwriting of applicants in terms of decision-making and timely processing.
And, "yes" an acceptable level of compensation to ChoiceQuoteSM so we can stay in business.
What is your relationship to the insurance company?
ChoiceQuoteSM and/or its agents represent most major companies offering competitive insurance policies. However, not all companies are represented in all states and not all recognized companies offer competitive policies. ChoiceQuoteSM is compensated solely by the insurance company, and only after you have: 1) selected the company, 2) qualified for the insurance, 3) reviewed the policy and 4) paid the premium. Therefore, the final decision is always in your control.
Is my information confidential?Yes, by federal and in some cases state law, information you provide to gain acceptance by the insurance company is confidential. It must be kept confidential by the insurance company and may not be released to any third party not a participant in the underwriting process.
ChoiceQuoteSM does not release inquiries or give quote request information to any third party. ChoiceQuoteSM may, however, use information provided to advise you of renewals, new products or premium changes, or relevant issues unless your request that we do not.
The ChoiceQuoteSM site, in addition, is secure, to further ensure safety.
How long does it take to get my policy issued?
Consumers are rewarding the most competitive and financially strong companies with a large volume of applications. This "flight to quality" is now overloading companies with low premiums. Plan on 7-10 business days (depending on plan elected) processing time after we have received your application for a mailed package to be sent
Consumers are rewarding the most competitive and financially strong companies with a large volume of applications. This "flight to quality" is now overloading companies with low premiums. Plan on 7-10 business days (depending on plan elected) processing time after we have received your application for a mailed package to be sent
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