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REVIEWED LIFE INSURANCE POLICIES FROM:
Have you ever wondered if the Term Life being sold to you or the one you own is truly the best option available?
At LifeInsuranceReview.com (LIR), we empower you to EXPLORE, COMPARE, and VERIFY what is best for you!
6 Common Misunderstandings
About Term Life Insurance
All Term insurance is the same...
Annual Renewable Term cost less...
Coverage Duration is limited...
There are MANY VARIATIONS to explore and compare, so be empowered to choose for yourself and not be sold!
These may not be the most cost-effective option as they increase in cost every year and have limited benefits.
Term insurance has level premium options that can last beyond age 75 and is still affordable, which is great for long term planning.
Premature Death Protection only...
Term Insurance does have livings benefits/ protections from critical, chronic, and terminal illnesses, including serious injuries.
Bundling w/ Home & Auto save $$$...
Buying Term Life alongside with other insurances DO NOT save more money, that savings is misleading as it does not compare to other companies and options.
No Conversion Options...
Term insurance can be converted to Permanent Life Insurance, and some of the Term premiums can be used as credit for the new policy.
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Often Overlooked...
Key Benefits & Features
MANY BENEFITS of TERM LIFE INSURANCE go unmentioned, as agents, brokers and even financial advisors may not provide a comprehensive overview of:
Tax-Free Living Benefits
Policies can offer 100% return of the premiums when the the Term policy expires and early access to death benefits tax-free for certain conditions.
Enhanced Financial Protection
Term insurance can protect against disability, critical illness, chronic illness, and terminal illness. Term Insurance has many benefits to explore and compare.
Flexible Conversion Options
Term Insurance can be converted to Permanent Insurance to last to age 100+ or Cash Value Life Insurance with tax-free earning potential. If designed properly, your Term Policy can protect you beyond the term limit and still be affordable!
Life Settlement Options
If you no longer need your Term Policy, you might be able to sell it through a life settlement, potentially receiving more than what you paid for the policy. Policies with conversion options can be particularly valuable.
Important Note:
Comparing Term insurance costs to Cash Value or Permanent Life Insurance is a misleading sales practice! Term insurance should be compared only to other term insurance products from different companies to make sure you're getting the best total value!
About LIR
Led by attorney James G. Burns, JD, LL.M, TEP®, our Leadership TEAM of specialists collectively possess over 140 years of experience in the life insurance industry. Our life insurance product expert has been a Chartered Life Underwriter (CLU®) since1999 and life insurance licensed since 1982. At Life Insurance Review (LIR), our focus is on empowering consumers and representing their best interests! Since 2011, we’ve done countless life insurance reviews for consumers, including financial professionals, attorneys, and businesses who need our expertise and resources.
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