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Option 1

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• Termlife covers you for a predetermined period of time.  A benefit is paid only if you die during that period.
  
  
• In Contrast to universal or whole life, there is no cash value accumulation; and it is generally the most affordable type of Life Insurance.
  
  
• Types of Term lifeinsurance include Decreasing, Annual Renewable, Level, etc.. Level is usually more expensive than Annual Renewable (initially), however premiums stay level rather than increasing every year.
  
  
• This could be your choice if you just need coverage for a relatively short period of years; or if you need large amounts of coverage but are on a limited budget. Business owners many times use this type of insurance for covering the life of a key employee. This is a type of coverage that is commonly referred to as Key Man.
  
  
• You should consider paying your premiums annually. This will eliminate modal charges applied to monthly, quarterly and semiannual payment modes.
  
  
• Inquire about discounts if your spouse applies for a policy at the same time.
  
  
• In many instances, Decreasing is more costly than Level. The reason is that it is offered as a convenience where the proceeds are used for paying off a mortgage, should you die prematurely. Thus, if you're being offered Decreasing term or mortgage insurance, you should request a price for Level as well.
  
  

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• If considering a Level policy, make certain the premiums are "guaranteed" to stay level and not just "projected" to stay the same.
  
  
• Make certain that the policy is renewable without having to answer medical questions or take a physical.
  
  
• Find out what the new premiums will be should you decide to renew.
  
  
• See if you can exchange your policy for a permanent, cash value policy, i.e. whole life insurance, when a conversion option becomes available.  Note that premiums will be higher after the policy has been converted.
  
  
• Certain policies offer early benefits should you become terminally ill. Ask if this benefit is available for the proposed policy.
  
  
• When selecting an agent to assist you, we recommend an Independent Broker. He / she will generally be able to present more options than a Captive Agent / Broker.
  
  
• Be sure the company is Financially Sound. Use the various rating services to aid in this: A.M. Best (www.ambest.com), Standard and Poors (www.standardandpoors.com) and Weiss Research (www.weissratings.com).

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