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Term Life Insurance

Term Life Insurance Quotes

The Insurance Revolution

Changes are rocking the life insurance industry! Unless you have researched dozens of companies recently, you may be unaware of the tremendous upsurge in competition between the insurance giants. If your policies are over three years old you may be spending hundreds of unnecessary dollars by paying premiums on uncompetitve policies.

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Return of Premium Term

By Todd Phillips

Free Parking

You’re driving in downtown looking for parking at your new job when you see a sign which says “Parking on the South side: $1 per day; Parking on the North side: $1.50 per day.” You tally up your costs and estimate you’ll save at least $10 per month parking on the South side. Naturally you pull up to the South curb, but walking into your office on the North side you read a sign that says “All North side parking fees will be refunded at the end of the month.” With your net cost of $0 to park on the North side the choice is obvious; you commit to North side parking.

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Application Process

We know you have a lot of choices when buying term life insurance, and we are proud that you have chosen Phillips Financial & Estate Planning Specialists.  With more than 20 years experience processing Term Life Insurance, we have developed processes to streamline your application, making applying for insurance simple and painless.

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Term Life Insurance

Term Life Insurance provides the most coverage for the lowest initial cost. The coverage is so great because the benefit is paid only if the insured dies within the designated term of the policy.

Term Life Insurance plays a vital role in proper financial planning. The most common reasons to buy Term are as follows:

  • You have a temporary need which lends itself to a temporary solution, i.e., raising children, education, paying off a mortgage, a business buy/sell agreement.
  • You have a permanent need for protection (such as liquidity for the purpose of paying estate taxes), but since term is initially less expensive, it fits better into your current budget. You might want to purchase a term policy with the intention of converting to permanent protection later.

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