When it comes to protecting your family from suffering financially as a result of your death, there is no better way than a life insurance policy. Of course, choosing the correct plan from the right insurer can seem complicated and overwhelming, especially if you are doing the research on your own for the first time. Term life insurance is typically offered in 10, 15, 20, or 30 year terms. The insured has an option to convert to a permanent insurance policy any time during the length of the term policy. If that option is chosen, the new premium will increase due to the cash value and lifetime guarantees. If the insured does not want to convert to permanent insurance, the term policy will expire at the end of the term. The insured may apply for a new term policy, but the new prices will be based on the current age and medical status at the time of the new application.
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People normally purchased term insurance when they are young to middle-aged adults. They want to pay off a mortgage, credit card debt, or car loans and protect their family’s financial future with large policies.
The options are simple. Clients can simply re-apply for a new policy or convert their term policy into permanent (whole) insurance. Generally, prices for each option will be based on current age and health.
Medical exams are not always required. Each life insurance company has its own underwriting requirements to approve policies. Many companies don’t require exams for policies under 1 million dollars in coverage.
Years ago term applications were between 12-25 pages where an agent needed to sit face to face with clients and fill out paperwork and possibly wait 4-6 weeks for an approval. Today the process is much simpler. Agents and clients can complete applications over the phone in minutes and approval times can be instant to a few weeks depending on coverage amounts.
Term policies allow people to get large amounts of life insurance for relatively cheap prices. Clients choose how long they want their policy term to last.
We are a fully transparent agency, there are no secrets or surprises. We allow consumers to see the companies we represent and allow them to quote prices before they contact us. We want them to know which company offers the lowest prices as opposed to us telling them. Once a program is selected by the consumer or suggested by TopLine, our clients are amazed at the speed in which they are approved for coverage. We have a family mentality that is productive and fun. Our office has almost no turnover, which means you get to know us very well. We are an insurance family, and we treat our clients as an extension of our family, without them, there is no TopLine Insurance.
At TopLine, we partner with some of the most reputable life insurance companies in the country. We can help you compare quotes and find the best deal.
Our life insurance brokers are experienced and passionate about finding the best policies for our clients. If you are unsure about your options or have any questions, they are happy to help.
Don’t worry about medical exams or your financial situation. With TopLine, you can get approved for a life insurance policy instantly.
They said the application process would be fast. I was thinking I would be approved in a few weeks but somehow, they made sure we got approved the same day. Tracy made the approval process simple and walked me through everything.- Tanya F.