Term Life Insurance
Term life insurance is an excellent way to help protect your family from failing financially should something happen to one or both parents. We recommend eight to ten times one's income. If one spouse is a homemaker, we recommend around $250,000 in coverage.
We are HUGE fans of the term life insurance quote page available at Palmetto Insurance (our hometown insurance company). They are equipped to provide life insurance to anyone in the nation. This is who we obtained our life insurance through.
You can use the quote page to obtain the current prices of life insurance and request an application all in one place!
Acquiring term life insurance generally follows the following steps.
- Find term life insurance that fits your needs.
- Request and fill out an application.
- A nurse will contact you to set up an appropriate time for a health analysis (usually involves a blood test and a basic physical).
- You are accepted or denied. If accepted, you will be provided the rate and the policy will go into effect when payment is made.
NOTE: Smoking and weight issues do not necessarily mean that you can not obtain life insurance, but it usually results in higher premiums due to increased health risks.
Even if you choose to use your local insurance agent, the quote page at Palmetto Insurance will allow you to understand the current prices of term life insurance.
Click the Palmetto Insurance logo or HERE to obtain your quote!
