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AccuQuote Term Life Insurance

About AccuQuote

AccuQuote helps its consumers find the best values in term life insurance by comparing prices, features and financial strength ratings for hundreds of life insurance products from more than 140 companies. The company combines instant online life insurance quotes with personal service from professionals that answer questions, identify important issues and make meaningful recommendations to customers.

AccuQuote Term Life Insurance Says

Through its partnerships, AccuQuote offers term life insurance with a variety of options. Term life insurance is, by definition, temporary insurance. Each year, a premium is paid to cover the risk of death during that year. Term life insurance has no cash value. If the insured dies before the policy term expires, the life insurance beneficiary generally collects the death benefit, free of income tax. Options include:

  • Annually renewable term life -- term life insurance rates increase each year as the risk of death becomes greater.
  • Guaranteed level term life -- premiums are designed to remain level for a select period of time (usually 5, 10, 15, 20, 25 or 30 years). Level term life insurance policies are popular because they are fairly inexpensive and can provide relatively long term coverage.
  • Return of premium term life (ROP) -- offers a guaranteed refund of the life insurance premiums at the end of the term period, assuming the insured is still living. A bit more expensive than regular term life insurance, but ROP premiums are designed to remain level.

Contact AccuQuote at:

AccuQuote Main Office
1400 South Wolf Rd., Bldg 500
Wheeling, IL. 60090-6588
Telephone: (800) 442-9899

Sources: AccuQuote press release, June 29, 2009; "Term Vs. Whole Life Insurance", AccuQuote Web site, 2009

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