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How To Get Affordable Life Insurance Quotes

Knowing everything about a life insurance policy is the most troublesome task, but finding affordable life insurance quotes that best suits your needs is not that tough. One can easily buy life insurance policy at affordable price by getting quotes from a-rated life insurance companies, and it will only take your few minutes. How? Answer the following questions to know!

Following are a few assumptions about your current situation. 

  • Are you a full-time or part-time working professional?
  • Do you have family members dependent on you for their financial needs?
  • Are you searching for the best life insurance policy for your income replacement?
  • You don’t want to spend a lot?

If your answer to at least three or four questions mentioned above ends in a yes, then Insurtika– one of the top 10 life insurance companies in the US canhelp right away by giving you an instant life insurance quote. With the help of these details, you’ll get an approximate idea of a term life insurance policy for 10-year tenure with basic details such as premium and death benefit payouts. But, how one can decide whether the estimations are right for them? Continue reading the post to get your answers!

What This Article Covers?

  • How to decide which insurance policy is best for you?
  • Can you rely on the estimated coverage amount to meet your future needs?
  • Is it possible to lower your life insurance rates?

Let’s get started!

How to decide which insurance policy is best for you?

Many life insurance policies suit different people in different situations. With the details mentioned above, one will receive a term life insurance quote for a level-term policy that supports medical terms. In this type, premiums will not increase during the tenure, and the policyholder needs to give the medical test to known the premium cost. True to its name, term insurance coverage lasts only for a limited period, typically between 10 to 30 years – depending on the choice. It’s an affordable option as it offers death benefits payouts to the beneficiaries if you die before the policy ends.    

On the other hand, a permanent life insurance policy offers coverage benefit that lasts for the lifetime, cash value components, and death benefit. There’s one more advantage of choosing permanent coverage. You’ll be amazed to know that some portion of your policy will increase over time, and you can apply for money against that cash value. Isn’t it great?

You don’t need to worry about premiums after some time. You can use the borrowed money to pay your premium amount or even choose to get this money for your retirement. Now, you may be wondering to know that which of these two policies will let you buy an affordable life insurance policy. Following is the comparison of advantages and disadvantages of term coverage to help you decide which whether its best for you or not. So, let’s have a look!

Pros Vs Cons – Comparison at Glance  

1Most affordable life insurance policy as compared to othersZero cash value component
2Offer instant help Coverage is not permanent
3Offer the highest benefitOnce the tenure is over, there’s no benefit
4Good life insurance plan for young and healthy policyholdersCost high if you wish to renew your policy at affordable price

Can you rely on the estimated coverage amount to meet your future needs?

It’s a good question. Let us help you understand this with the help of an example. Normally, individual aging between 25 to 28 years who earns between $50,000 and $70,000 per year, can apply for life insurance that varies between $1,500,000 and $2,400,000, which is 30 times of their current annual income. So is that the right amount? 

If you want us to give an honest answer, we would like to say that it’s a good number to start. However, you also need to take a few points into your considering if you are planning to purchase life insurance policy at affordable pricesuch as

  • How many children do you have? 
  • Do you want to cover your child’s education cost in the coverage?
  • What debts do you want to include? 
  • Do you want to see your earnings increase over time? 

You need to discuss these issues with your agent to get an accurate estimation. However, if you wish to calculate by yourself, then you can take the help of some thumb rules. Want to know what are they? 

Click Here To Know How To Get Life Insurance Quotes That Suit Best With Your Needs?

Is it possible to lower your life insurance rates?

Buying a life insurance policy is not that expensive as you might think. Many people drop their plan to invest in a policy because they overestimate the cost. With proper guidance, you can get a coverage plan that can cover your needs without burning a hole in your pocket. But, you need to be aware that life insurance policies are tied to life expectancy. Therefore, the cost may get more expensive as you grow older. 

Now, the question arises is it possible to lower life insurance rates after a specific age? The answer is yes. You can easily adjust the cost by keeping the following things in your mind, 

  • By adjusting the coverage amount or benefits 
  • By adjusting the coverage length 

There’s no need to drop your plans to get life insurance policy at affordable price. Discuss all possibilities with your agent to get the best rates. 


Do you know how to get an affordable life insurance quote online? Get in touch with Insurtika- one of the best life insurance companies of 2021Why? Because we don’t want you to share your hard-to-find details, which many of you might feel uncomfortable sharing? We only want you to share the following things to give you a life insurance quote instantly:

  • Gender
  • Age
  • Salary 
  • Any pre-existing condition – yes or no

That’s it. Insurtika doesn’t ask for your name or email ID, and it’s the best part. Get an estimated idea of premiums and death benefits for a 10-year term life insurance policy. Isn’t it simple? Secure your family’s future by investing your money to buy life insurance policy at affordable price in USA from Insurtika.  

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