About EQUOTE Term Life Insurance Services

Term Life Assurance

Term assurance is the most popular type of life assurance today. As the name implies, term life is designed for a specific term (length of time). You buy a term policy to provide coverage for a guaranteed number of years: 10, 15, 20, 25 or 30 years. No Medical Term Life Insurance is also available. Some companies even offer a return of premium option on their policies. This allows you to receive 100% of the premiums you’ve paid into the assurance plan when the assurance term is over.

Universal Life Insurance

One of the most misunderstood types of life assurance is Universal Life. Today’s universal life assurance plans offer long term guarantees such as 20, 30, 40 years and even up to age 120! The face value amount of the life assurance policy is guaranteed to remain level and so is the premium for the period of time you select for coverage.

Term Life or Universal Life?

The biggest question facing many life assurance buyers today is, “Which type of insurance do I need, Term life or Universal life?” The real question should be, “What is Term life assurance and how does it differ from Universal Life Assurance?” Most people really don’t understand these two types of life insurance. And admittedly, it can be a bit confusing. Give us a call today and one of our experienced agents can walk you through the different types of life insurance, and direct you to an online form where you can get instant No Medical exam life assurance quotes and apply online.

Disability Income Protection Insurance

Income protection disability assurance provides coverage in the event a policy holder becomes disabled and can’t perform their regular duties. In the event the policy holder becomes disabled the assurance company will start paying the policy holder a predetermined monthly benefit after the deferred period. This benefit is usually a percentage of the policy holder’s earnings. Most companies set a limit around 70% – 75%, but it can be lower for high income earners.

Key Person Insurance

Quite a few companies today are taking term life assurance policies out on their key employees. Finding and keeping valuable employees is getting tougher these days. Affordable instant Term Life assurance rates are available online or contact us for No Medical exam Term Life Assurance, which only requires you to answer a few health questions.

General Insurance

Most companies require general liability coverage before they do business with other companies. EQUOTE is familiar with all types of business assurance and can help you decide what amount of coverage is standard for your line of work– a good rule of thumb is to find out what amount of coverage your clients require and to try to purchase at least that amount.