About EQUOTE Term Life Insurance Services
Since 1998, EQUOTE has been providing our valued customers with the lowest cost affordable term life insurance products, including no medical exam life assurance, from our California offices located in San Diego. As brokers we shop around for you to get you the most affordable coverage for your specific needs, we complete all the forms for you, and we help you every step of the way. We are here to help you purchase the protection you need at the lowest possible price. We offer life insurance quotes online, rates, and information with simple, straight talk. Now EQUOTE has added Annuities and Long Term Care plans to offer you more and better options to protect yourself and your family. After all, that is what life assurance is for: Protection for yourself and your family.
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.
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.
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.
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.
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.
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.