Affordable Life Insurance Rates
We, at Surety Insurance Services, strive to make your shopping experience for life insurance as pleasant and hassle free as possible.
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We do not have to tell you the importance of obtaining life insurance coverage so your family is protected against a financial disaster.
We'll work with you to find the best possible rates for the money. It is not always about finding the cheapest policy, it is about finding the best policy for your circumstances. Also, critically important, is to find out how much life insurance you really need.
Over the years we've dealt with many customers that have difficulty obtaing life insurance coverage. We've become experts in dealing with this difficult situations. If it is possible to get a policy, we'll find a way, and we'll find you affordable rates.
If you are a senior, your insurance needs are different than a 40 year old. Make sure to deal with a knowledeable professional that will recommend the ideal policy for your age.
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If you own a business with a partner, it is a good idea to get key man life insurance coverage for both of you.
In case you are a higher risk individual, like a smoker, heavy alchool user, obese, or cancer survivor, we'll work with the life insurance companies to find you the best possible rates.
As always, you should contact a financial professional if you have any questions or doubts about any financial-related issue.
If you are ready to compare life insurance rates, click here for a quote.
Level Term Life Insurance
What is level term life insurance?
As the name implies, the amount of death benefit protection you buy stays the same (level) for the entire term of the policy - usually 10, 20, or 30 years.
For example, if in July 2020 you purchase a 10 year level term life insurance policy with a death benefit of $500,000, and if you die any time before July 2030, your beneficiary or beneficiaries will be paid the entire amount of the policy - in this case, half a million dollars.
This type of policy is unlike decreasing term insurance, in which the death benefit decreases over the policy term period. This type of policy is often used as mortgage life insurance, and we do not recommend it. It is best to get a regular level term life insurance if you want mortgage life insurance protection.
Why obtain level term insurance?
This type of life insurance is the most affordable type you can buy, and most often is the best for most situations.
Here are some examples of the costs of term life insurance:
A 40 year old male in good health, non-smoker, can get a $300,000, 30 year term policy for as little as $35 per month. If he happens to be a smoker, he will pay an extra $90 per month.
A 30 year old woman, smoker, can get a 20 year term, $200,000 policy for about $25 to $30 per month. A 30 year term for $35 to $45 per month.