Life Insurance Quotes from Local Insurance Agents
Let’s face it, families lose loved ones everyday. It is an unfortunate circumstance and people need to make sure their family is protected. InsureMyLife.org provides information how life insurance works, the different types of life insurance and an idea of how much coverage someone should have. They also offer a directory of local life insurance agents.
The need to receive life insurance quotes should be a priority for mothers, fathers, business owners, and many other circumstances. The cost can be very affordable depending on age, situation and needs. What people should know is there are many ways to purchase life insurance, but they mainly fall into two categories - term life insurance and permanent life insurance.
Term insurance is for exactly what it says, a specific term or period of time. This is a temporary type of life insurance. Specifically the protection is for a specific amount of time and pays a benefit only if the insured dies during the time frame. This type of coverage can make sense if one is covering a mortgage or some type of business loan.
Permanent life insurance gives lifelong protection in the event of death. Since this type of life insurance is designed to last a lifetime, permanent life insurance accumulates cash value and is priced to keep over a long period of time.
Some ways people can help lower their life insurance premium is by quitting smoking.
One of the major factors in determining the amount that a person pays every month for his/her life insurance is if he/she is a smoker or not. Research shows that smoking causes more major diseases than any other personal habit. Diseases include: cancers of the lung, mouth, bladder, and throat; heart and lung disease; and strokes.
Its never too late to quit smoking. Half of all people who have ever smoked have quit.
Here are some tips when you are getting ready to quit:
• Pick a date to quit.
• Begin by not smoking in places where you spend a lot of time, such as at home or in the car.
• Get support and encouragement - you may want to join a quit smoking program.
• Talk to your doctor about nicotine replacement products such as gum, patch, nasal spray or inhaler. Research shows that almost everyone can benefit from using these products.
Once you have quit:
• Don’t try even one puff and keep yourself away from all cigarettes.
• If you fail the first time, don’t give up. Keep trying and learn from your experiences.
Quit smoking for you or quit for your family.
We can not say which type of life insurance is right for you, because the kind of coverage needed depends on your circumstance and financial goals. With basic knowledge and understanding of the different life insurance types will help you better understand the life insurance process. More simply, term insurance is for temporary needs.
InsureMyLife.org provides internet users with an easy way to find life insurance quotes from local life insurance agents. Find an agent and receive a free life insurance quote today by visiting http://www.insuremylife.org/life-insurance-quotes.html.
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