Insurance Quote Services. Term Life Insurance.

Insurance Quote Services

We make the term life insurance selection process easy, quick, and affordable.

Every life insurance company treats risk differently. Our advanced online term life insurance quoting engine takes these differences into account, giving you personalized quotes based on your health profile. Once you find a policy that fits your needs and risk profile, you can request an application on line.

Plus...

As an added value to our visitors, free insurance quotes are available for:

• Health Insurance
• Disability Insurance
• Long Term Care Insurance
• International Insurance (Travel, Health, and Life Coverage)

International Life Insurance -
IC+ International Term Life Insurance: Life insurance for US citizens residing permanently abroad and non-US citizens living in most parts of the world, excluding the US.

International Health Insurance -
International Citizen Series: Annually renewable, major medical insurance for individuals and families. US citizens outside the US and non-US citizens anywhere including their home country, the US or third countries.

International Travel Insurance -
Atlas Series International Travel Insurance: Travel insurance for US and non-US Citizens traveling outside their home country for 15 days through one year.


Long Term Care Insurance is a type of insurance coverage that is designed to help the insured pay for long term care expenses (resulting from chronic illnesses lasting a year or more) when they arise. Long term care insurance is not health insurance coverage. AccuTerm is a provider of long term care insurance quotes from some of the most competitive insurance providers in the country. Long term care insurance is becoming an essential part of any financial plan with the aging of the American population. Our agents can help you save money on long term care insurance premiums for you or your parents!

Life Insurance Definitions

Beneficiary
The person(s) named in the policy to receive the life insurance proceeds upon the death of the insured.

Cash (Surrender) Value
The amount that is available in cash for loans and that may be available for withdrawals. Accessing Cash Surrender Value may reduce the death benefit and may increase the risk of lapse.

Convertible Term Insurance
Term insurance which can be exchanged (converted), at the option of the policyowner and without evidence of insurability, for a permanent insurance policy.

Face Amount
The amount stated on the face of the policy that will be paid in case of death. It does not include additional amounts payable under accidental death or other special provisions, or acquired through the application of policy dividends.

Insurability
Acceptability to the company of an applicant for insurance.

Insured or Insured Life
The person on whose life the policy is issued.

Level Premium (Life Insurance)
Life insurance for which the premium remains the same from year to year. The premium is normally more than the actual cost of protection during the earlier years of the policy and less than the actual cost in the later years. The building of a reserve is a natural result of level premiums. The payments in the early years, together with the interest that is to be earned, serves to balance out the underpayment of the later years.

Loan (Policy Loan)
A loan made by a life insurance company from its general funds to a policyowner on the security of the cash value of a policy.

Paid-up Insurance
Insurance that will remain in force with no need to pay additional premiums.

Participating Policy

A life insurance policy that is eligible for the payment of dividends by the insurer (see also Dividend.)

Permanent (Life Insurance)
Any form of life insurance except term; generally insurance that builds up a cash value, such as whole life.

Policyowner
The person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation.

Premiums
Payments to the insurance company to buy a policy and to keep it in force.

Renewable Term Insurance
Term insurance which can be renewed at the end of the term, at the option of the policyowner and without evidence of insurability, for a limited number of successive terms. The rates generally increase at each renewal as the age of the insured increases.

Term Insurance
Term life insurance is life insurance coverage at a guaranteed rate for a specified period of time. (Example: 30 year level term would guarantee a level premium for 30 years based on a specified death benefit). Term life insurance is usually the least expensive form of life coverage.