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Affordable Life Insurance Rate: Term Vs. Whole Life Insurance

There are many reasons why consumers choose to get term life insurance. One big reason is because you can get a cheap life insurance rate on term insurance; you will more likely get an affordable life insurance rate this way than on whole life insurance. Another advantage is that it offers pure coverage without unnecessary benefits. You can save your investment money for securities, and keep your insurance separate.

With over 1,500 insurance companies in the United States, it would be difficult for the average individual to search all of them for an affordable life insurance rate--or even a cheap life insurance rate--and make apples-to-apples comparisons. At Spectrum Direct, we understand your needs. We will take the time and listen to your concerns in order to get you the appropriate type and amount of coverage for you and your loved ones. Then, you will receive an appropriate affordable life insurance rate. No matter what your income level, there is a policy that will meet your needs.

Why an Affordable Insurance Rate Is So Important
One of the most common uses of life insurance death benefits is for funeral expenses. Another is for income replacement, should the major wage earner in the family die. Life insurance benefits can then be invested in a way that produces enough income to help your family meet its income needs. Typically, the benefit funds are used as principal and people live off the dividends it earns.

Lastly, many people begin saving well ahead of time for college funding or other large expenses. If your major wage earner dies, your savings could be in danger. So when calculating how much insurance you will need, take this into consideration. Your specific needs will help determine your affordable insurance rate. These are just some of the reasons people choose to get life insurance. If you die and leave your family behind, will there be enough money to support them? Get your affordable life insurance rate today on our website at

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