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A Smarter Way to Buy Life Insurance
Life Insurance Basics
Online Quotes: Fact or Fiction?
Life Insurance 101
Life Insurance for the Stages of Life
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Life Insurance Medical Exam Tips
Factors That Determine Insurance Rates
Top Life Insurance Myths

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The Life Insurance Quote: The First Step

A Life Insurance Quote is the first step in buying term life insurance. After you have determined that you need life insurance, then the actual buying process begins with the life insurance quote. The life insurance quote provides you with the price information you need to make an informed decision.

You will receive an online life insurance quote simply by entering your age, gender, state of residence and some simple health facts. You will be shown an instant life insurance quote showing the best life insurance companies in the industry, their term insurance rate and the claims paying ability ratings for every life insurance company in your life insurance quote.

A life insurance quote is calculated by Spectrum Direct's powerful life insurance quote engine. The factors taken into consideration are date of birth, gender, whether or not you use or have used tobacco products, height, weight, amount of insurance, your present health, your health history and the term of the life insurance quote.

When we refer to the "term" of the life insurance quote, we are referring to a particular type of life insurance known as term life insurance. A life insurance quote can be for term life insurance or permanent life insurance. Spectrum Direct provides an online life insurance quote instantly. For a permanent life insurance quote, please call us toll free.

The term insurance prices shown in the life insurance quote are for a specified period of time which is referred to as the "term". Often, term insurance is offered as a 10, 15, 20, 25 and 30 year life insurance policy.

If you need life insurance then it's time to view a life insurance quote. Spectrum Direct can provide you with the type of life insurance quote to fit your needs.

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