Oregon
Term Broker
Oregon's Life Insurance Experts

Call 503-828-1970

For a free consultation and risk assesment

Serving all of Oregon with free life insurance quotes and personalized assistance. Oregon Term Broker is owned by Portland Benefits Group
(Toll free) 1-888-244-2805
dtaxer@portlandbenefitsgroup.com

Oregon Term Broker- Oregon Term Life Insurance Experts 

Affordable Term Life Insurance Options for Oregonians & Our Neighbors

Need help finding top-rated affordable life insurance? Oregon Term Broker's assistance is free to the consumer. We are located in Oregon and are the most knowledgable resource for life insurance in the Northwest.

Get instant quotes from over 60 top insurance companies right from this webpage. Just fill out the form below and you can see all of your life insurance options.

After that, click "Request Application" and we will send you the paper or electronic application as per the company and policy you've chosen. 

For questions about medical underwriting call or email us and we will assist you. There is nothing we do not know about life insurance or cannot find the answer to!

Local Phone #: 503-828-1970 Toll Free #: 1-888-244-2805.

A Licensed Oregon Term Broker agent will be available to answer all your questions. We serve clients nationwide but are proud to be based in Oregon!

All Information Submitted through this website and quote links is Private
And Will Never Be Sold Or Shared With Third Parties .

TO GET LIFE INSURANCE COMPARISON QUOTES FROM ALL AVAILABLE INSURANCE COMPANIES IN YOUR AREA JUST FILL OUT THE FORM ABOVE TO GET INSTANT QUOTES FROM OVER 90 LIFE INSURANCE COMPANIES, THEN REQUEST AN APPLICATION FROM THE QUOTE PAGE

"A Licensed Agent Will Personally Contact You Within 24hrs Of Requesting An Application...After Filling In The Form Below Click Compare Now And On The Next Page Which Is The Rate Comparison Page Click Request Application... It's As Simple As That..."



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Oregon Term Broker David M. Taxer Will Answer Your Questions

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Welcome to  Oregon Term BrokerOregon's leading life insurance agency. We can help you quote and apply for term life insurance, permanent life insurance, and non-medical life insurance from all of the major life insurers. We work with all A-rated life insurance companies like Lincoln Financial, Banner Life, Fidelity Life, Reliastar, American General, Genworth, TransAmerica, and over 60 others.

coverage for your loved ones

Life Insurance Quotes Go HERE


Term Life Insurance: My Personal Experience

Life Insurance is a product you can't hold in your hands, can't drive, fly, or live in, but it is one of the most powerful products a person can buy for their family. When I was 27 I saw exactly what life insurance does and is for. At that time, my mother was diagnosed with colon cancer in her late 50's.

My father took time off to spend time with her. She had worked from home and did so as long as she could but eventually resigned. She and my father both had significant debt. They owned a farm and a beach cabin and both were mortgaged.

Before she got sick, my mother had purchased around $750,000 in term life insurance and this allowed my father to literally keep the farm, have a huge celebration of life for his life-long wife and rebuild his life as well.

Having written my personal life insurance observation, I want to be clear that not everyone may need life insurance. Many folks have life insurance and don't need it. However, there are far more people who do need life insurance and don't have it, have the wrong kind or have too little to accomplish their intended goals of preserving their family's stability.

Who Needs Life Insurance?

If people depend on your income, then you need to have life insurance. The reason is simple. If you die your income vanishes, and the people who depend on you will become financially desperate unless you have insurance. It's that simple.

Why is Life Insurance the best way to protect my family?

Once you buy a life insurance policy your family's standard of living is protected. Term Life Insurance is inexpensive and covers you with the full amount purchased the moment you buy the insurance. How else can you guarantee that your family can stay where they live, keep the kids in school, and keep food on the table if you're not here?

How term insurance protects your family

Having enough life life insurance is the least expensive and most effective way to replace your income if you aren’t around tomorrow. When a person with life insurance dies their insurance company pays their family a large lump sum. The survivors then invest that money to create the monthly income they need.

As I said, there is no other way to instantly guarantee that your family will be taken care of should something happen to you.  That’s why life insurance is so important.

Why is term life insurance better than other types of life insurance?

There are two main types of life insurance; term and permanent life insurance.  Term life insurance is less than half the cost of permanent life insurance and sometimes the price differences are more drastic than that. The reason is because term lifei nsurance is like most other standard types of insurance. You keep the coverage for as long as you pay the premium and when you stop the coverage ends.

Permanent life insurance such as whole life and universal life are very different.  These policies cost much more money because a percentage of the premium goes into an account and is invested for you.  The goal of these policies is that eventually the growth account becomes large enough to fund the policy on it's own. The problem is that most insurance companies charge tremendous fees on these types of policies.

How Does Term Life Insurance Work?

You buy term life insurance for a time period such as 10, 20, or 30 years. During that period the premiums stay the same and so does the death benefit. The premiums can't be changed if your health fails, which is a good thing. After the period of time is over you don't make anymore payments and the coverage stops.

Most people buy term life insurance policies that last as long as they plan to work. By that time most people's debts and obligations have decreased to the point that they don't need insurance after that time, or need far less coverage than before.

What are the disadvantages of term life insurance?

The one problem people have with term life insruance is that at the end of the term you have nothing to show for it if you are still alive. It's true but term lifei nsurance is still far less expensive than permanent insurance if you work out the numbers.

How To Buy Term Life Insurance and save a lot of money

The best way to save money when you're shopping for temr life insurance is to:

  1. Know exactly how much coverage you need
  2. Know how long you will need the insurance

Having the right amount of coverage for the right amount of time means you are only paying for what you need. Taking a few minutes to go over these two points has saved my clients thousands of dollars by preventing waste. You can address these questions yourself or contact our office for help.

Once you have identified your life insurance needs, you need quotes. If you are healthy then it is easy to find cheap life insurance quotes. Your cost will depend on your medical history and situation. If you have a health condition then it is best to speak with a broker.

The Bottom Line On Term Life Insurance

If people depend on your income, you're going to feel a lot better if you take two minutes to get a quote right now. It only takes two minutes. There is no obligation and all information submitted is private. This is the first step towards protecting your family's financial future no matter what happens to you. Please take two minutes now and get your quote. You'll be shocked how affordable term life insurance really is.

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Oregon Term Broker Life Insurance Articles:

Life Insurance With No Physical Exam -Article on how to get life insurance that does not require a physical. Coverage like this is decided based on an instant medical claims history check. Coverage can be issued as quickly as the next day

Affordable Oregon Term Life Insurance Quotes - How to Get Affordable Life Insurance in Oregon.

Oregon Critical Illness Insurance - Information on Critical Illness Coverage

Oregon Term Broker provides life insurance quotes and consulations in the following Oregon areas:

PDX metro area:

Beaverton, Clackamas, Gresham, Hillsboro, Lake Oswego, Milwaukee, Oregon City, Portland, Tigard, Tualatin, West Linn, Wilsonville

Surrounding area: Banks, Barlow, Camas, Canby, Clatskanie, Coumbia City, Cornelius, Forest Grove, Gaston, Happy Valley, Marquam, McMinnville, Molalla, North Plains, Raineer, Sandy, Scapoose, St. Helens, Troutdale, Vernonia

Willamette Valley Area:

Albany, Alsea, Amity, Aurora, Aumsville, Aurora, Brownsville, Brooks, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

Southern Oregon:

Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla 

Oregon Coast Area:

Astoria, Lincoln City, Newport, Bay City, Beaver, Cannon Beach, Depoe Bay, Dunes City, Florence, Garibaldi, Gearhart, Gleneden Beach, Hebo, , Manzanita, Neahkahnie, Nehalem Mapleton, North Coast Otter Rock,Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler Central Coast  Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats South Coast Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach, Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn

Oregon Area:

CITIES: Adel, Adrian, Brightwood, Burns, Camp Sherman, Cascade Locks, Cascadia, Chemult, Chiloquin, Crescent, Crescent Lake, Detroit, Diamond, Diamond Lake, Drew, Drewsey,Estacada, Frenchglen, Fort Klamath, Gates, Gilchrist, Government Camp, Hines, Idanha, Jordan Valley, Juntura, Klamath Agency, Lakeview, McKenzie Bridge, Mill City, North Umpqua, Nyssa, Oakridge, Ontario, Plush, Prospect, Rhododendron, Sandy, Warm Springs, Welches, Westfir, Zigzag AREAS: Crater Lake National Park, Deshutes National Forest, Fremont National Forest, Mount Hood National Forest, Rogue River National Forest, The Three Sisters, Umpqua National Forest, Vale Willamette National Forest, Winema National Forest

Central Oregon Areas: 

Antelope, Arlington, Bend, Brothers, Condon, Culver, Dufur, Fossil, Grass Valley, Hampton, La Pine, Lonerock, Madras, Maupin, Metolius, Mitchell, Moro, Mosier, Paulina, Post, Prineville, Redmond, Rowena, Rufus, Shaniko, Spray, Sisters, Sunriver, The Dalles, Wasco

North-east Oregon service area: 

Adams, Arlington, Athena, Baker City, Boardman, Canyon City, Condon, Cove, Dayville, Echo, Elgin, Enterprise, Fossil, Greenhorn, Haines, Halfway, Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day, Joseph, La Grande, Lexington, Long Creek, Lostine, Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow, Pendleton, Pilot Rock, Prairie City, Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity, Wallowa, Weston AREAS:  Hell's Canyon
 

Oregon Life Insurance Quotes Go HERE

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