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Welcome to Oregon Term Broker, Oregon'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.
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.
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.
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?
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.
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.
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.
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.
The best way to save money when you're shopping for temr life insurance is to:
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.
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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