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Term Life Information

Frequently Asked Questions



Why should I purchase my term life insurance from 3DQuotes Insurance Services?

3DQuotes Insurance Services gives you the information you need to make your term life insurance decision with confidence. 3DQuotes Insurance Services provides you information on over 175 life insurance companies. You are provided instant term life insurance quotes, an on line insurance application, and an on line 24 hour a day status line. You are given instructions, and competent help to respond to your needs over the net or over the phone.

3DQuotes Insurance Services provides a TOLL FREE telephone number for your convenience ... 1-800-849-0953. It has never been easier to purchase term life insurance. 3DQuotes Insurance Services extraordinary carrier database means more choices for you and you can rest assured that you can purchase for the lowest premiums available.


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Term life insurance defined

Term life insurance is an insurance policy covering a person's life for a specified number of years. It is often offered with a guaranteed premium for a particular number of years. Term life does not have accumulated cash value. Accumulated cash value generally is the distinction between term life insurance and whole life or universal life insurance. Cash value policies are initially much more expensive than term life insurance policies for the same amount of coverage.

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Choosing a term life insurance company

Term life insurance is very much like many common commodities in the market place. It is a product that varies very little from company to company. Generally the biggest difference in the product is the price. So that you can choose between many different companies and see the price difference, we provide you a comparison of approximately 25 of the best rates for your age from America's 175 top-rated companies.

3DQuotes Insurance Services, through the 3dquotes.com website, only quotes from companies with an A.M. Best rating of A- or better. As a result you will be selecting from insurance companies that have been assigned a superior rating of A- or better from the leading independent insurance company rating service... A. M. Best. All you have to do is to decide the amount of life insurance you need and how much you want to pay


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How much life insurance do I need?

3DQuotes Insurance Services understands that each person has individual insurance needs. There is no set rule as to how much insurance you need to purchase. You need to decide how much life insurance you want to leave your dependents to carry on in your absence. You have to decide how much support you wish to provide. Many financial planning experts recommend 10 to 20 times your annual earnings. For business life insurance the amount is often even more. For many the answer is simply the amount makes you feel your family is safe.

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What is Level Rate Guarantee?

A level rate guarantee simply means that your premium will not change for a guaranteed period of time. This period of time generally ranges from 5 to 30 years. 3DQuotes Insurance Services recommends that you purchase a level rate guarantee for the period of time that you intend to keep the policy in force.

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What is the difference between Preferred Plus - Preferred - Standard?

Insurance companies are learning more and more about identifying their risks. Since cancer and cardio vascular diseases are the two leading causes of death which have risks that can be reduced by the individual we notice that insurance companies focus on these risks. According to insurance company guidelines the least risky applicants qualify for Preferred Plus. Preferred is the next least risky followed by Standard. Whether or not you qualify for Preferred Plus or Preferred will depend upon various insurance company underwriting issues. You can review and evaluate the price difference by obtaining quotes for each classification. Insurance companies look at height, weight, blood pressure, cholesterol, family history (relatives dying before 60 of cardio vascular disease or cancer), personal history of cancer, cardio vascular disease, and smoking. For a more detailed guide please click on our Underwriting Guidelines.

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What premium payment options do I have?

3DQuotes Insurance Services, through the 3DQuotes.com website, online quotes are for annual term life insurance premiums. Annual term life insurance premiums are the lowest rates the insurance company offers. However, you may instead pay for your term life insurance premiums on a check-a-matic (monthly), quarterly, or semi-annual basis. These payment options are slightly more expensive than those on an annual basis.

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How long will this take?

The insurance company cannot begin underwriting your policy until you have completed your free medical exam and they have received your signed application. Generally it takes three to four weeks to complete this process. If the insurance company has to get your doctor's records it will generally take 4 to 7 weeks since the insurance company has to depend upon your doctor's promptness in providing them the records they need.

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