Are term life insurance policies worth the money?

This question was posed by AMomBlog on Twitter today and I wanted to touch base on the subject. I do believe that term life insurance policies are worth the money (depending on your individual situation) and this is why:

1. Term life insurance is the most affordable life insurance policy out there.
2. With tough economic times term life is probably the easiest and most affordable policy you can get to protect your family.
3. Term life is very easy to obtain. There are many websites including our own, America Direct, that have an easy online quote form. You simply fill it out and hit submit and within seconds you are brought to a page that allows you to look through different carrier offerings along with pricing for comparison. Once you’ve looked through those a knowledgeable agent will give you a call within 24 hours of submitting to help you complete the process of actually obtaining the policy.
4. In some cases you may be able to obtain a policy in 24 to 48 hours with our Rapid Approval policy or our Hybrid Life offering.

It all comes down to what exactly you want to utilize the policy for. Some questions to ask yourself before obtaining a policy could be:

1. Do I have children that will need this money in case something happens to me?
2. Do I have a spouse that will need this money?
3. Do I have a mortgage & bills that need to be taken care of?
4. Does my family have enough to cover my final expenses?

If you don’t have family (spouse/children) that rely on you for their livelihood and income then you may not need a life insurance policy. To learn more check out our website, do some research and speak with a knowledgeable agent.
Author: Christine Wandt, Internet Marketing Specialist