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Term Life Insurance to Suit a Variety of Needs

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By: Kade Phillips, contributing writer at

Term life insurance is the most frequently purchased type of life insurance and also the most affordable.  Before you purchase life insurance it's a good idea to determine your insurance needs. Why do you need to purchase term life insurance?  When does it make sense to have insurance coverage for your family, yourself or your spouse?

There are three major life events that often drive the desire to purchase life insurance. Since insurance is an expense, short sighted people may try to ignore their need for life insurance coverage, a bad idea. Term life insurance covers the insured for a period of time, terms of 5, 10, 15, 20 and 25 years are usually available.  You will only pay for the insurance during the time period it covers and if the insured passes away during the term of the insurance their survivors will receive the full amount of coverage as a payout.

This means term insurance makes sense for businesses and individuals who are looking for coverage over a time period. It is often used to protect young families from the death of a major wage earner. It can also be appropriate for companies who need to insure important employees or secure a loan.

Information on term life and other insurance products is easy to find on our site,   and through a consultation with our insurance professionals. Spectrum Direct believes that you cannot make an informed decision about life insurance unless you understand your options, and the ways that insurance can work for you. We are your partner in the process of shopping for and obtaining insurance. Spectrum Direct's tools and resources can ensure that you get the best rates on your term life policy.

Kade Phillips is a contributing writer at
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