Low-Cost-Term-Life-InsuranceLow cost term life insurance is easy to attain when you utilize an independent life insurance broker like Goldsmith Insurance Agency. We have access to over 75 of the nation’s top rated life insurance companies such as Banner Life and that correlates to providing you the best possible rates with the best life insurance companies. If you are in the market for life insurance and came here wanting free quotes please fill out the request form on the side of the page and a licensed agent will contact you for a personalized quote. If you have looked into State Farm Life Insurance quotes, please review all of your options before deciding to go with them.

Low cost term life insurance is not whole life:

To make sure you understand the difference between term life and whole life, here is a simple analogy. Term life insurance is the most affordable because it has a shelf life. We tell consumers that low cost term life insurance is like renting coverage, it covers a set period of time (ten to thirty years), and the longer the term length the more expensive. Term life is also easy to understand, there are no moving parts, it’s just a guaranteed payment for a specific term length.

Permanent or whole life insurance is a policy that has a fixed premium for life, its more expensive (usually 3-5x more) and so most people when shopping for low cost life insurance are looking for term life to cover a specific period of time.

Shopping for low cost term life insurance:

All the low cost term life insurance companies publish their rates, so they are right out in the open for everyone to see. This allows for fair competition, keeps the carriers honest, and puts the consumer in control to find the best rates. Here at Goldsmith Insurance Agency we compare all these companies side by side to provide you with the lowest possible rates. Do not allow health issues to hinder you from seeking a life insurance policy, there are companies that offer affordable life insurance for smokers or a no medical exam policy at a little higher rate to make sure that you get coverage!

The most important aspect is you the customer finds the best possible price with the highest rated company. Our job is to help you find low cost term life insurance.  If you would like a no obligation low cost term life insurance quote, please don’t hesitate to contact us. Remember, as an independent life insurance agency, we work for YOU and not any life insurance company.  We’ll provide you with the best life insurance rates available.