Term Life Insurance

Our Term Life Insurance policy quote grants are instant and come right away. With  Edgar Term Life Insurance, you get flexible and swift security that weighs light on the wallet too. We are one of the best term life insurance companies in the USA. EDGAR’s affordable Term Life Insurance is partnered with ETHOS, the name everyone trusts.

EDGAR's Term LIFE Insurance Coverage

Term Life insurance is temporary. It’s like paying rent for the period (“term”) of the lease on an apartment. The period of a Term Life Insurance policy typically is 15, 20, 25 or 30 years. So long as the premium (monthly cost) is paid during the term of the policy the insurance remains in force. If the insured ceases to pay the monthly premium or cost of a term policy or once the Term duration of a policy is reached then the Term Life Insurance policy expires. With term insurance you are basically paying rent.

Flexibility talks. Whether you are starting with 20 grand or a million, we have your insurance security covered for 10 years to 30 years terms. EDGAR Insurance wants its customers to feel motivated and confident when settling with our policies. To bolster the credibility of their choice, a 30-day refund trial will be commenced. During this time, if a customer starts to feel cynical or has second thoughts, may come forth for a 100% refund. EDGAR is one of the top term life insurance companies because we provide affordable term life insurance quotes instantly and online.

Term Life Insurance

Become Familiar with it

You see, the word “term” itself gives away the hint of how Term Insurance works. It is a type of insurance that lasts for a limited period which is set by the insured person. The duration for a term of Insurance can go as high as 40+ years. In case the Insured person meets his/her demise amid active Term insurance, they receive the Death Benefit— a pay-out in the form of a pension, annuity, or life insurance. We consider ourselves to be one of the top term life insurance companies because we provide affordable term life insurance quotes.

EDGAR Term Insurance Serves as a Safety Net for You and Your Loved Ones
In case of a tragedy, our term insurance guarantees financial backup for every loved one who’d get affected by the sudden loss of income
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Edgar Term Insurance Serves as a Safety Net for You and Your Loved Ones
We match extraordinary incentives with affordable price
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Edgar Term Insurance Serves as a Safety Net for You and Your Loved Ones
Term Insurance at EDGAR facilitates you with hassle-free monetary responsibilities only such as loans, credit card debt, new business etc
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EDGAR Term Insurance Serves as a Safety Net for You and Your Loved Ones
No intricacies, only easy-going
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difference between whole life insurance & term life insuance

What distinguishes Term Insurance from Whole Life Insurance

The answer once again lies in the names of the two types of insurances. The term is temporary whereas Whole Life Insurance is planned out to last a person’s entire life. Whole Life Insurances weigh hefty on the wallet just to provide you with the same perks as Term insurances. This is what sets Term insurance apart. It matches the dire need of some Customers who want to layout a safety net for their loved ones without having to pay in excess. At the end of the day, the preferences of every individual can differ.

Let’s assume a case. What would happen after 20 years of your term life insurance?  First of all, these 20 years will start from the day your coverage begins.  If a policyholder dies before the 20 years, the insurance company pays a death benefit to the beneficiaries of the covered person. If the person covered lives for the coverage period, there is no more coverage, and no benefits are paid. 

FAQ's

No, you cannot get cash value benefit in term life insurance. This policy only offers death benefits to the beneficiaries, not cash value accumulations.

No, you don’t get any maturity benefits with term life insurance. But in case of your untimely demise during that term, your nominee will get the death benefits. And if you outlive that period and have a “return of premium rider,” you get all the premiums back that you had paid.

Yes, you can reduce your death benefits by lowering the premium you pay.

Yes, your term life insurance will expire at the end of the contracted period. You determine this period when you purchase the policy.

Our life insurance services include term life insurance to those aged 20-65 and guaranteed issue whole life insurance to those aged 65-85. The length of our term life insurance ranges between 10-30 years.

If you retire and don’t have issues paying bills or making ends meet you likely don’t need life insurance. Although other insurance types like “Final Expense insurance” will e of benefit to you at the age of 60. 

Both Term and Whole life insurances have their benefits and audiences. Before signing up for any of these, please consult us at (786) 432 1229

Putting Faith in Purchasing with Edgar

Coverage You can Settle with

EDGAR Insurance policies are reinforced by the backing of renowned insurance companies such as Legal and General America, Ameritas Life Insurance Corp, Senior Life and TruStage®

Simplified Issue vs Fully Underwritten

The term insurance comes attached with both simplified issues and fully underwritten options. Here’s a brief look at what they are and how they affect you.

Situations where Fully Underwritten is most Beneficial

When you maintain a good health When you are looking for insurance that offers a generous death benefit When you want a simplified and easy-to-do application process

Swift Procedure Completion Time

EDGAR insurance empathizes with its customers on the essence of time. For this integral reason, we cancel out the prerequisite of carrying out medical exams. Thereby, speeding up the online process by a great margin. You need only to fill out a few health questions instead. On rare occasions only will more information be required regarding a person’s medical history.

Policy Refunds

EDGAR Insurance wants its customers to feel motivated and confident when settling with our policies. To bolster the credibility of their choice, a 30-day refund trial will be commenced. During this time, if a customer starts to feel cynical or has second thoughts, may come forth for a 100% refund.

Advice from Specialists

Our entire online insurance procedure has been meticulously designed to save you the time from reaching out to agents; however, if you do feel the need to do so, EDGAR has expert agents hired to assist you in securing insurance best suited to your wants. Our agents are knowledgeable and are not recruited on commission to prevent exploitation.

Simplified Issue

You’ll find the majority of our term policies to be simplified issues. This refers to the decision making of the application process as well as the underwriting decision to come instantly from third-party data. Your answers to all the health-related questions land an impact on the decision too

Situations where Simplified Issue Underwriting is most Beneficial

When you need life insurance, but you are rather unsure about being eligible for a traditionally underwritten policy When you cannot spare the time for taking medical exams When securing life insurance fails due to your health conditions or age

Fully Underwritten

EDGAR sticks to the traditional way too. Fully underwritten involves a complete application along with a medical exam. Our policies come with fully underwritten methods as well. We have of course modernized the method that excludes the taking of a medical exam.