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At NISONA, National Insurance Services of North America we are committed to making it as easy and convenient as possible for you to purchase affordable term life insurance from top rated companies.
Instantly compare affordable term life quotes from hundreds of the America's best term life insurance carries that offers term life insurance policies.. Our accurate term life quotes online search engine, will provide you with the most competitive, and most accurate rates in the country.
Once you receive your quotes you may request to receive Carrier Specific "Term Life Application Forms Online." You will also receive policy illustrations and carrier rating information, so you can rest assure you have made the right choice.
You may also contact us and speak with one of our licensed professionals
Choosing An Insurance Plan That's Right For You
Buying term life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security of your family that only life insurance can provide. Among its many uses, term life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household.
Choosing a term life insurance product is an important decision, but it often can be complicated. As with any other major purchase, it is important that you understand your needs and the options available to you.
Affordable Term life insurance covers you for a specified term (from 5 to 30 years, in most cases). If you die within the term, your beneficiary receives the stated death benefit of the policy. For example, when you purchase a 20 year 250,000 term life insurance policy, whether you die in year two or year nineteen, your beneficiary still receives the same amount; $250,000.
If you are still living at the end of the term, protection ceases unless you renew your policy. There is no "accumulation" element, or cash value with term insurance. New term insurance policies offered just in the last couple of years do offer a ROP return of premium feature.
What is ROP Return Of Premium
Return-Of-Premium (ROP Term) is aimed right at one of the greatest Florida consumer objections to regular term life insurance: “I am probably not going to die, and my money will have been wasted." With ROP Term you do not have to feel like you have wasted your money if you are still alive at the end of the term of the policy. Unlike regular term life insurance , return of premium (ROP) term rewards you for living by offering a guaranteed return of your total cumulative premium paid on the policy during the level term period, not including substandard and rider charges, The premiums will be paid to the policy owner at the end of the level term period provided the policy is then in force.
Example: Male, 35 preferred plus, 500K 30 year term: Annual premium = $810, Return of Premium after 30 years = $24,300 ($810 x 30yr = $24,300) Income Tax Free, because the premiums you paid is after tax dollars.
To begin comparing your term life quotes Instantly you can compare quotes from America's top rated companies. Compare and Save! Our licensed professionals are available to help you through every step of the process and beyond. Call us today! 1-888-5NisonA (1-888-564-7662)
At National Insurance Services of North America (NISONA) we provide instant Florida term life quotes, and Affordable Florida health insurance quotes for individual, families, and small groups in Florida. Life, medical, and Health Savings Account quotes are available online, try our free service, or call us toll free at 888-564-7662.
Life Insurance Quotes available in all Florida Counties
Alachua
Baker Bay Bradford Brevard Melbourne Palm Bay Broward Hollywood Calhoun Charlotte Citrus Clay
Collier Columbia DeSoto Dixie Duval Escambia County Flagler
Franklin
Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Hernando Highlands
Hillsborough Holmes Indian River County Vero Beach Sebastian Jackson Jefferson Lafayette Lake County
Lee Leon Levy Liberty
Madison Manatee Marion Martin Miami-Dade Monroe Nassau Okaloosa Okeechobee Orange Osceola
Palm Beach Pasco
Pinellas
Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwannee Taylor
Union Volusia Wakulla Walton Washington
At National Insurance Services of North America (NISONA)we are 100% committed to your total satisfaction. This means Accurate term life insurance quotes, Affordable Florida health insurance quotes, all accessible 24/7, in addition to straight forward information from our licensed agents, and attentive customer service. We are currently licensed and insured to conduct business in the following States.
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