Because it is the simplest form of life insurance, term can be the easiest to shop and compare. But you should still ask yourself and the agent a lot of questions. Here are things to consider about a term life insurance quote:

1. How much will you need?

2. Will your family need more support if you die pass away soon, and less if you pass away later? Many companies can quote you options with decreasing benefits.

3. How long will you want the policy to cover you? For example, the length of the term might be just one year or five years, 10, 15, or 20 years, or to age 100.

Here are some other items to keep in mind when considering a term life insurance quote:

• How do annual premiums compare for different policies?

• Are policy fees are built into the premium?

• Is the policy renewable?

• Is it convertible to whole life, regardless of your health at that time?

• Are participating policies available (potential for dividends)?

The content on this page was edited based on source material from the Washington State Office of the Insurance Commissioner and the Ohio Department of Insurance.

The answer on this page was edited based on source material from the Ohio Dept. of Ins. These pages are no longer being updated. --Webmaster

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