Welcome to Mighty Term

Tired of shopping for life insurance? Well you came to the right place. At Mighty Term insurance, we shop through all the top rated insurance companies to find you the best term life insurance policy.

Need insurance today, been declined for life insurance in the past, or don’t want to take a life insurance medical exam? If you answered yes, then ask about the life insurance NO MEDICAL EXAM policy. (Available in most states)

A licensed insurance agent will compare term insurance rates from top life insurance companies. Metlife, New York Life, Prudential, John Hancock, ING, TransAmerica, and Mutual of Omaha are some of the insurance companies used by the insurance agents.

How do I get life insurance?

1. Fill out the Free Quote request form.
2. A local licensed insurance agent will contact you to discuss all available options.
3. You and the agent fill out an application for the appropriate company.
4. If required you take a medical exam.
5. The application will be reviewed by an underwriter from the insurance company.
6. Finally your agent will contact you with the underwriter's decision.

Don’t be fooled by instant online insurance quotes or direct mail advertisements. Cheap insurance is not always the best insurance. Keep this in mind.

With so many different insurance companies out on the market today and several life insurance products available, it can be overwhelming trying to find the best term insurance product. It is critical that you talk with a licensed insurance agent today.

Why Should I Buy Life Insurance?

Life insurance can give you peace of mind and give your loved ones financial security should you prematurely die. A life insurance policy can be used to cover funeral costs and to pay off debts. It can provide your loved ones with a replacement income after losing your earnings, and it can ensure your loved ones are able to maintain the standard of living they are accustomed to.

Term life insurance is a good choice if you need a large dollar value policy for a short period of time at the lowest cost. Some life insurance companies even have a term life product that will return all your premiums paid into the policy if you outlive the policy. That’s right! At the end of the guaranteed term (policy anniversary date), all premiums will be paid back minus any loans or benefits used. So if you don’t use the insurance, it cost you nothing. This product is called the Return of Premium (ROP). Don’t forget to ask the life insurance agent about this "HOT" product!

What about your ability to earn an income… This is one of your most important assets! Don’t forget to ask about the disability income rider. Some companies offer monthly disability benefits payable to you upon an injury or illness. Don’t get stuck reaching into your retirement fund, emergency fund or even your children’s college savings. Disability income can help pay your monthly bills if you can't.

So choose the term life insurance product that’s right for your situation. Fill out the “Request a Free Quote” box above and be one step closer to financial security today!

For years people have debated over whether term or whole life insurance provides you the better insurance benefit. Although both types of policies have their positives, it would seem that by far term insurance offers you the best value.

First, term insurance is extremely affordable. Because of this affordability, term insurance allows you to purchase a much larger face amount of coverage than a whole life policy for the same dollar amount of premium. This larger benefit amount with term could mean the difference between your family keeping their home, your children attending college, or your business being saved. 

Whole life insurance is much more expensive than term because part of each premium is put into a "savings" portion. Unfortunately, most policyholders don't even break even on this cash value until they've owned the policy for twelve years. And, some estimate that you don't really see a reasonable yield on this cash until the 20th year.

So why pay more? 

Knowing what type of life insurance to buy is important because obtaining the right type of coverage has the potential to affect your entire financial plan.

Term life insurance is easy to understand, and easy to purchase. You can obtain a free term life insurance quote right here. By requesting a quote above, you will soon know how quickly and inexpensively you can protect your family and your peace of mind.