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TermQuote® Services Overview
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Products:
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At TermQuote®
we realize that not everyone needs term life insurance.
Our licensed agents take the time to determine what
products are right for you. We give you the choices
and information so that you can make the right decisions
for you and your family.
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Term Life Insurance
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Term insurance provides a death benefit if the insured dies while the policy
is in force. Term policies can have 1, 5, 10, 15, 20, 25 or 30 year level
premium guarantees. Term insurance generally is the most inexpensive type of
life insurance because there is no cash-value; it provides a death benefit only.
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Universal Life Insurance
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A flexible premium life insurance policy under which the
policyholder may change the death benefit from time to time
(with satisfactory evidence of insurability for increases) and
vary the amount or timing of premium payments. Premiums (less
expense charges) are credited to a policy account from which
mortality charges are deducted and to which interest is credited
at a rate which may change from time to time.
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Long Term Care
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Long Term Care (LTC) is defined as the "health, personal, and social service needs
of a functionally and/or cognitively impaired individual over a long period of time".
Simply put Long Term Care is care given to an individual who is suffering from a long term
chronic illness. A second point to the definition points out Long Term Care is just that.
It's long term.
Functionally impaired means that an individual can no longer perform one or more of
the normal ADLs or Activities of Daily Living such
as eating, bathing, dressing, continence, toileting and transferring.
Cognitive impairment
is easiest to understand when one considers the devastating affects of Alzheimer's disease.
With a cognitive impairment, one could perform the activities of daily living but not be aware
of the surrounding or family members due to the lack of mental capacity.
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Disability Income Protection
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Insurance that pays you an ongoing income if you become disabled and are unable to pursue employment
or business activities. There are limits to how much you can receive based on your pre-disability
earnings. Rates will vary based on occupational duties and length of time in a particular industry.
This kind of coverage has a waiting period before you can begin collecting benefits, usually 60, 90
or 180 days. The benefit paying period also varies from 2 years to age 65. A short waiting period
will cost more that a longer waiting period. As well, a long benefit paying period will cost more
than a short benefit paying period.
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Joint Survivor Life Policies
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A flexible premium life insurance policy under which the policyholder may change the death benefit
from time to time (with satisfactory evidence of insurability for increases) and vary the amount
or timing of premium payments. Premiums (less expense charges) are credited to a policy account
from which mortality charges are deducted and to which interest is credited at a rate which may
change from time to time. The policy is written on two or more persons with benefits usually payable
only at the first death.
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Health Insurance
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Insurance against financial losses resulting from sickness or accidental bodily injury.
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Serving Alabama, Arizona, Arkansas, California, Colorado, Connecticut,
Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky,
Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi,
Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York,
North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota,
Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.
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Circular 230 Disclaimer
In conformity with U.S. Treasury Department Circular 230 the documents contained in this website and
any tax advice contained herein is not intended to be used, and cannot be used, for the purpose of
avoiding penalties that may be imposed under the Internal Revenue Code, nor may any such tax advice
be used to promote, market or recommend to any person any transaction or matter that is the subject
of these documents. The intended recipients of these documents are not subject to any
limitation on the disclosure of the tax treatment or tax structure of any transaction or
matter that is the subject of these documents.
"The opinions set forth in this website are subject to the disclaimer pertaining to IRS Circular
230 set forth herein."
Unless expressly stated otherwise on this website, (1) nothing contained in this website was intended
or written to be used, can be used by any taxpayer, or may be relied upon or used by any taxpayer
for the purposes of avoiding penalties that may be imposed on the taxpayer under the Internal
Revenue Code of 1986, as amended; (2) any written statement contained on this website relating
to any federal tax transaction or matter may not be used by any person to support the promotion
or marketing or to recommend any federal tax transaction or matter; and (3) any taxpayer should
seek advice based on the taxpayer's particular circumstances from an independent tax advisor with
respect to any federal tax transaction or matter contained in this website. No one, without
our express written permission, may use any part of this website in promoting, marketing or
recommending an arrangement relating to any federal tax matter to one or more taxpayers.
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TermQuote®
6768 Loop Road
Dayton, OH 45459-2161
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