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The Efinancial Insurance E-Learning Center is committed to educating the insurance-buying public about questions and alternatives for finding the best values in life insurance products and
services. Efinancial provides this information along online quotes from the top rated carriers in the life insurance industry. After visiting the Efinancial learning center, run a sample quote, or call 1-866-765-4296 to speak with
a representative.
This category of articles examines the question:What are the difference in Life Insurance products??
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Differences in Life Insurance Products
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20 Year Term Life Insurance
Are you about to purchase a life insurance policy? Are you confused about how much to buy, what
type to buy and for what term? Wading through the quagmire of insurance jargon can be...
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30 Year Term Insurance
There are many definitions when it comes to life insurance that people are unsure of and term
is one of them. For the most basic of explanations term means...
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Accelerated Death Benefits Explained
It’s good to be prepared because you never know what could happen at any time. Before you buy make sure that an
accelerated death benefits package is on your plan....
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Can Life Insurance be Cancelled Without Penalty?
In most cases there are financial considerations and some of the bills or responsibilities that we have
must take a back seat to the current issue. This is the case when many people will seek to cancel...
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High Risk Life Insurance
Life insurance is an important part of life, and it can be expensive. However, there are things
that do drive up the cost of it, but you can lower it by knowing...
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Why You May be Paying More for Life Insurance than Someone Else your Age
There may be a time when you find out that you are paying more for life insurance
then someone else the same or very close to your age. This can mean that you believe that you are not...
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Second to Die Life Insurance
If you will be leaving a large estate behind you have a lot of decisions to make. This is
common for people who will be leaving...
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Split Dollar Life Insurance
Imagine this scenario. Your parents are both very hardworking and creative people. Instead of going
the route of a steady 9-5 job, they decided on something much more challenging. They decided to create
their own business. Through lots of...
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Purchasing a Waiver of Premium Option for Life Insurance
After you have sifted through the myriad of paperwork, had your physical and have decided on a
company that you think will suit your life insurance needs, you will need to...
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What are Life Settlements?
More and more seniors are finding it difficult to meet the demands of everyday living
expenses, but with life insurance it’s more feasible. If you are having trouble...
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What is Quick Issue Life Insurance?
In life insurance need to know what you’re buying, if you don’t you could pay for something
that you don’t want, or have to answer questions that you didn’t think you had
to. If you want to get insurance fast, you have...
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What is Mortgage Life Insurance?
It is no secret that your home is likely the largest and most expensive purchase you will make
in your entire life. Of course you will also spend the better part of your life
paying for it...
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Premium Financing For Life Insurance
What is premium financing for life insurance?
Premium financing for life insurance is a method to increase your insurance needs by financing the
premiums. This enables individuals, businesses and large companies to...
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Is there a Difference Between Life Assurance and Life Insurance?
The different terms that come with protecting your family in the event that you pass away can
be a bit overwhelming to say the least.
There are so many options currently available in the...
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Life Insurance for Smokers
If you happen to be a smoker and are looking for affordable life insurance, you may soon realize
that high life insurance rates are ...
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Whole Life Insurance
When people begin their search for life insurance, they are bewildered at all the different types
of policies that are available to them. They may be surprised, as well as ...
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All about return of premium
The Returned Premium Term is a Term Life Insurance Policy that has an added
Return of Premium Rider. This rider provides that if the policy is terminated...
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30 Year Term Life Insurance - Going the Distance!
Purchasing a 30 year term life insurance policy is an affordable way to protect
your loved ones in the event of your untimely passing. Term life insurance
monthly premiums are...
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Carrier Spotlight: American General Life Insurance
American General life insurance is available in both term and permanent
policies, and Efinancial can get you a great rate on either....
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Online Life Insurance Quotes For Smokers
Just because you smoke or chew tobacco doesn't mean that you are automatically
going to pay astronomical rates for life insurance coverage. Indeed, carriers
discriminate among various types of smokers. If you've been...
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Just What Is Decreasing Term Life Insurance?
With ordinary term life insurance, the death benefit (also known as the amount
of coverage) remains the same for the length of the term. If a person purchased
a traditional term life insurance policy for...
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Not the Same: Difference Between Term And Whole Life Insurance
Perhaps the easiest way to understand the difference between term and whole life
insurance is to compare it to the difference between renting an apartment and
owning a home. Whether you ...
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A Level-Headed Idea - Guaranteed Term Life Insurance
Calculating the amount of guaranteed term life insurance coverage you will need
can be a tricky business. Many people mistakenly underestimate the amount of
coverage they require. Instead of ...
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Getting Instant Term Life Insurance
Most of the term life insurance plans offered through Efinancial can be obtained
very, very quickly--but not instantly. One exception is the RBC Express
TERM™ life insurance plan offered ...
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Don't Blink: Instant Term Life Insurance Quotes
Since opening for business more than five years ago, respected online brokerage
Efinancial has helped many people just like you to obtain instant term life
insurance quotes. These life insurance quotes are...
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Steady As She Goes: Level Term Life Insurance
As its name implies, a level term life insurance plan provides its owner with
level premiums. When you buy a guaranteed level term life insurance plan
through Efinancial, the premiums will...
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Term Vs Whole Life Insurance, Different by Design
On the one hand, term life insurance sounds appealing. You can benefit from low
premiums, enjoy a tax-deferred account through a return premium program, and
transfer or convert your term policy into a permanent policy in several years.
On the other hand, you..
able to...
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FYI: Return Of Premium Term Life Insurance
In other words, you get tax deferred savings and a hedge against future
financial insecurities when you opt for a return of premium policy. To learn more...
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Important Safeguards: Smokers Term Life Insurance
You've tried to quit smoking, but hypnosis, psychotherapy, nicotine patches, and
other training mechanisms simply haven't been working. Now, you are faced with
the specter of extremely exorbitant life insurance premiums or ...
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By the Book: Term Life Insurance Definition
A term life insurance package offers death benefits to family and loved ones of
an insured. The policyholder stipulates the term of the contract
initially--terms can last up to 30 years or...
to...
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Your Virtual Kiosk- Term Life Insurance Information
You are stockpiling quality term life insurance information to make a more
judicious choice for your family's future welfare. Compare term life policies
with whole life, universal life, variable universal life, and other permanent
policies with ...
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Compare Term Life Insurance Rates
There are a number of reasons why you might want to consider checking out term
life insurance rates through Efinancial.com, not the least of which is the fact
that this...
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Instant Answers - What are the types of Life Insurance?
Learn about the attributes and limits of term
life coverage, which include set periods of protection, low rates (on average),
and the ability to convert to whole life packages. Explore the conservative
whole life investment alternative...
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Insurance Terms & Definitions
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Frequently Asked Questions
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