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What Is Term Life Insurance?
It Cares For Your Family If Something Should Happen
Term Life insurance is generally the least expensive and least complicated type of life insurance. It provides insurance protection at a low cost and has premiums that remain level over a specified period of time such as 5, 10, 15, 20, 25 or 30 years. After the initial level period expires, the annual premium increases each year, subject to a guaranteed maximum. If you die within the term period, a death benefit is paid to your beneficiary. If you are still living at the end of the term, protection ceases unless the policy is renewed. There is no "accumulation" element, or cash value with term insurance. Many term life insurance plans can be converted to permanent life insurance plans without evidence of insurability.
In general, term life insurance is suitable when your life insurance needs are temporary or your life insurance needs are long-term but your budget does not permit the higher premiums of permanent life insurance.
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We offer individual and family health insurance in Texas as well as Texas small group health insurance and Texas small business health insurance.
REV 12/02
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Selected Benefits, Inc.
Steven Wendlandt - Licensed Agent
3000 Weslayan, Suite 273 Houston, Texas 77027
Houston Metro: (713) 621-1440 - Toll Free Phone: (866) 270-6209 - Toll Free Fax (877) 718-8056
e-mail: info@selectedbenefits.com
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Offering individual and family health insurance in Texas as well as Texas small group health insurance and Texas small business health insurance.
Selected Benefits does not offer to sell, nor solicit an offer to buy any health insurance, life insurance or any other insurance product in any jurisdiction in which the agent is not authorized to do business or the product is not approved. Specific product availability will vary by state. Health insurance currently offered in Texas & Illinois only.
Texas and Illinois Health Insurance may be issued by one of the following companies: Aetna, American Medical Security, American National Life Insurance Company, Blue Cross Blue Shelid, Fortis/Assurant Insurance Company, Golden Rule Insurance Company, Humana, United American Insurance Company, United Healthcare Insurance Company, UniCare Health & Life Insurance Company & World Insurance Company.
With Aetna, If you've had any prior creditable "group" OR "individual" health insurance coverage within the last 18 months with less than a 63 day break in coverage, they will waive the pre-existing condition limitation for the length of time you were insured by the creditable coverage (Credit for time served). UniCare functions in the same capacity, except creditable coverage is defined only as "group" coverage.
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