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If you are considering buying term life insurance it can be a good idea to ask your existing insurer to provide you with some quotations on what the cost of your insurance policy will be over the years You can then compare the quotes and determine if there is a cheaper term life insurance policy out there or if it is worthwhile continuing with your current cover If you are interested in taking out a term life insurance policy the first thing you should do is consider the type of protection you are looking for While some policies come with universal exclusions which means that they are only going to cover the insured and those within the familys income bracket others are restricted in their exclusions For example there may be certain circumstances where a policy will not cover the insured There are also universal exclusions Universal exclusions may cover the insured for any kind of event that is covered by the policy such as theft or accident However these policies will never cover death that occurs from a disease that was diagnosed within the year prior to the insureds purchase date Universal exclusions may also be limited in their time frames Term life insurance policies on the other hand have no universal exclusions and a broad spectrum of exclusions Term life insurance policies are not limited to the specific years that an insured can purchase insurance A good way to determine how much is term life insurance can be found by asking the insurance company for a quote Most insurance companies offer online quotes on their policies and you can request a quote via email or fax While the process may take longer than the same information can be obtained by contacting the insurance company it is still fairly simple The easiest way to find how much is term life insurance is to contact an insurance broker who works for a number of different insurance providers or through an online broker Insurance brokers generally work as independent contractors to their own insurance companies and are paid a commission on the amount of premiums that they sell An online broker will work with you directly through the insurance company and you will receive a quote directly from the company In some cases you can even apply online and receive quotes from a number of different insurance companies right away This is ideal for individuals who are already familiar with an insurance company but dont know what to ask about when they are looking for the best rates Multiple quotes are better than one By requesting several quotes you can get a better idea of how much term life insurance will cost and you can compare those quotes to see which ones are the cheapest If you want to know how much is term life insurance you should always ask for a quote in writing You never know what the company will say about their policies and if they say something different in their written quote the written quote may be inaccurate Once you receive a quote from the insurance company you need to make sure that you understand all of the terms in the quote For instance most policies do not allow you to increase your premium your premiums if you get an injury have a condition or have a preexisting medical condition You also should not increase your premium if you become pregnant are diagnosed with a heart disease have cancer or have a preexisting condition that affects the way that you breathe Some insurance companies will allow you to decrease your premium if you take part in a defensive driving course However car insurance quotes must explain to the insurance company why you took the course In addition some insurance companies may not allow you to take a defensive driving course if you have a history of driving under the influence of alcohol When looking for life insurance policies you should always check to make sure that your policy does not contain exclusions that prevent you from using certain types of coverage Exclusions will include items such as death benefits loss of income and burial benefits