Term Life Insurance

If you would ask me to review local insurance companies, I cannot. Although I have been an insurance agent before, I am no longer updated with term life insurance rates. Good thing that that there are online sites that offers insurance quotes minus the hassle. They have a very comprehensive online system to help the clients decide what is the right term life insurance for them.

But what is Term Life Insurance?

Term Life Insurance is the lowest priced insurance on the market. It is a life insurance which provides coverage for a period of time. It can be for 5 years or even for 30 years. This is very useful for people who needs to be insured for a specific time, like those who wants to purchase a home.


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75 Responses to Term Life Insurance
  1. Sherry
    March 13, 2010 | 9:28 am

    I don’t have health insurance when comes to insurance, so expensive as they depend on your age for the fees.

    • niko
      March 15, 2010 | 2:23 pm

      yes it expensive but its a wise move to have insurance at this early.. some says its their investment! :)

      • Sherry
        March 15, 2010 | 8:16 pm

        yeah I am in 30s now no interest to take up any since work not much money

        • niko
          March 16, 2010 | 10:54 am

          oh thats bad..

          • Sherry
            March 16, 2010 | 7:00 pm

            yeah life insurance for me will cost like USD$100 or more

            • niko
              March 18, 2010 | 11:30 am

              is that tha annual cost already?

              • Sherry
                March 18, 2010 | 12:37 pm

                no niko, thats quarter of year

  2. Sherry
    March 13, 2010 | 9:29 am

    I cannot afford to pay insurance for my health its better I save some of the money for health

    • niko
      March 15, 2010 | 2:24 pm

      aw i understand.. invest in your health now.. eat the right food, sleep and exercise – - high five to that :)

      • Sherry
        March 15, 2010 | 8:17 pm

        thanks for the advice :D

        • niko
          March 16, 2010 | 10:54 am

          your welcome. i hardly follow them too lol

          • niko
            March 16, 2010 | 10:55 am

            wrong spelling wrong haha. your ba o you’re lol hahhaaha

            • Sherry
              March 16, 2010 | 7:05 pm

              no problem I also error sometimes

          • Sherry
            March 16, 2010 | 7:01 pm

            my dad just call me say I am getting fat.

            • niko
              March 18, 2010 | 11:31 am

              hahahaah foolish daddy!! hehehe

              • Sherry
                March 18, 2010 | 12:38 pm

                even my bro worry me.. if I walk many steps of staircase I am very tired

  3. genejosh
    March 14, 2010 | 7:46 am

    if its online marce, could we Filipinos avail for it?

    • niko
      March 15, 2010 | 2:24 pm

      i hope so..

    • Sherry
      March 15, 2010 | 8:18 pm

      if not now, maybe in future will have

      • niko
        March 16, 2010 | 10:55 am

        sherry thats for sure!

        • Sherry
          March 16, 2010 | 7:01 pm

          so we just wait and see like some country they have pet insurance here dont have

          • niko
            March 18, 2010 | 11:31 am

            ow pet insurance is rampant in US!

            • Sherry
              March 18, 2010 | 12:38 pm

              I think there is pet insurance in australia

  4. genejosh
    March 14, 2010 | 7:47 am

    the school pays for our health insurance via deduction sa salary namin about 750 baht per month

    • niko
      March 15, 2010 | 2:24 pm

      how much is 750baht in peso marce?

    • Sherry
      March 15, 2010 | 8:19 pm

      yeah I want to know as in USD price.

      • niko
        March 16, 2010 | 10:56 am

        i think marce gene shld be here right now :)

        • Sherry
          March 16, 2010 | 7:02 pm

          insurance is important when it comes to emergency

          • niko
            March 18, 2010 | 11:31 am

            yeah esp for our loved ones

            • Sherry
              March 18, 2010 | 12:39 pm

              sometime cash not enough we got to use for the groceries. so we always think we can pay that later

  5. genejosh
    March 14, 2010 | 7:48 am

    but there were changes last year, I couldn’t renew na daw and malabo explanation nila why?…it sucks when you live in a country that cannot speak English:(

    • niko
      March 15, 2010 | 2:25 pm

      ha? edi wla na kayo insurance from the school?? that’s too bad!!

    • Sherry
      March 15, 2010 | 8:20 pm

      yeah some country can speak english just not want to say to stranger.

      • niko
        March 16, 2010 | 10:56 am

        :) i hope i get it right.. but here in the philippines they say english is our 2nd language :D i hope its true lol

        • Sherry
          March 16, 2010 | 7:05 pm

          hehe.. here I can speak several language chinese got cantonese and mandarin.

          • niko
            March 18, 2010 | 11:32 am

            ow so u are bilingual sherry!! i envy you!

            • Sherry
              March 18, 2010 | 12:40 pm

              I hope to learn more but other language will cost money to learn

          • niko
            March 18, 2010 | 11:32 am

            oppps i mean multi lingual :)

            • Sherry
              March 18, 2010 | 12:41 pm

              how many language you know?

  6. genejosh
    March 14, 2010 | 7:48 am

    what we have now is the Philippine Health Insurance…I’m interested with this term life insurance

    • niko
      March 15, 2010 | 2:26 pm

      philhealth is mandatory hir in the phils mare.. buti n lng meron rin kayo jan..

    • Sherry
      March 15, 2010 | 8:22 pm

      I just worry life insurance you will need to pay forever but what happen if you are retired no more money?

      • niko
        March 16, 2010 | 10:57 am

        you will get ur money back.. like a pension maybe :)

        • Sherry
          March 16, 2010 | 9:39 pm

          thats what I think but my friend say her mom got letter asking reinvestment the money.

          • niko
            March 18, 2010 | 11:33 am

            what do they actually mean by that??! ohhhh

            • Sherry
              March 18, 2010 | 12:42 pm

              mean when its time you get the compensate money, they will offer new investment ask you to invest the money back

  7. Sherry
    March 15, 2010 | 8:25 pm

    my mom has no health insurance as she not qualified, if they know you have got low blood pressure or illness they will not accept.

    • niko
      March 16, 2010 | 10:58 am

      yeah most of the insurance companies are like that..

      • Sherry
        March 16, 2010 | 7:04 pm

        yeah my grandma also as she too old

        • niko
          March 18, 2010 | 11:33 am

          hayz thats too bad..

          • Sherry
            March 18, 2010 | 12:42 pm

            yeah my grandma stay old folks home as uncle not able care her.

  8. Sherry
    March 16, 2010 | 2:54 am

    health package have many package here even got mix with education too

    • niko
      March 16, 2010 | 10:58 am

      ow thats nice to know!

      • Sherry
        March 16, 2010 | 7:03 pm

        my friend told me she has 3 kids so she already buying for three of them.

        • niko
          March 18, 2010 | 11:34 am

          :) she is very prepared on her childrens welfare :) and thats good

          • Sherry
            March 18, 2010 | 12:43 pm

            yeah costly investment she told me she spend on insurance, education, milk,diaper a month be USD$1200

  9. Sherry
    March 16, 2010 | 2:54 am

    I mean like 80percent is health 20 percent is education

    • niko
      March 16, 2010 | 10:59 am

      its cool!!! i hope we got a package like that here..

      • Sherry
        March 16, 2010 | 7:03 pm

        yeah they are many packages here.. the better the more costly

        • niko
          March 18, 2010 | 11:34 am

          whew. what do we expect.. thats what insurance companies do best :)

          • Sherry
            March 18, 2010 | 12:44 pm

            yeah but the more they have I find more complicated

  10. Sherry
    March 16, 2010 | 9:38 pm

    I did consider get health insurance but with my earning its not enough.

  11. redamethyst
    March 18, 2010 | 1:47 am

    insurance should be one of our investment. but on a trusted company only

    • Sherry
      March 18, 2010 | 1:49 am

      yeah, usually its recommended by family or friends.

      • niko
        March 18, 2010 | 11:35 am

        :) its good if it comes from friends or families recommendation.. we can be secure if thats the case

        • Sherry
          March 18, 2010 | 12:44 pm

          yeah no worry the agent run away

  12. redamethyst
    March 18, 2010 | 1:48 am

    but this is also the most neglected essential in our life. hehe

    • Sherry
      March 18, 2010 | 1:50 am

      money is always spend else where.

    • niko
      March 18, 2010 | 11:35 am

      ow u hit me right there red! hahahaha

    • Sherry
      March 18, 2010 | 12:46 pm

      that why now they send reminder letter for payment

  13. niko
    March 18, 2010 | 11:36 am

    my company and hub’s company got the 3 of us insured.. i am aiming of getting my parents and MIl’s insurance too.. i have to work hard on my blogging :)

    • Sherry
      March 18, 2010 | 12:45 pm

      wow thats nice, and so kind of you to get mil insurance too.

  14. Sherry
    March 18, 2010 | 12:54 pm

    I am sure you need ready new clothes for svet :D

  15. Sherry
    March 18, 2010 | 12:54 pm

    how about try second hand store? its so famous here.. but its online to buy

  16. Sherry
    March 18, 2010 | 12:58 pm

    with the expenses today, having insurance is not impossible but we just need see what need spend

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