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First Name: Last Name: Phone: Email: Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 Sex: Male   Female Smoke? Yes   No Status: Regular   Regular Plus Preferred Preferred Plus State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands American Samoa Duration: 5 Year 5 Year - Guaranteed Only 10 Year 10 Year - Guaranteed Only 15 Year 15 Year - Guaranteed Only 20 Year 20 Year - Guaranteed Only 25 Year 25 Year - Guaranteed Only 30 Year 30 Year - Guaranteed Only 15 Year Term with Return of Premium 20 Year Term with Return of Premium 30 Year Term with Return of Premium To Age 100 Level Guaranteed 10, 20, 30 Year Gtd. Term 15, 20, 30 Year with ROP Insurance: $50,000 $75,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $5,000,000 Premiums: Annual   Monthly

Depending on which company you choose there are several optional “riders” that you can include on your term life insurance contract. Those most common riders are

1. Accidental Death Benefit Rider: This pays an additional dollar amount if death results from some kind of accident (car accident, falling from roof, etc.)
    
2. Children’s Term Rider: Tthe children’s term rider typically covers all children in the household for one additional price. So if you have 1 child or 10 children you could purchase $10,000 worth of coverage that would cover all children. So the more children under 18, the better the value. Some children term riders last until the child reaches the age of 25. Also, most children’s term riders will give you the option to renew your child’s term rider without the proof of insurability. A real world example would be as follows. If you purchase a children’s term rider and that child acquires diabetes before the policy expires. You will have the option to purchase that child permanent coverage despite the child having diabetes. Without the children’s term rider it might be difficult for that child to find affordable insurance as an adult.
    
3. Disability Income Rider: Disability coverage is the most under valued insurance there is today. Disability is far more likely than death, yet most people overlook the importance and value of disability insurance. Just consider a few things about disability according to the National Safety Council in 1997:
   
   
   • 13,000 people are killed in work-related accidents each year -- 2,200,000 are disabled.
   • 21,000 people are killed in vehicular accidents each year – 2,700,000 are disabled.
   • 57% of applicants applying for social security benefits are declined.
   • The number of people with severe disabilities has increased 400% over the past 25 years. (largely due to medical advances that save peoples lives, yet leave them disabled)

To learn more about disability coverage, visit our disability page to get more detailed information.

4. Waiver of Premium: This valuable rider waives your premium payment is the case that you become disabled. Usually you must be disabled for a period of 6 months before this rider kicks in. Imagine if you become disabled and cannot work. You income may stop, or maybe just reduced if you buy disability insurance, but often times you bills stay the same or increase. This rider would waive you term life insurance bill. So as long as you are disabled you do not have to pay your insurance coverage.
    
5. Return of Premium: This has fast become the most popular rider at Easy Quote Direct. It is a simple rider that pays you back 100% of your premium at the end of your term period. So if you have a premium of $50 per month for 30 years, you simply multiple $50 X 360 months which equals $18,000. That would be the check you would receive tax free at the end of the term. Now there are a few thing you should think about before getting this rider. The return of premium rider is an excellent option, IF, you plan on keeping the coverage for the entire term period. You will not receive a full return if you cancel early. Also, make sure you find out what your reduced paid up amount will be if you decide to take that option.

Reduce paid insurance works like this. Lets say you purchased a $250,000 30 year term policy that cost you $50 / month with the Return of Premium rider. At the end of the term you have the choice to receive $18,000 OR purchase reduced paid up coverage. Your reduced paid up coverage depends on the company you choose, but for this example lets say the insurance company says they will give you a reduced paid up policy for $40,000 if you give them the $18,000 instead of keeping for yourself. So the “reduced” part is where you went from $250,000 to $40,000. The “paid up” part means that you never make another insurance payment. This is a great concept. You have a large lump sum that covers your family when they need it most. At the end of the term period we hope that your family is no longer financially dependant on you. However, the $40,000 will be enough to insure that your final expenses are taken care of. Using this option most often is much cheaper than purchasing comparable Universal Life or Whole Life plan.

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First Name: Last Name: Phone: Email: Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 Sex: Male   Female Smoke? Yes   No Status: Regular   Regular Plus Preferred Preferred Plus State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands American Samoa Duration: 5 Year 5 Year - Guaranteed Only 10 Year 10 Year - Guaranteed Only 15 Year 15 Year - Guaranteed Only 20 Year 20 Year - Guaranteed Only 25 Year 25 Year - Guaranteed Only 30 Year 30 Year - Guaranteed Only 15 Year Term with Return of Premium 20 Year Term with Return of Premium 30 Year Term with Return of Premium To Age 100 Level Guaranteed 10, 20, 30 Year Gtd. Term 15, 20, 30 Year with ROP Insurance: $50,000 $75,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $5,000,000 Premiums: Annual   Monthly

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