Term Life Insurance Quotes

services2

Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
services5

Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
services7

Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

Term life insurance is perhaps the most popular form of all the various life insurance policies. Many select this policy while searching for term life insurance quotes due to its less expensive premiums. It also allows for a person to form their own terms to focus more on their family’s needs.

 

Never choose a term life insurance policy with the lowest premium unless it suits your needs specifically. Term life insurance is a focused insurance that allows you to set the terms while the company sets the premiums. Don’t let anyone fool you or scam you into paying too much for meager coverage. That’s where Body-Borneman Insurance in Pennsylvania can help. We already work with some of the best insurance companies, and have a proven success record for negotiating and finding low premiums for our clients.

 

Numerous insurance companies will try to raise the rates of their policies so that they can make a bigger commission, since they are typically paid on commission only. You do have the option of hiring an agent. If you decide to go with our Pennsylvania agency to help you find the right policy, this could really ease some of the stress while searching for term life insurance quotes.

 

If you choose to get quotes on your own, try online first. This is all right, but once you have limited the results down to a few potential companies, calling in and receiving quotes is more practical. Calling and talking with our company will give you a more personal experience that allows you to talk about any of your possible concerns and to ask any questions that you might have.

About Term Life Insurance

Term life insurance is a type of insurance policy that allows the owner of the policy to focus its coverage on specific debts. This might include mortgage, student loans for children, funeral expenses, and more. The options are nearly endless and although term life isn’t lifetime coverage, it might be exactly what a person needs for their family.

 

Term life insurance can be purchased in a variety of different ways while searching for term life insurance quotes, meaning that it can be purchased to cover 10, 15, 20, 25, or even 30 years. Just explain what you want covered to our insurance agent and we will then set a premium based off of the years of coverage chosen and the expenses you would like cared for.

 

Unlike permanent life insurance coverage, term life insurance has no cash value. It will only cover the expenses that were set by the purchaser, which is why it important to really consider any and all debts that might occur after you pass.

Things to Consider and Do before Receiving Term Life Quotes

  • Prior to receiving life insurance quotes for a term life policy, one should truly understand what a term life policy is.
  • There is no cash value with term life policies so assess all debts and possibilities for the future.
  • Contemplate hiring an agent who has access to several reliable life insurance companies.
  • Do research. Check online and ask friends and family for advice.
  • Check a company’s ratings and reviews before going to them for a quote.
  • Get online quotes prior to calling and purchasing from the life insurance company.
  • Would you like a renewable term life policy?
  • What are the different types of term life policies offered in Pennsylvania?
  • Keep track of all information you take in. Gather company and agent names; write down the quotes you receive and the term life policies of each company.

 

With the knowledge obtained from doing your own research, comparing term life insurance quotes given for term life insurance will be a lot easier. Choose the best company with the lowest rates and a coverage you are pleased with. Always consider renewable term life policies in case you would like to continue with your life insurance plan in the future. This will be even more beneficial to you and your family.

Choosing the Right Company for Term Life Insurance

Just because a company gave you the lowest quote you have received yet, doesn’t mean that they are the right fit for you and your family. The company’s reputation is vital in these circumstances. Many companies will lower their premiums just to reel you in if they feel that you might flock elsewhere for insurance. Don’t allow a company to take advantage of you like this.

 

While a lower premium is always a plus, it must be set with the terms you want for your life insurance policy when you are selecting between different term life insurance quotes. Body-Borneman Insurance in Pennsylvania can make sure that you are covered for the amount that you would like and for the debts you would like to be of concern after you pass.