"Security You Need - Service You Deserve."

Carlton Group Insurance Services, Inc - Clarksville, TN

Over 25 Years Insurance Experience

1880 Garwood Dr.

Clarksville, TN. 37040

P. O. Box 440

Springfield, TN. 37172

Phone: 931-648-9463 

TOLL FREE

1-888-589-4758 

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TN Life Insurance-Term Life Insurance

Term Life Insurance In TN Is Simple And May Be A More Economical Type of Life Insurance But Is Designed For A Temporary Insurance Need.

A few of our life insurance companies . . .
MetLife Life Insurance
Allianz Life Insurance
AIG/American General Life Insurance

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What Is Term Life Insurance?

Term life insurance provides insurance protection for a pre-selected period of time or "term".  Term life insurance has no "accumulation" or  "cash" value.   The initial premium for term insurance can be the least expensive form of life insurance in TN.

 

What Are The "Term Periods" Of Term Life Insurance?

Term life insurance is usually written for a period of time, such as 1, 5, 10, 15, 20 or 30 years.  If the insured dies within the pre-selected "term" period and the policy is in force, a death benefit will be paid to the beneficiary(s) under the terms of the particular insurance policy.  If the insured is still living at the end of the "term" period, and the term life insurance policy has not been renewed, all insurance coverage under the insurance policy will cease.

 

Will The Premium For A Term Life Insurance Policy Ever Change?

If you purchase a "guaranteed level term" insurance policy, the premium will remain the same for the term period-10, 20, or 30 years.  However, if your policy provides for renewal, the premium for the second "term" period will increase, sometimes significantly.

For Example:

Male-Age 35 purchases a 20-Year Level Term Life Insurance Policy which is issued at a "Preferred Plus-Non-Smoker" rate:

Premium for 20 years - $ 239 per year**

Premium starting year 21 - $ 3,045 per year**

This is why we say that term life insurance may be more economical - initially.

**This example is based on a 20 year guaranteed level term life insurance policy underwritten by Metropolitan Life Insurance Company.   Premiums are subject to change.

 

Things You Should Consider Before Buying Term Life Insurance In TN

  • Term life insurance provides low cost insurance protection at first, but premiums generally increase with age and may become unaffordable later in life.
  • There is no "cash value" element, so you miss the tax-deferred growth of the cash value of permanent life insurance policies.
  • At the expiration of the "term" period, unless the policy is renewed, the life insurance coverage will cease and the policy has no further value.
  • Term life insurance is designed for a temporary life insurance need, like retiring a 30 year mortgage.
  • If your life insurance need is large, but you have a limited budget, term life insurance may be a good place to start your life insurance program.
*All answers to Frequently Asked Questions and all basic life insurance information contained in this web site are for informational purposes only.  You should first consult with your own professional insurance advisor prior to making a decision regarding the suitability of topics discussed which may or may not be applicable to your particular needs.

 

TN Insurance Topics of Interest

 

Dental Care Saving Up to 80%

 

 

AUTO-HOME-LIFE-HEALTH-BUSINESS INSURANCE

IN TN CITIES

Adams 

Adamsville  

Alamo 

Alcoa  

Altamont  

Andersonville  

Antioch

Ardmore  

Arlington  

Arrington  

Ashland City  

Athens  

Bartlett 

Bean Station  

Bell Buckle  

Benton  

Bethpage  

Big Sandy  

Blountville  

Bolivar  

Bon Aqua  

Bradford  

Brentwood 

Bristol

Brownsville 

Bruceton  

Burns  

Byrdstown 

Camden 

Carthage 

Cedar Grove 

Cedar Hill  

Centerville  

Chapel Hill  

Charlotte  

Chattanooga 

Clarksville

Cleveland 

College Grove  

Collierville  

Columbia  

Cottontown  

Covington 

Cross Plains  

Crossville  

Cumberland City   

Cookeville  

Copperhill   

Cunningham 

Dayton 

Decatur  

Dickson  

Dover   

Dresden   

Dunlap 

Dyersburg 

Eagleville  

Elizabethton  

Englewood  

Erin  

Estill Springs 

Fairview 

Fayetteville  

Franklin 

Gainesboro  

Gatlinburg  

Germantown 

Goodlettsville  

Greenbrier  

Hendersonville  

Hermitage 

Hillsboro  

Jackson  

Jamestown

Joelton  

Johnson City  

Kingsport  

Kingston Springs  

Knoxville  

Lawrenceburg  

Lebanon  

Lexington  

Madison  

Memphis  

Mt Juliet   

Mt Pleasant   

Murfreesboro 

Nashville 

Nolensville   

Old Hickory   

Pleasant View  

Pigeon Forge 

Portland  

Pulaski   

Ridgetop  

Shelbyville   

Smyrna   

Sparta  

Springfield  

Tennessee Ridge   

Tullahoma  

Union City  

Vanleer   

Waverly

Westmoreland   

White Bluff  

White House   

Winchester

Woodlawn  

 

Discont Health Plans Under $60

Nationwide Healthcare Network. Healthcare savings for your entire household under $60 per month.

www.dentalhealthwithavision.com

Discount Dental Plans Under $20

Nationwide Dental Plan Provider Network. Savings on both preventive and restorative dental services. Savings on prescription drugs, vision care, and chiropractic care.

www.dentalplansonly.com

Work At Home-Health Benefits Consultant

Keep your current job and start part-time.  Complete training and support.

www.dreamerswin.com

Wild Western Classics

Western actors and characters who made the wild west come alive in western movies and TV series.

www.wildwesternclassics.com

Guaranteed Issue Health Insurance in TN
Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee.   The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and property and casualty insurance in the state of Tennessee and is in good standing with that insurance department. 

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