Step 2- Type of Life insurance needed?

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=110 BGCOLOR="#999933" TEXT="#080000" bgproperties="fixed" background="038006e0ddwnfv.png"> <div> <B>A Full-service Internet Insurance Agency selling life, auto and home insurance.    </B><FONT SIZE="1" COLOR="#FFFFCC" FACE="Arial" ><B>   </B></FONT></div> <div> <B>  |     </B><A HREF="index.htm" TARGET="_top" TITLE="A Fullservice Internet Insurance Agency "><U><B>home</B></U></A><B>  </B><B>/ </B><A HREF="id2.htm" TARGET="_top" TITLE="About Us"><U><B> About Us</B></U></A><B> </B><B> /  </B><A HREF="id3.htm" TARGET="_top" TITLE="Products"><U><B> Products</B></U></A><B> </B><B> /  </B><A HREF="id4.htm" TARGET="_top" TITLE="Whats New"><U><B> What's New</B></U></A><B> </B><B> /  </B><A HREF="id5.htm" TARGET="_top" TITLE="Charities"><U><B>Charities</B></U></A><B>  /  </B><A HREF="id16.htm" TARGET="_top" TITLE="Directors"><U><B> Directors</B></U></A><B>  /  </B><A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U><B> Contact Us</B></U></A></div> </td> </tr><tr> <td valign="top" width=190 BGCOLOR="#CCCC99" TEXT="#080000" background="039bec00esnpes.png"> <div> <A HREF="id9.htm" TARGET="_top" TITLE="Life"><U><B>Life</B></U></A></div> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Step 1."><U><B>Step 1</B></U></A></div> <div> <B>Step 2</B></div> <div> <A HREF="id36.htm" TARGET="_top" TITLE="Step 3"><U><B>Step 3</B></U></A></div> <div> <A HREF="id36.htm" TARGET="_top" TITLE="Step 3"><U><B>Get Quote</B></U></A></div> <div> <B>A Win-Win Insurance Model That Puts a Premium on People</B></div> <div> <B>100% of all aftertax profits go to charities</B></div> <div>  </div> <bR> </td> <td valign="top" height=370 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> Step 2- Type of Life insurance needed?</div> <bR> <div> 1. <B>Level Term Insurance</B> - provides a level premium for a specified number of years (10 years, 15 years, 20 years or 30 years).  At the end of the year period the rate increases either annually or steps up to a new higher level premium for another level period.  Most level term policies are renewable and convertible.</div> <DIV ALIGN="LEFT"></DIV> <div>      <B>Features:</B></div> <div>           A. <B>Convertible</B> - allows you to change your term insurance to another               type of insurance without any medical evidence of insurability.          </div> <div>           B. <B>Renewable</B> - means your term insurance will automatically be                      canceled at a certain date.</div> <bR> <div> 2. <B>Permanent Insurance</B> - (Whole Life or Universal Life) provides a level premium usually for your entire life.  More expensive than term.</div> <bR> <div> 3. <B>Second to Die Insurance</B> - is life insurance that pays the death benefit when both the husband and wife die.  Usually used for estate planning purposes because of the unlimited marital deduction.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Riders- additional cost</B></div> <div> 1. <B>Waiver of Premium </B>- provides a benefit, usually the payment of premiums if you meet certain conditions (like disability) on different types of insurance policies.</div> <div> 2. <B>Accidental Death Benefit</B> - provides usually the double the death benefit if you die by accident.</div> <DIV ALIGN="LEFT"></DIV> <div> <A HREF="id36.htm" TARGET="_top" TITLE="Step 3"><U><B><U>Step 3</U></B></U></A></div> <div> <A HREF="id36.htm" TARGET="_top" TITLE="Step 3"><U><B><U>Get Life Insurance Quote</U></B></U></A></div> <bR> <bR> </td> </tr></table></body>