affordable term life insurance rates

Affordable Life Insurance Rates – May 2017

Affordable Life Insurance Rates

Below you will find current affordable life insurance rates for TERM LIFE INSURANCE, GUARANTEED UNIVERSAL LIFE INSURANCE (a competitively priced form of permanent life insurance) and RETURN OF PREMIUM Term Life Insurance. These rates were obtained for MALE/FEMALE, non smoker, qualifying for the Best Health Category, and for face amounts of $500,000.

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About Affordable Life Insurance Quotes

TERM LIFE INSURANCE – Use  our INSTANT LIFE INSURANCE QUOTE engine to obtain term life insurance quotes. You will be able to find term life insurance quotes for maturities of 10, 15, 20, 25 and 30 years and others. You can also find term life insurance policies with maturities up to a certain age, such as “To Age 65 Level”; “to Age 90 Level”; etc. For a more detailed definition of Term Life Insurance, click HERE.

GUARANTEED UNIVERSAL LIFE INSURANCE (GUL)– If you are looking for permanent life insurance, GUL is the way to go. Select “to Age 121 Level (No Lapse UL) and you will find permenent life insurance rates for very competitive rates.. You can also search for affordable GUL life insurance rates using the INSTANT LIFE INSURANCE QUOTE engine. You will life insurance protection until age 121 at an affordable price. “No Lapse”, by the way,  means exactly what it says, the coverage will not lapse provided that the premiums are paid as due. For details about what GUL is all about, click HERE.

RETURN-OF-PREMIUM TERM LIFE INSURANCE (ROP) – Return-of-Premium Term Life Insurance is term life insurance with a rider (at an added cost). What is does is return all premiums paid at the end of the term (10, 20, 30 years, etc.) if the insured is still alive at the end of the term and has paid all premiums as due and on time. Please, search for ROP quotes using our INSTANT LIFE INSURANCE QUOTE engine. For more details about ROP, click HERE.

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We Can Help

Get in touch with us using our contact information as it appears below. One of our agents will help you find term life insurance quotes that best fits your personal and financial situation:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528


Florida-Licensed Life, Health and Variable Annuity Agent

Toll Free: (888) 950-8376

Office: (786) 353-2528







About Disability Income Insurance

What is Your Most Valuable Asset?

If you are like most people, your most valuable asset is your income. Your income has the potential to be substantial over your working lifetime, and it depends upon your ability to work and earn a living. Disability Income Insurance is all about protecting the ability to earn that income.

Depending on your age and monthly earnings, your lifetime income could be substantial. Refer to the table below:

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We often take our income for granted, even in the most “secure” of jobs. However, nobody’s income is guaranteed. You are earning a living, but if you suffered a serious illness or injury that prevented you from working, then your income would stop. How would you live without income for weeks, months, or even years? Your basic needs continue -food, clothing, shelter- even after your ability to meet them is cut off.


A long-term disability can be financially devastating, when no money is coming in and expenses for medical care are rising. your ability to ear an income is a valuable asset than can, and should, be well protected.

Leading Causes of Disability

The leading causes of disability may surprise you. Although many people still associate disability with accidental injury, it is more likely that an unexpected illness will interrrupt your income. According to a Recent Survey of the Council for Disability Awareness (CDA) approximately 90% of disabilities are caused by illness rather than by accidents. In fact, the single greatest cause remains muscle, back and joint disorders, including chronic back pain and arthritis.

In the chart that follows the CDA outlines the percentage of existing long-term disability claims by cause during the same year. As illustrated below, accidental injuries caused fewer than 10% of long-term disability claims.

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Plan Ahead – You Can Protect Your Income!

You insure your home and cars – why not insure your most valuable asset – your ability to earn a living? That is what DISABILITY INCOME INSURANCE does.


For a free DISABILITY INCOME INSURANCE Quote meeting your personal and financial needs, click on the link that appears below, provide the information requested on the form and email it back to us. ASAP thereafter, one of our licensed agent will call you to provide you with your DISABILITY INCOME INSURANCE Quote.



Or, Contact Us As Indicated Below:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Email:

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