LIFE INSURANCE FOR SENIORS OVER 70
May 27, 2011 Impaired Risk Life Insurance, Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Senior Life Insurance, final expense
Age is one of the elements that impacts the cost of life insurance. Everything else being equal, the older you are, the more expensive the policy will be. Consequently, the longer you wait to get life insurance the more expensive it will be. Even if you have waited this long to get life insurance, the good news is that it is still possible to get life insurance protection. First, you always can decide on a fully underwritten policy, which in many cases will be the least costly, and submit yourself to a medical exam. With the results of a medical exam the insurance company will have a better understanding of your health situation and thus be able to offer you the best possible premium based on your medical exam results. Or, for whatever reason, you may opt for a no-medical exam policy. What is important to know is that, depending on your health situation, you could still get life insurance even if you are 70, or even above 70 years of age. One possible answer is SIMPLIFIED ISSUE LIFE INSURANCE, which are whole life policies that do not require a medical exam but for the applicant to simply answer a few health questions. Your answers to these health questions will determine whether or not you qualify for a SIMPLIFIED ISSUE LIFE INSURANCE policy. After the death of a loved one, many families are faced with unexpected expenses, including medical bills, funeral expenses, legal fees and unpaid bills. There are a handful, or so, of life insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, which provide the funds to help the family with these expenses, if there are not enough resource in your estate.
If you qualify, you can have immediate protection or graded protection. On a typical policy, and as long as the required premium is paid on a timely basis, the insurance company cannot cancel the policy, cannot reduce your benefits and cannot increase your premium, regardless of the level of benefit approved. Immediate protection means exactly what it says, namely, the entire benefit is paid on day one if the insured dies. But, what if you do not qualify for immediate protection? For most individuals who do not qualify for immediate coverage, there is an alternative. You may qualify for a policy that provides GRADED BENEFITS. Under GRADED BENEFIT the policy will pay a fraction of the death benefit if the insured dies within the first year from the policy issue date (for instance, return of premium plus 5%); a greater fraction of the death benefit is paid if the insured dies on the second year of the policy(for instance, the greater of return of premium plus 10%, or 50% of the face amount); and, then, on year 3 and thereafter, 100% of the death benefit is paid. There are other variations of this formula, but not too different.
How do you know if you qualify for LEVEL (immediate) BENEFIT, or for GRADED BENEFIT? A typical SIMPLIFIED ISSUE LIFE INSURANCE policy contains a one-page (usually) questionnaire with health-related questions. It has either two parts of three parts. If you answer “NO” to any of the questions on the first part you will not qualify for any benefits under the policy. As an example of what the questions in part one are:
- Do you use a wheelchair, other than for a temporary impairment expected to last less than 2 months?
- Do you receive assistance with daily activities such as taking medications, bathing, dressing, eating or toileting? Home health care or hospice care?
- In the past 5 years – have you been diagnosed with, or received treatment for an organ or tissue transplant, Alzhemire’s disease, dementia, or amyotrophic lateral sclerosis (ALS)
- Have you tested positive to HIV, or been diagnosed with having ARC or AIDS caused by the HIV infection, or other sickness or disease derived from such infection?
- In the last 12 months – have you used oxygen to assist with breathing? Received kidney dialysis?
If you answered “NO” to all of the above (typical) questions (they vary from insurance company to insurance company), then you will move to Part 2 and sometimes Part 3, which will determine if you are eligible for LEVEL BENEFIT or GRADED BENEFIT.
At present, SIMPLIFIED ISSUE LIFE INSURANCE (sometimes referred to as “final expense insurance“) is issued up to age 85 and in amounts ranging from $2,000 to $75,000.
We hope that this post has been helpful to you. If you have any questions, would like a life insurance quote, or would like to initiate the process of filing a life insurance application with one of the insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, please, e-mail us at info@insuranceglobe.net , or call us at either of these numbers:
- 888-950-8376
- 786-353-2528
- 305-807-4780
Thank you!
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Whole Life vs Universal LIfe
May 19, 2011 Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance, Whole Life Insurance
Whole Life vs Universal Life
1-888-950-TERM or click here for online universal life rate quotes.
For many people owning some term insurance is an effective way to protect their families and others who depend on them, particularly for the short-term.
Many of these same people, however, also want the added protection and flexibility of permanent insurance but are unsure as to which type is right for their situation.
The most appropriate type of permanent insurance for your is based on your preferences and attitudes toward a range of factors such as risk preference, flexibility, guarantees and your retirement and legacy objectives.
If you prefer a policy that that has both guaranteed death benefit protection as well as a guaranteed form of cash value growth, you should look into a whole life policy. Whole life insurance has guaranteed level premiums, guaranteed cash value and guaranteed death benefits. Whole life is also eligible to receive annual dividends. Dividends are not guaranteed; however, if paid they may increase the cash valued and death benefits over time. In general, a dividend paying whole life policy will cost approximately twice as much as a universal life policy.
If you prefer a policy with guaranteed death benefit protection over the potential for cash value growth, you should think about universal life insurance with a guaranteed death benefit. Universal life generally provides a guaranteed premium and can be designed to provide a guaranteed death benefit and typically does not focus on cash value accumulation.
For an illustration or if you have any questions, please call 1-888-950-TERM.
For online universal life insurance rate quotes click here.
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Texas Life Insurance
May 18, 2011 Life Insurance Quotes, Life Insurance Rates
Texas Life Insurance
1-888-950-TERM or click here for Texas life insurance rates online.
Below you will find 10 year term life insurance rates for males and females age 67, smoker and non-smoker. Included are rates for super preferred non-smoker, preferred non-smoker, standard plus non-smoker, standard non-smoker, preferred smoker and standard smoker. These are currently our best rates, but can change at any time. Call to verify. Please call us to determine which health class you will qualify for with each company. It is also possible that you may end up with sub-standard rates depending on your medical history. Call us and we will help you determine which underwriting class you will qualify for.
10 Year Texas Term Life Insurance Rates Male Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $59.25 | $131.69 | $227.52 | $448.79 |
| Preferred NS | $71.90 | $166.87 | $288.36 | $599.32 |
| Standard Plus NS | $87.13 | $186.67 | $367.12 | $674.92 |
| Standard NS | $97.37 | $229.02 | $434.32 | $859.30 |
10 Year Texas Term Life Insurance Rates Male Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $168.12 | $395.43 | $785.96 | $1567.02 |
| Standard Smoker | $221.14 | $514.66 | $930.53 | $1853.93 |
10 Year Texas Term Life Insurance Rates Female Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $38.54 | $76.34 | $146.52 | $266.36 |
| Preferred NS | $45.75 | $89.98 | $173.80 | $329.63 |
| Standard Plus NS | $52.69 | $109.34 | $212.52 | $418.88 |
| Standard NS | $58.72 | $109.34 | $212.52 | $418.88 |
10 Year Texas Term Life Insurance Rates Female Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $96.98 | $201.08 | $396.00 | $785.84 |
| Standard Smoker | $128.01 | $236.28 | $466.40 | $926.64 |
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Term Life Insurance Rates By Age 66
May 13, 2011 Life Insurance Quotes, Life Insurance Rates
Term Life Insurance Rates By Age 66
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CLICK HERE FOR TERM LIFE INSURANCE RATES FOR ANY AGE – instant online term life insurance rates.
10yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $55.00 per month.
15yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $77.79 per month.
20yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $104.25 per month.
10yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $66.39 per month.
15yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $97.37 per month.
20yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $130.78 per month.
10yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $79.39 per month.
15yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $115.14 per month.
20yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $159.12 per month.
10yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $90.69 per month.
15yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $137.84 per month.
20yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $187.23 per month.
*These rates are accurate as of the time that this article was published, but can change at any time. To be certain they are still current, please call us at 1-888-950-TERM.
These are currently our best term life insurance rates for a male age 66 non-smoker. In this article we looked at non-smoker rates for a 66 year old male. If you need smoker life insurance rates or rates for a different age, amount or gender, please call us at 1-888-950-TERM or click here.
If you have a history of cancer, heart disease, diabetes, obesity, high blood pressure, high cholesterol, DUI, reckless driving, bankruptcy, etc. please call us at 1-888-950-TERM. We will get you the best life insurance rates based on your specific situation.
You can also get life insurance rates for universal life insurance and for return of premium life insurance by clicking here or you can call us at 1-888-950-TERM.
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Up to 1 million of Term Life Insurance No Exam
May 9, 2011 No Exam Life Insurance
If you have recently purchased life insurance and are thinking you need more coverage, you may be able to qualify for up to $1 million of term insurance without an exam. Unlike the last time you applied for coverage and had to take the time to provide blood work or a medical exam, qualifying applicants can now take advantage of a hassle free application program to purchase a new term life insurance policy without the standard medical underwriting requirements. All you have to do is complete a life insurance application and the life insurance carrier will take care of the rest. Get up to $1 million dollars of term life insurance without an exam. For more information on how to qualify for this program, call InsuranceGlobe.net today at 1-888-950-TERM.
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Life Insurance and Foreign Travel
May 9, 2011 Impaired Risk Life Insurance, Life Insurance Quotes
If you travel to any of the countries on the U.S. Department of State current travel warning list there is a good chance you will be declined for life insurance. However, certain states do not allow insurance companies to rate or decline their residents soley for foreign travel. For example, we just worked on a case for a Georgia resident who is going to Iran for 2 months. Ordinarily, he would have been declined, but we were able to write him at super preferred, because he is a resident of Georgia. Other states that have restrictions are California, Colorado, Connecticut, Florida, Georgia, Illinois, Massachusets, Minnesota, Missouri, New Jersey, New York, Tennessee, Virginia and Washington (state). Not every life insurance company interprets these laws the same, so you need to know which insurance company to go with. For example, one insurance company we spoke with wanted to add $7.50 per every $1,000 of death benefit. In this case, the client wanted $200,000 of coverage, so he would have had to pay an additional $1,500 per year. This is an area that many agents do not come across frequently and therefore do not have the experience to handle such a case properly. If you are planning on traveling to a high risk country and you need life insurance, please call InsuranceGlobe.net at 1-888-950-TERM.
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Life Insurance Rates By Age
May 5, 2011 Life Insurance Quotes
LIFE INSURANCE RATES BY AGE – Call 1-888-950-TERM
Click here to get instant online life insurance rates by age for any age or amount!
10 Year Term Life Insurance Rates Online Male Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $59.25 | $131.69 | $227.52 | $448.79 |
| Preferred NS | $71.90 | $166.87 | $288.36 | $599.32 |
| Standard Plus NS | $87.13 | $186.67 | $367.12 | $674.92 |
| Standard NS | $97.37 | $229.02 | $434.32 | $859.30 |
10 Year Term Life Insurance Rates Online Male Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $168.12 | $395.43 | $785.96 | $1567.02 |
| Standard Smoker | $221.14 | $514.66 | $930.53 | $1853.93 |
10 Year Term Life Insurance Rates Online Female Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $38.54 | $76.34 | $146.52 | $266.36 |
| Preferred NS | $45.75 | $89.98 | $173.80 | $329.63 |
| Standard Plus NS | $52.69 | $109.34 | $212.52 | $418.88 |
| Standard NS | $58.72 | $109.34 | $212.52 | $418.88 |
10 Year Term Life Insurance Rates Online Female Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $96.98 | $201.08 | $396.00 | $785.84 |
| Standard Smoker | $128.01 | $236.28 | $466.40 | $926.64 |
Affordable 10 Year Term Life Insurance Rates Male Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $59.25 | $131.69 | $227.52 | $448.79 |
| Preferred NS | $71.90 | $166.87 | $288.36 | $599.32 |
| Standard Plus NS | $87.13 | $186.67 | $367.12 | $674.92 |
| Standard NS | $97.37 | $229.02 | $434.32 | $859.30 |
Affordable 10 Year Term Life Insurance Rates Male Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $168.12 | $395.43 | $785.96 | $1567.02 |
| Standard Smoker | $221.14 | $514.66 | $930.53 | $1853.93 |
Affordable 10 Year Term Life Insurance Rates Female Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $38.54 | $76.34 | $146.52 | $266.36 |
| Preferred NS | $45.75 | $89.98 | $173.80 | $329.63 |
| Standard Plus NS | $52.69 | $109.34 | $212.52 | $418.88 |
| Standard NS | $58.72 | $109.34 | $212.52 | $418.88 |
Affordable 10 Year Term Life Insurance Rates Female Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $96.98 | $201.08 | $396.00 | $785.84 |
| Standard Smoker | $128.01 | $236.28 | $466.40 | $926.64 |
Best 100k 10 Year Term Life Insurance Rates for a Male age 68
100k super preferred non-smoker male best 10 year term life insurance rates age 68 = $63.34 per month.
100k preferred non-smoker male best 10 year term life insurance rates age 68 = $79.82 per month.
100k standard plus non-smoker male best 10 year term life insurance rates age 68 = $96.03 per month.
100k standard non-smoker male best 10 year term life insurance rates age 68 = $106.62 per month.
Best 100k 10 Year Term Life Insurance Rates for a Female Age 68
100k super preferred non-smoker female best 10 year term life insurance rates age 68 = $41.56 per month.
100k preferred non-smoker female best 10 year term life insurance rates age 68 = $48.35 per month.
100k standard plus non-smoker female best 10 year term life insurance rates age 68 = $57.76 per month.
100k standard non-smoker female best 10 year term life insurance rates age 68 = $64.80 per month.
Best 100k 15 Year Term Life Insurance Rates for a Male age 68
100k super preferred non-smoker male best 15 year term life insurance rates age 68 = $91.70 per month.
100k preferred non-smoker male best 15 year term life insurance rates age 68 = $112.64 per month.
100k standard plus non-smoker male best 15 year term life insurance rates age 68 = $141.33 per month.
100k standard non-smoker male best 15 year term life insurance rates age 68 = $149.80 per month.
Best 100k 15 Year Term Life Insurance Rates for a Female Age 68
100k super preferred non-smoker female best 15 year term life insurance rates age 68 = $56.58 per month.
100k preferred non-smoker female best 15 year term life insurance rates age 68 = $65.47 per month.
100k standard plus non-smoker female best 15 year term life insurance rates age 68 = $84.23 per month.
100k standard non-smoker female best 15 year term life insurance rates age 68 = $84.23 per month.
Best 100k 10 Year Term Life Insurance Rates for a Male age 69
100k super preferred non-smoker male best 10 year term life insurance rates age 69 = $67.60 per month.
100k preferred non-smoker male best 10 year term life insurance rates age 69 = $88.53 per month.
100k standard plus non-smoker male best 10 year term life insurance rates age 69 = $105.29 per month.
100k standard non-smoker male best 10 year term life insurance rates age 69 = $116.59 per month.
Best 100k 10 Year Term Life Insurance Rates for a Female Age 69
100k super preferred non-smoker female best 10 year term life insurance rates age 69 = $44.79 per month.
100k preferred non-smoker female best 10 year term life insurance rates age 69 = $53.17 per month.
100k standard plus non-smoker female best 10 year term life insurance rates age 69 = $63.81 per month.
100k standard non-smoker female best 10 year term life insurance rates age 69 = $71.56 per month.
Best 100k 15 Year Term Life Insurance Rates for a Male age 69
100k super preferred non-smoker male best 15 year term life insurance rates age 69 = $100.75 per month.
100k preferred non-smoker male best 15 year term life insurance rates age 69 = $126.28 per month.
100k standard plus non-smoker male best 15 year term life insurance rates age 69 = $157.96 per month.
100k standard non-smoker male best 15 year term life insurance rates age 69 = $166.15 per month.
Best 100k 15 Year Term Life Insurance Rates for a Female Age 69
100k super preferred non-smoker female best 15 year term life insurance rates age 69 = $60.98 per month.
100k preferred non-smoker female best 15 year term life insurance rates age 69 = $70.49 per month.
100k standard plus non-smoker female best 15 year term life insurance rates age 69 = $92.88 per month.
100k standard non-smoker female best 15 year term life insurance rates age 69 = $92.88 per month.
Super preferred non-smoker 30 year term ul life insurance policy rates by age:
30 year $500k Term UL Life Insurance policy rates for a 35 year old male super preferred non-smoker = $40.08 per month.
30 year $500k Term UL Life Insurance policy rates for a 35 year old female super preferred non-smoker = $34.32 per month.
30 year $500k Term UL Life Insurance policy rates for a 40 year old male super preferred non-smoker = $55.88 per month.
30 year $500k Term UL Life Insurance policy rates for a 40 year old female super preferred non-smoker = $44.94 per month.
30 year $500k Term UL Life Insurance policy rates for a 45 year old male super preferred non-smoker = $89.76 per month.
30 year $500k Term UL Life Insurance policy rates for a 45 year old female super preferred non-smoker = $68.35 per month.
30 year $500k Term UL Life Insurance policy rates for a 50 year old male super preferred non-smoker = $134.66 per month.
30 year $500k Term UL Life Insurance policy rates for a 50 year old female super preferred non-smoker = $94.85 per month.
30 year $500k Term UL Life Insurance policy rates for a 55 year old male super preferred non-smoker = $200.22 per month.
30 year $500k Term UL Life Insurance policy rates for a 55 year old female super preferred non-smoker = $128.81 per month.
30 year $500k Term UL Life Insurance policy rates for a 60 year old male super preferred non-smoker = $314.97 per month.
30 year $500k Term UL Life Insurance policy rates for a 60 year old female super preferred non-smoker = $177.93 per month.
30 year $500k Term UL Life Insurance policy rates for a 65 year old male super preferred non-smoker = $507.67 per month.
30 year $500k Term UL Life Insurance policy rates for a 65 year old female super preferred non-smoker = $277.62 per month.
Super preferred non-smoker 20 year term life insurance policy rates by age:
20 year $500k Term Life Insurance policy rates for a 35 year old male super preferred non-smoker = $22.80 per month.
20 year $500k Term Life Insurance policy rates for a 35 year old female super preferred non-smoker = $19.96 per month.
20 year $500k Term Life Insurance policy rates for a 40 year old male super preferred non-smoker = $30.42 per month.
20 year $500k Term Life Insurance policy rates for a 40 year old female super preferred non-smoker = $26.30 per month.
20 year $500k Term Life Insurance policy rates for a 45 year old male super preferred non-smoker = $53.51 per month.
20 year $500k Term Life Insurance policy rates for a 45 year old female super preferred non-smoker = $35.42 per month.
20 year $500k Term Life Insurance policy rates for a 50 year old male super preferred non-smoker = $81.38 per month.
20 year $500k Term Life Insurance policy rates for a 50 year old female super preferred non-smoker = $59.60 per month.
20 year $500k Term Life Insurance policy rates for a 55 year old male super preferred non-smoker = $127.28 per month.
20 year $500k Term Life Insurance policy rates for a 55 year old female super preferred non-smoker = $95.21 per month.
20 year $500k Term Life Insurance policy rates for a 60 year old male super preferred non-smoker = $216.83 per month.
20 year $500k Term Life Insurance policy rates for a 60 year old female super preferred non-smoker = $147.37 per month.
20 year $500k Term Life Insurance policy rates for a 65 year old male super preferred non-smoker = $406.12 per month.
20 year $500k Term Life Insurance policy rates for a 65 year old female super preferred non-smoker = $246.40 per month.
20 year $500k Term Life Insurance policy rates for a 70 year old male super preferred non-smoker = $692.32 per month.
20 year $500k Term Life Insurance policy rates for a 70 year old female super preferred non-smoker = $445.07 per month.
Rates are subject to change. Please call 1-888-950-TERM for customized life insurance rates by age.
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Term Life Insurance Rates Online Age 67
May 1, 2011 Life Insurance Quotes
Term Life Insurance Rates Online Age 67
Click HERE for instant online term life or universal life insurance rates. You can also reach us at 1-888-950-TERM.
InsuranceGlobe.net specializes in providing online term and online universal life insurance rates for all ages. In this article we will be focusing on online term life insurance rates for age 67. If you are looking for online term life insurance rates for another age, please click here and you can get instant online affordable term or universal life insurance rates. We are an independent life insurance agency and can provide you with online term and online universal life insurance rates from multiple top rated companies. You probably found us on a google search for online term life insurance rates or something similar to that. Now that you are here, we will help you find the lowest and best online term life or online universal life insurance rates.
10 Year Term Life Insurance Rates Online Male Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $59.25 | $131.69 | $227.52 | $448.79 |
| Preferred NS | $71.90 | $166.87 | $288.36 | $599.32 |
| Standard Plus NS | $87.13 | $186.67 | $367.12 | $674.92 |
| Standard NS | $97.37 | $229.02 | $434.32 | $859.30 |
10 Year Term Life Insurance Rates Online Male Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $168.12 | $395.43 | $785.96 | $1567.02 |
| Standard Smoker | $221.14 | $514.66 | $930.53 | $1853.93 |
10 Year Term Life Insurance Rates Online Female Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $38.54 | $76.34 | $146.52 | $266.36 |
| Preferred NS | $45.75 | $89.98 | $173.80 | $329.63 |
| Standard Plus NS | $52.69 | $109.34 | $212.52 | $418.88 |
| Standard NS | $58.72 | $109.34 | $212.52 | $418.88 |
10 Year Term Life Insurance Rates Online Female Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $96.98 | $201.08 | $396.00 | $785.84 |
| Standard Smoker | $128.01 | $236.28 | $466.40 | $926.64 |
(These are our best monthly 10 year term life insurance rates as of 04/27/11 and are subject to change at any time)
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