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Life Insurance and Type 2 Diabetes

Admin — Sun, 07 Mar 2010 00:16:40 +0000

Life Insurance and Type 2 Diabetes – If you have type 2 diabetes and are looking for life insurance it will depend on several factors. The main factors insurance companies look at when underwriting life insurance and type 2 diabetes are:

A1C – This is a blood test that measures your average blood sugar level over the last 90 days. Anything over a 6.0 and you are considered to have diabetes. The lower the number the better.
Age of diagnosis. The older you are when diagnosed with diabetes the less of an impact it will have on you life inusurance premium.
Medications taken are always looked at by underwriters. This will give them a clue as to how sever the diabetes is.
Height and weight. Type 2 diabetics are often overweight. Type 2 diabetes is often brought on by overeating and being overweight, but not always.
Complications such as neuropathy, retinopathy or diabetic comas.

If you have type 2 diabetes and you would like a life insurance quote please call 1-888-950-8376 (TERM).

One Million Dollar Life Insurance Policy

Admin — Sat, 27 Feb 2010 19:29:00 +0000

Here are life insurance quotes for a one million dollar life insurance policy for healthy non-smoking males by age:

35 – $3,898.00

45 – $6,166.90

55 – $10,170.00

65 – $18,288.00

75 – $33,479.63

85 – $84,798.00

If you would like to speak with a licensed insurance professional, please call 1-888-950-TERM (8376).

To run your own life insurance quote please click here.

5 million dollar life insurance policy

Admin — Sat, 27 Feb 2010 17:44:33 +0000

Here are some 5 million dollar life insurance policy universal life annual rates for healthy non-smoking males by age:

35 – $19,218.00

45 – $30,525.50

55 – $50,818.00

65 – $91,168.00

75 – $167,158.15

85 – $423,718.00

If you would like to speak with a licensed insurance agent, please call 1-888-950-TERM (8376).

To run your own 5 million dollar life insurance policy quotes click here.

To run your own life insurance quotes for other amounts or any other scenarios click here.

Term vs. Whole Life Insurance

Admin — Tue, 16 Feb 2010 02:17:46 +0000

If you are now, or have been in the market to purchase life insurance, you have been faced with the question “what is better for me, term life insurance or whole life insurance?” The chart below should help you find an answer to that question.

TERM LIFE INSURANCE	WHOLE LIFE INSURANCE
Pure form of life insurance	Life insurance combined with a savings component
Protection for the term	Protection for the whole life
Level premiums through the term; then premium increases	Level premiums for life
Level benefits	Benefits could increase
No cash value	Cash values
Term could be 1 year to 30 years	Term is whole life
Affordable	You pay for life protection and also invest a portion of the premium
No cash value to borrow against	You may borrow against the policy cash value
Proceeds normally exempt from income taxes to beneficiary	Proceeds normally exempt from income taxes to beneficiary

Other personal factors may come into play in the decision as to whether to purchase term or whole life. If you are still not sure, please visit us at www.insuranceglobe.net , for more information and articles about life insurance. At INSURANCE GLOBE we will help you find the best insurance for you at the most competitive prices.

Free Term Life Insurance Quotes

Admin — Mon, 15 Feb 2010 14:43:07 +0000

Get free term life insurance quotes with InsuranceGlobe.net. We have free term life insurance quotes from all of the top non captive insurance companies in the united states of america. Just enter some basic information and you will instantly get your free term life insurance quotes online. We do not sell your information to any agents like other websites. If you would like to speak to a representative regarding your free term life insurance quotes, you can reach us at 1-888-950-TERM (8376).

Here are some of the companies you can get free term life insurance quotes from. SBLI, Genworth, Banner, John Hancock, MetLife, ING, Transamerica, Ohio National, Prudential, Lincoln Financial, RBC, United of Omaha, etc.

Ohio National Term Insurance Quotes

Admin — Mon, 15 Feb 2010 04:07:08 +0000

Ohio National Term Insurance Quotes. Just click here and you will be redirected to a form where you will enter some basic information like your date of birth and the amount of term insurance you are looking for. Ohio National term insurance provides protection for guarantee periods of 10, 15 and 20 years. Ohio National term insurance can be converted to a permanent insurance policy without having to provide evidence of insurability. Like any term insurance policy, Ohio National term insurance is generally the cheapest type of insurance you can buy for a short period of coverage. Get your Ohio National term insurance quotes here or call 1-888-950-TERM (8376).

Life Insurance and Diabetes

Admin — Mon, 15 Feb 2010 02:03:42 +0000

Life insurance and diabetes, what do you need to know? If you are looking for life insurance and you have diabetes, there is some specific information that the insurance companies will be looking at when deciding how to rate your policy. Here is a list of things that you will need to let your broker know:

Age at diagnosis
Type 1 or Type 2 diabetes
Your height and weight
Your medications
Your A1C – the lower the better
Any history of complications such as neuropathy, retinopathy, diabetic coma, etc.
Do you have any other medical conditions?

If you would like a life insurance quote, please call us at 1-888-950-TERM (8376). You can also get your own instant life insurance quotes online here.

Life Insurance and Depression

Admin — Mon, 15 Feb 2010 01:22:18 +0000

If you are looking for life insurance with depression, it is important that your broker pre-qualifies your life insurance quote before you submit a formal life insurance application. You need to tell your broker everything about your depression and your life insurance broker should send an email out to several different insurance companies with a summary of your case. Once you have replies from all of the different companies underwriters, you can keep a copy of the best offer and submit it with your formal life insurance application.

We work with all of the non-captive life insurance companies in the united states of america. If you are looking for life insurance with depression we can help you. Call us today at 1-888-950-TERM (8376). If you would like to run some instant online life insurance quotes CLICK HERE.

Pros and Cons of Term Life Insurance

Admin — Thu, 11 Feb 2010 01:21:20 +0000

What are the pros and cons of term life insurance? The pros are that it is cheap and gives you guaranteed coverage for a specific period of time. Some term policies allow you to convert to a permanent policy without having to provide any proof of insurability. The period of time in which they will allow you to convert varies by carrier and product.

What are the cons? The big down side to term life insurance is that you will most likely outlive your level term period and if you wish to keep your coverage the premiums will begin to increase annually. If you are still insurable and you are young enough to buy another term policy, it may be very expensive at that time.

If you have more questions or concerns about the pros and cons of term life insurance and other types of life insurance you can reach us at 1-888-950-TERM (8376). You can also run your own term life insurance quotes here.

Guaranteed Death Benefit Life Insurance

Admin — Tue, 09 Feb 2010 02:49:23 +0000

Most of the universal life insurance policies that are sold today have a lifetime guaranteed death benefit. Many years ago when interest rates where high, univeral life policies did not have a guaranteed death benefit. Back then, if a universal life policy ran out of cash value, you would have to either pay a higher premium or the policy would lapse. Many agents were selling universal life polices that were paying double digit interest rates and assuming that the credited rates would continue forever and thus they were quoting extemely low premiums to their client, but when rates began to come down clients were starting to have problems with there policies. This is why guaranteed death benefits are so popular today.

Click here to get your universal life guaranteed death benefit quotes today or you can call us at 1-888-950-TERM (8376).