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Life Insurance For Seniors

Apr 22, 2013 final expense, Life Insurance 101, Life Insurance Products, Life Insurance Rates, No Exam Life Insurance, Senior Life Insurance, Uncategorized

Final expense insurance can help minimize the emotional and financial burden a loss could have on a family. A funeral can cost $10,000 or more. Social Security benefits pay only $255 to qualified dependents. The majority of U. S. health care costs rise in the final phase of life, when an eventually fatal chronic illness causes intense medical costs. Final Expense life insurance, also referred to as Burial Insurance,  provides peace of mind and  funds when they are needed the most. Since the policy is a whole life policy, premium costs do not increase and, as long as premiums are paid as due and on time, do not expire either. Typically, medical exams are not required. The applicant needs only to answer about a dozen health questions to find out if he/she qualifies. Depending on qualification standards, the benefits may be, a) LEVEL, with full benefits paid immediately; or b) Graded, with benefits paid over a 2 or 3 year period.  Premiums are calculated depending on current underwriting standards which take in consideration health, age, male/female, smoking habits, etc. For instance, at present a fairly healthy 80 years old female, non-smoker and able to answer NO to all the questions in the life insurance application’s health questionnaire, may be able to qualify for up to $25,000 in life insurance with a monthly premium of $227.07; or for a $10,000 policy for $91.65. If you are a senior over 60, or 70, or even 80, and would like to inquire and find out if you qualify for final expense life insurance, please, contact us at:

  • Toll Free Number (888) 950-8376, or
  • Write to us at info@insuranceglobe.net ,  and send us a brief message, or
  • you may also click on Request Free Consultation, and enter your information as indicated therein

One of our licensed and experienced agent will work with you to find the right life insurance for you. Life insurance is not a windfall. You are not going to make your family rich. It is bad enough losing a member of the family, but if they have to struggle financially, it is a double whammy!

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How Much Does Burial Insurance Cost?

Sep 4, 2012 final expense, No Exam Life Insurance, Senior Life Insurance, Types of Life Insurance

How much does burial insurance cost?

The cost of burial insurance depends on the amount of insurance, whether or not you smoke, your occupation, hobbies, the age of the insured and the health of the insured among other variables.

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No Exam Term Life Insurance With MetLife

Apr 9, 2012 No Exam Life Insurance, Types of Life Insurance

MetLife offers no exam term life insurance for clients from age 18-40 who are buying guaranteed level term insurance in durations of 10, 15 and 20 years, with face amounts between $100,000 – 500,000.  It is not available in all states.

For a quote on this product, please call InsuranceGlobe.net at 1-888-95-TERM.

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No Exam Term Universal Life Insurance with Transamerica

Apr 6, 2012 Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance

For those of you who don’t want the hassle of a medical exam or don’t need a large amount of death benefit coverage, you may find a TransTerm universal life insurance policy the perfect choice for:

  • Covering final expenses
  • Getting supplemental coverage for a spouse
  • Having separate coverage for second mortgage
  • Covering college expenses

Non-Medical Guidelines

  • Face amounts from $25,000 – $50,000, ages 18-70
  • Face amounts from $50,000 – $99,999 ages 18-60
  • Available with all planned initial level premium durations:  10, 15, 20, 25, & 30
  • Qualifying risk classes:  Standard – Nonsmoker & Smoker; Rated Classes – Nonsmoker & Smoker

Call InsuranceGlobe.net at 1-888-950-TERM today for free term or universal life insurance quotes.  We will help you get the lowest cost term life insurance rates or universal life insurance rates possible.  We are independent life insurance brokers committed to helping you get the best coverage available.

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Life Insurance Quotes Without An Exam

Dec 20, 2011 No Exam Life Insurance

We often get requests from people who are looking for life insurance quotes without an exam.  Sometimes, it’s a child looking for life insurance on an older parent and they don’t want to put them through an exam or sometimes it’s just someone who is afraid of needles.  In other cases it might be someone

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LIFE INSURANCE FOR SENIORS OVER 70

May 27, 2011 final expense, Impaired Risk Life Insurance, Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Senior Life Insurance

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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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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Final Expense Life Insurance Quotes For Ages 75 – 80

Apr 6, 2011 final expense, Life Insurance Products, Life Insurance Quotes, No Exam Life Insurance, Senior Life Insurance, Types of Life Insurance

Final Expense Life Insurance Quotes For Ages 75 – 80

When Buying final expense life insurance for ages 75 – 80 years old, one of the most popular types of policies is simplified issue final expense life insurance. Simplified Issue means that you just have to answer a few health questions in order to find out if you are approved or declined for your final expense life insurance policy. No medical exam is required for simplified issue life final expense life insurance. Most of our clients ages 75 – 80 looking for final expense life insurance buy simplified issue life insurance. Final expense life insurance polices usually range from $5k to $25k. InsuranceGlobe.net can help 75 – 80 year olds get all the information they need to make a decision on final expense life insurance.

InsuranceGlobe.net is an independent life insurance agency. Because we are an independent insurance agency, we are able to search for final expense life insurance quotes for ages 75 – 80 from various life insurance companies and help you make an informed decision. Most 75 – 80 year olds shopping for final expense life insurance have some type of medical problem or problems, so we will help you find the right life insurance company based upon your specific medical conditions. Whether you have high cholesterol, diabetes, cancer, heart disease, high blood pressure or whatever it may be, we will help you find the best priced final expense life insurance at ages 75 – 80 from a financially stable company.

Sample final expense life insurance quotes for ages 75-80

Here are some sample final expense life insurance quotes for ages 75 – 80 for male and female non-smokers and smokers. Not everyone will qualify for these rates.  Call to find out if you qualify.

These are monthly rates*

$10,000

Male     Female

97.41     72.21      age 75

104.41    76.61     age 76

113.11     82.61     age 77

122.71    88.71     age 78

132.21     95.71     age 79 

142.71     102.71   age 80

These final expense life insurance quotes for ages 75 – 80 are accurate as of 04/05/2011 and can change at any tiime and not everyone will be approved. 

Let InsuranceGlobe.net simplify the process of buying final expense life insurance for ages 75 – 80.  Give us a call and speak to us directly so we can help you find the best final expense life insurance policy for ages 75 – 80.  You can reach  us at 1-888-950-TERM.

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Buy Florida No Exam Term Life Insurance Online

Apr 6, 2011 No Exam Life Insurance

Buying florida no exam term life insurance online to protect your family could not be any easier! With RBC ExpressTERM, you can get up to $250,000 in coverage in around 15 minutes.

You can buy florida no exam term life insurance online from RBC Insurance.  Just follow this link rbc express and you will be able to run florida no exam term life insurance quotes online.  You are not required to speak or meet with an agent.  If you prefer not to meet with a florida life insurance agent, you don’t have to.  With RBC Insurance you can do it all yourself.  You can get anywhere from $25,000 to $250,000 of florida no exam term life insurance online and you can select from 10, 15 or 20 years of coverage. 

Do you need to buy a florida no exam term life insurance policy ASAP?  There is no need to worry, you can apply online and find out in minutes if you have been approved.  All you have to do is answer a few health questions.  The florida no exam term life insurance application is completely online.  You do not have to speak to an insurance agent like myself and no one will contact you.  The best part is that you can start your application right now and in minutes you can print your new florida no exam term life insurance policy online.  It’s that easy.  Your coverage begins immediately!  Premiums are guaranteed.

So, what are you waiting for, follow this link and buy your florida no exam term life insurance online today!

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Life Insurance Quotes No Medical Exam

Oct 8, 2010 Life Insurance Quotes, No Exam Life Insurance

Life Insurance Quotes No Medical Exam  <—— Click Here for instant online quotes!

How do I get life insurance quotes for life insurance a life insurance policy that does not require a medical exam?

Different life insurance policies have different types of underwriting.  The most common type of underwriting required to obtain a life insurance policy is full underwriting.  Full underwriting is when the insurance company send a paramed technician to your home to draw blood and urine and check your blood pressure and height and weight.  The para-med technician will also ask you several yes or no health questions. 

One type of underwriting that does not require an exam is called simplified underwriting.

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