Did you know that over 90% of all life insurance policies are either lpased or surrendered and the life insurance company never pays a claim?  If your circumstances have changed or you just need a little extra cash, this might be the solution for you.

If you no longer wish to pay premiums and plan on letting your life insurance policy lapse, you should consider the life policy payout program.  Your unwanted or unneeded life insurance policy may have value.

With this program:

1. Medical records and third party life expectancies are not required.

2.  You may be able to receive a cash amount greater than the surrender value of your policy.

3.  You may be able to receive cash for a policy that would otherwise be lapsed.

4.  Only 45-60 days average time to have have cash in your hand.

5.  You have no obligation to sell your policy once you receive an offer.

Here’s an example, the policy owner will no longer pay the current premium of $11,000 a year and can receive about $27,500 cash for the policy.  The face amount on the existing whole life policy being surrendered is $250,000 and the policy was issued in 2004.  The insured is 83 years old, male.

Here’s another example, the policy owner will no longer pay the current premium of $2,600 a year and can receive about $11,000 cash for the policy.  The face amount on the existing universal life insurance policy being surrendered is $100,000.  The policy was issued in 1984 and the insured is 82 years old, male.

If you can answer yes to the following question, your life insurance policy may be eligible for this program:

1. Is the face amount of your policy between $50,000 and $300,000?
2. Is the insured at least 75 years of age?
3. Is the policy owner’s current state of residency one of the following:  Florida, Alabama, Arizona, DC, Hawaii, Missouri, South Carolina, South Dakota, Wyoming, New Mexico, Michigan, Delaware, Massachusetts?
4. Is the policy either universal life or whole life?
5. Was the policy issued at least 6 years ago?

If the answers are yes to all questions above, your policy may qualify for this program.  Call us to learn how to submit an application.  1-888-950-8376.

30 year term life insurance rates male age 65 standard non-tobacco $500,000

30 year term life insurance rates female age 65 standard non-tobacco $500,000

For more information on 30yr term life insurance rates age 65 please call us at 1-888-950-8376.

Final Expense Whole Life Insurance Quotes Online

Families may have to make important decisions after the death of a loved one.  In addition to having to make these difficult decisions, they will also have to pay expenses arising from burials, remaining debt, and out-of-pocket health care bills.  All of these expenses can add up quickly.  Grieving family members can suddenly find themselves in unexpected debt.

While most people don’t want to think about these things now, those who do plan ahead and buy a final expense whole life insurance policy are rewarded with the peace of mind of knowing that their final epenses are taken care of so that their family members aren’t stuck with the bill.  Final expense whole life insurance policies can eliminate or minimize the financial burden an unexpected death could have on those who you love and fund your final wishes.

On average a funeral can cost $10,000 or more.  Other expenses that are related to a funeral like transportation, ceremonies, and other incidentals, can also be costly.  Social security benefits pay only $255 to qualified dependents and the Veteran’s Administration benefit offers only $300.

What makes things worse, is that the majority of U.S. health care costs come in the final phase of life, when many end up in their final days living with terminal chronic illnesses which have very high costs associated with their treatments.

Obtaining a final expense whole life insurance policy now will ensure that your loved ones will have funds availabe when they need them.

Final Expense Whole Life Insurance Can Help

• Peace of mind that your family will be protected
• No exam – policy issue is based on your answers to health questions on the application
• Find out today if you are pre-approved
• Premium rates that are guaranteed to never increase for the rest of your life
• Coverage that never decreases
• 30-day free look period with a right to cancel and 100% refund

Call us today for a quote at 1-888-950-TERM(8376)

Life insurance rates for a male age 86 – a $10,000 life insurance policy for an 86 year old male would cost you 220.83 per month.

Life insurance rates for a female age 86 – a $10,000 life insurance policy for an 86 year old female would cost you 171.67 per month.

This policy is not available in all states.  Call InsuranceGlobe.net for details at 1-888-950-TERM.

1-888-950-TERM

Below are whole life insurance rates for non-smoker males ages 80 to 85 for a $10,000 policy

80 year old male non-smoker rate120.85 per month

81 year old male non-smoker rate 124.45 per month

82 year old male non-smoker rate 128.15 per month

83 year old male non-smoker rate 130.85 per month

84 year old male non-smoker rate 133.65 per month

85 year old male non-smoker rate 141.15 per month

Below are whole life insurance rates for non-smoker females ages 80 to 85 for a $10,000 policy

80 year old female non-smoker rate 91.65 per month

81 year old female non-smoker rate 95.15 per month

82 year old female non-smoker rate 98.65 per month

83 year old female non-smoker rate 98.85 per month

84 year old female non-smoker rate 105.15 per month

85 year old female non-smoker rate 111.95 per month

Below are whole life insurance rates for smoker males ages 80 to 85 for a $10,000 policy

80 year old male smoker rate 139.07 per month

81 year old male smoker rate 195.15 per month

82 year old male smoker rate 200.35 per month

83 year old male smoker rate 202.75 per month

84 year old male smoker rate 205.05 per month

85 year old male smoker rate 218.95 per month

Below are whole life insurance rates for smoker females ages 80 to 85 for a $10,000 policy

80 year old female smoker rate 117.12 per month

81 year old female smoker rate 134.95 per month

82 year old female smoker rate 139.65 per month

83 year old female smoker rate 143.15 per month

84 year old female smoker rate 146.48 per month

85 year old female smoker rate 162.65 per month

You are NOT required to take a physical exam in order to qualify for one of these whole life policies.  All you have to do is be able to truthfully and accurately answer no to all of the medical questions on the application.  The questions vary between different companies, but below are the questions from one of the products that we sell the most due to their very competitive rates.

1.  Height and weight – max weight depends on your height.

2. Do you need assistance with the normal activities of daily living (eating, bathing, dressing, taking medications, etc.), or are you currently hospitalized, confined to a bed or nursing facility, or receiving hospice care?

3. Within the past 12 months have you

a. Been medically diagnosed with internal cancer, leukemia, lymphoma, or melanoma or have had more than one occurence of any cancer in your life time (excluding basal or Squamous cell skin cancer), had a recurrence of any cancer, or currently being treated for cancer or had an amputation caused by any disease or cancer?

b. Been medically diagnosed, treated, or taken medication for stroke or transient ischemic attack (TIA/mini-stroke)?

4. Within the past 24 months have you

a. Been medically diagnosed, treated or taken medication for cirrhosis, liver disease, angina, chronic obstructive pulmonary or lung disease (COPD/COLD), emphysema, chronic bronchitis, required oxygen to assist in breathing, or uncontrolled high blood pressure?

b. Been medically diagnosed as having, been treated for or hospitalized for heart disease, Hodgkin’s Disease, heart attack, heart or circulatory vascular surgery (including coronary artery bypass, pacemaker, or replacement pacemaker, heart valve replacement, abdominal aortic aneurysm, but excluding angioplasty or stent placement) cardiomyopathy, or any procedure to improve circulation to the heart or brain?

5.  Within the past 36 months have you

a. been convicted of a felony or are you currently incarcerated or on probation, been diagnosed or treated by a licensed member of the medical profession for alcohol or any drugs of abuse, attempted suicide, or been convicted of operating a vehicle while intoxicated or impaired?

6.  Have you ever

a. Been medically treated for insulin shock, diabetic coma, or have you taken insulin injections or by other methods prior to age 40?

b. Tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS caused by the HIV infection or other sickness or condition derived from such infection?

c. Had, or been medically diagnosed, treated, or taken medication for chronic kidney disease (including dialysis, kidney or liver failure, congestive heart failure, Alzheimer’s, dementia, Lou Gehrig’s disease (ALS), schizophrenia, bipolar disorder, or mental incapacity?

7.  Within the past 24 months have you been medically diagnosed, treated, or taken medication for

a.  Lymphoma, melanoma, leukemia or any internal cancer?

b.  Stroke, or transient ischemic attack (TIA/mini-stroke)?

c.  Neuromuscular or brain disease (including cerebral palsy, muscular dystrophy, multiple sclerosis, grand mal epilepsy, cystic fibrosis or Parkinson’s disease or systemic lupus (SLE)?

d.  Paralysis of two or more extremities or amputation caused by disease or cancer?

e. Angioplasty or stent placement?

8.  Within the past 24 months, have you been confined three times or more to a hospital, nursing facility, convalescent care facility, assisted living facility, mental facility, or hospice care?

9. If you are 65 and under, do you have a physical or mental reason or any health reason that would prevent you from working for at least 25 hours per week in an active, normal, and gainful employment?

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!

SUPER PREFERRED TERM LIFE INSURANCE RATES FOR ANY AGE HERE – Just enter your date of birth, state, gender, health rating, smoking status and coverage amount and you will get instant online term life insurance rates.  Your name, phone number and email address are optional.

5yr Term Life Insurance rates for a male age 70 super preferred non-smoker for a $100,000 policy = $85.98 per month.

10yr Term Life Insurance rates for a male age 70 super preferred non-smoker for a $100,000 policy = $72.38 per month.

15yr Term Life Insurance rates for a male age 70 super preferred non-smoker for a $100,000 policy = $110.06 per month.

20yr Term Life Insurance rates for a male age 70 super preferred non-smoker for a $100,000 policy = $158.35 per month. 

25yr Term Life Insurance rates for a male age 70 standard plus non-smoker for a $100,000 policy = $245.13 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 super preferred term life insurance rates for a male age 70 non-smoker.  To find out if you qualify for these super preferred non-smoker term life insurance please call us at 1-888-950-TERM. 

In some cases your term life insurance rates will end up being higher.  For example, if you have some recent medical history your term life insurance may be rated or even declined.  If you do have some type of medical history, we can help you shop the term life insurance market to get the best possible rates. 

Please feel free to use our term life insurance rates quoting software to get your own life insurance rates if you are a different age, gender, a smoker or if you are just looking for a different amount of term life insurance.  You can also use our term life insurance rates quoting software to get rates for universal life insurance. 

As always, if you need assistance getting term life insurance rates, universal life insurance rates, whole life insurance rates or return of premium (ROP) life insurance rates for a male age 70 or any other age or gender, please call us at 1-888-950-TERM and we will be happy to assist you.

TERM LIFE INSURANCE RATES FOR ANY AGE HERE - just enter your information and get instant online term life insurance rates

15yr Term Life Insurance rates for a male age 70 preferred non-smoker for a $100,000 policy = $140.07 per month.

20yr Term Life Insurance rates for a male age 70 preferred non-smoker for a $100,000 policy = $208.22 per month. 

15yr Term Life Insurance rates for a male age 70 standard plus non-smoker for a $100,000 policy = $179.43 per month.

20yr Term Life Insurance rates for a male age 70 standard plus non-smoker for a $100,000 policy = $242.74 per month. 

15yr Term Life Insurance rates for a male age 70 standard non-smoker for a $100,000 policy = $184.21 per month.

20yr Term Life Insurance rates for a male age 70 standard non-smoker for a $100,000 policy = $285.71 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 70 non-smoker.  We did not display super preferred term life insurance rates, because most people at this age don’t qualify for super preferred term life insurance rates, but if you think you can qualify for super preferred term life insurance non-smoker rates, you can use our term insurance comparison software to see how much the rates will be or you can call us at 1-888-950-TERM. 

In some cases your term life insurance rates will end up being higher.  For example, if you have some recent medical history your term life insurance may be rated or even declined.  If you do have some type of medical history, we can help you shop the term life insurance market to get the best possible rates. 

Please feel free to use our term life insurance rates quoting software to get your own life insurance rates if you are a different age, gender, a smoker or if you are just looking for a different amount of term life insurance.  You can also use our term life insurance rates quoting software to get rates for universal life insurance. 

As always, if you need assistance getting term life insurance rates, universal life insurance rates, whole life insurance rates or return of premium (ROP) life insurance rates for a male age 70 or any other age or gender, please call us at 1-888-950-TERM and we will be happy to assist you.

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.

Another type of final expense life insurance is simplified issue final expense.  Simplified issue final expense life insurance requires some underwriting in the form of some yes or no health questions.  If you can answer no to all the yes or no health questions you will be approved for this type of final expense life insurance.  Simplified issue final expense life insurance pays an immediate death benefit.  There is no modified or graded death benefit period in the first 2 or 3 years like with guaranteed issue final expense life insurance policies.

Call InsuranceGlobe.net today for you free final expense life insurance quote at 1-888-950-8376 or email info@insuranceglobe.net.  You can also run instant universal life insurance quotes and instant term life insurance quotes on our website.  Just click on the upper right hand side of this page where it says get an instant life insurance quote quickly and easily.