Second to Die Life Insurance
Oct 14, 2012 Life Insurance Products, Types of Life Insurance, Wealth Transfer
Second to Die Life Insurance
Second to Die Life Insurance Quotes call:
1-888-950-8376
Survivorship life insurance is also known as second to die life insurance. Survivorship life insurance is a kind of life insurance that covers two people on one policy, but only pays out after both insured’s have died.
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Tags: estate planning life insurance, Second to Die Life Insurance, second to die life insurance quotes, SUL, Survivorship Life Insurance
How Much Does Burial Insurance Cost?
Sep 4, 2012 No Exam Life Insurance, Senior Life Insurance, Types of Life Insurance, final expense
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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Tags: burial insurance, burial insurance cost, burial insurance quote, cost of burial insurance, How Much Does Burial Insurance Cost?
Why Cash Value Life Insurance
Jun 26, 2012 Life Insurance 101, Types of Life Insurance, Wealth Transfer
Cash value life insurance can:
- Turn a specified number of premium payments into a large death benefit to protect your loved ones in the event that you die prematurely.
- Can be a smart way to accumulate wealth through its cash value. You could use this cash value for college, unexpected expenses or as an additional source of retirement income without tax implications.
- Move wealth that has been created over a lifetime with an income tax-free death benefit. If properly owned and structured, a life insurance death benefit can be received free of estate taxes.
The benefits of a cash value life insurance policy include:
- Income tax free death benefit paid to beneficiary
- Potential for accumulation of wealth through tax-deferred growth of policy cash values
- No funding limits based on income
- Potential for income tax-free withdrawals and policy loans
- No 10% penalty tax on cash value distributions prior to age 59 1/2
Taxes can potentially have a major impact on the amount of your savings you ultimately get to use. Taxes can also impact the amount of any remaining assets that are received by your beneficiaries. In the last thirty years, U.S. income taxes have been relatively low. The top Marginal Tax Rate for the highest income earners is currently 35%, but the average top rate over the last hundred years has been almost 60%.
Even though the future of income taxes is not known, it would be fair to assume they will continue to fluctuate over time, having high and low periods. With cash value life insurance, you can protect your family and as an additional benefit, you can help reduce exposure to adverse tax impact by shifting your savings to an asset with tax advantages. This move has the potential to improve your financial goals.
Cash value life insurance could be the right decision to help you achieve many of your financial goals. Take a second look at cash value life insurance as an asset for your portfolio. It’s a smart way to accumulate, protect and transfer wealth.
For more information or for a life insurance quote, you can reach us at 1-888-950-TERM.
Tags: benefits of cash value life insurance, cash value life insurance, income tax free death benefit, life insurance as an asset, life insurance quote, Why Cash Value Life Insurance
30 Year Term Life Insurance For A 55 Year Old
May 9, 2012 Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance
Genworth recently announced that they would be withdrawing their Colony Term UL 30, so let’s look at some 30 year term life insurance rates and see where Genworth stands compared to the competition.
$500k 30 Year Term Life Rates for a 55 year old male super preferred non-smoker
| 1. $2,805.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Plus Non-Smoker |
| 2. $2,825.44 per year with Genworth Life and Annuity Insurance Co Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 3. $2,825.44 per year with Genworth Life Insurance Company Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 4. $2,975.00 per year with Pruco Life Insurance Company Term Essential 30 (<250K PruXpress ONLY) Preferred Best |
| 5. $3,050.05 per year with Transamerica Life Insurance Co TransTerm UL 30 Preferred Plus Non-Smoker |
| 6. $3,125.00 per year with Principal National Life Insurance Co 30-Year Term Super Preferred non-tobacco |
| 7. $3,134.00 per year with American General Life Insurance Co Select-a-Term – 30 Year Preferred Plus Non-Tobacco |
| 8. $3,138.96 per year with Protective Life Insurance Company Secure-T – 30 Year No Lapse UL Super Preferred Non-Tobacco |
| 9. $3,248.00 per year with ReliaStar Life Insurance Co (ING) TermSmart 30 – 30 Year Term Super Preferred Non-Tobacco |
| 10. $3,370.00 per year with Independent Order of Foresters Foresters Lifefirst – 30 Year Preferred Plus Non-Tobacco |
Now let’s look at the same scenario for a female:
30 Year Term Life Insurance Rates for a 55 year old female super preferred non-smoker
| 1. $1,525.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Plus Non-Smoker |
| 2. $1,826.72 per year with Genworth Life and Annuity Insurance Co Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 3. $1,826.72 per year with Genworth Life Insurance Company Colony Term UL 30 (200K+) Preferred Best No Nicotine Use |
| 4. $2,070.00 per year with Banner Life Insurance Company OPTerm 30 – 30 Year Term Preferred Non-Smoker |
| 5. $2,135.00 per year with Pruco Life Insurance Company Term Essential 30 (<250K PruXpress ONLY) Preferred Best |
| 6. $2,175.00 per year with Transamerica Life Insurance Co TransTerm UL 30 Preferred Plus Non-Smoker |
| 7. $2,245.00 per year with Principal National Life Insurance Co 30-Year Term Super Preferred non-tobacco |
| 8. $2,249.00 per year with American General Life Insurance Co Select-a-Term – 30 Year Preferred Plus Non-Tobacco |
| 9. $2,259.02 per year with Protective Life Insurance Company Secure-T – 30 Year No Lapse UL Super Preferred Non-Tobacco |
| 10. $2,263.00 per year with ReliaStar Life Insurance Co (ING) TermSmart 30 – 30 Year Term Super Preferred Non-Tobacco |
Call us for a customized life insurance quote at 1-888-950-TERM(8376)
Tags: 30 Year Term Life Insurance For A 55 Year Old, life insurance 55, life insurance 55 year old, life insurance 55 year old female, life insurance 55 year old male, life insurance quote, life insurance rates, term insurance age 55, term life insurance age 55
Best Final Expense Life Insurance Rates Age 70
May 9, 2012 Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance, Uncategorized, final expense
Here are some sample final expense life insurance rates for a 70 year old male on a $10,000.00 policy. These plans do not require an exam, but you do have to answer some medical questions on the application. To find out if you qualify, please call us at 1-888-950-TERM(8376).
| 1. $766.00 per year with Independent Order of Foresters Planright Level Nontobacco Monthly: $67.03 |
| 2. $767.70 per year with Americo Financial Life and Annuity Ins. Ultra Protector I (Simplified Issue) Standard Non-Tobacco Monthly: $69.61 |
| 3. $800.00 per year with Royal Neighbors of America Neighbors Simplified Issue Whole Life Standard Non-Tobacco Monthly: $70.83 |
| 4. $830.10 per year with Assurity Life Insurance Company Level Benefit W/L – Simplified Issue Select Non-Tobacco Monthly: $72.93 |
| 5. $845.23 per year with Columbian Life Insurance Company Dignified Choice – Classic I Whole Life Non-Smoker Monthly: $73.05 |
| 6. $850.00 per year with American Continental Insurance Company Final Expense – Level Benefit Plan Non-Smoker Monthly: $73.54 |
| 7. $867.90 per year with United Home Life Insurance Company Express Issue Premier Whole Life Nontobacco Monthly: $78.30 |
| 8. $870.00 per year with Madison National Life Ins. Company Legacy Select Level Benefit Whole Life Nontobacco Monthly: $80.71 |
| 9. $942.10 per year with United Heritage Life Insurance Company Protector Whole Life – Simplified Issue Non-Tobacco Monthly: $81.96 |
| 10. $996.20 per year with United Home Life Insurance Company Express Issue Deluxe Whole Life Nontobacco Monthly: $92.65 |
Tags: $10, 000.00 policy, Best Final Expense Life Insurance Rates Age 70, do no require an exam, final expense, final expense life insurance, final expense life insurance rates, medical questions, no exam
Lifetime No-Lapse Universal Life Insurance Rates 60 Year Old Male
Apr 28, 2012 Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance
Lifetime No-Lapse Universal Life Insurance Rates – 60 Year Old Male
Lifetime No-Lapse Universal Life Insurance is a type of life insurance that is guaranteed for life. Your premium is guaranteed to never go up as long as you continue to pay on time. If you have ever experienced having to pay higher rates every year on your life insurance and would prefer a policy that is guaranteed for life, then Lifetime No-Lapse Universal Life Insurance may be right for you.
Below you will find lifetime no-lapse universal life insurance rates for a 60 year old male preferred best non-smoker.
100k No-Lapse Universal Life Insurance Rates for a 60 Year Old Male Preferred Best Non-Smoker
| 1. $1,430.45 per year with The Penn Mutual Life Insurance Company Request an Application Guaranteed Protection UL – gtd to 121 Preferred Plus Non-Tobacco Monthly: $126.30 |
| 2. $1,466.00 per year with Banner Life Insurance Company Request an Application Life Choice UL – pay to age 121 Preferred Plus Non-Smoker Monthly: $126.30 |
| 3. $1,484.00 per year with Aviva Life and Annuity Company Request an Application Advantage Builder Series IV w/NLG Premier Non-Tobacco Monthly: $127.92 |
| 4. $1,486.00 per year with Midland National Life Insurance Company Request an Application Essential Guaranteed UL 2 ($25K) Preferred Plus Non-Tobacco Monthly: $130.11 |
| 5. $1,486.00 per year with North American Co for Life and Health Request an Application Custom Guarantee Gen 6 ($25K) Super Preferred Non-Tobacco Monthly: $130.25 |
| 6. $1,513.00 per year with American General Life Insurance Company Request an Application Secure Lifetime GUL – to age 121 Preferred Plus Non-Tobacco Monthly: $132.00 |
| 7. $1,516.02 per year with Protective Life Insurance Company Request an Application Protective Centennial G II UL Select Preferred Non-Tobacco Monthly: $133.00 |
| 8. $1,519.00 per year with North American Co for Life and Health Request an Application TermGUL ($25K) Super Preferred Non-Tobacco Monthly: $133.00 |
| 9. $1,529.78 per year with Hartford Life and Annuity Insurance Co Request an Application Hartford Bicentennial Freedom UL (2011) Preferred Plus Non-Nicotine Monthly: $133.10 |
| 10. $1,534.10 per year with Banner Life Insurance Company Request an Application Life Change UL – pay to age 121 Preferred Plus Non-Smoker Monthly: $133.10 |
To get a personalized quote please call InsuranceGlobe.net at 1-888-950-TERM.
Tags: American General Life Insurance Company, Aviva Life and Annuity Company, Banner Life Insurance Company, Hartford Life and Annuity Insurance Co, life insurance, Lifetime No-Lapse Universal Life Insurance Rates 60 Year Old Male, Midland National Life Insurance Company, no-lapse universal life insurance, no-lapse universal life insurance rates, North American Co for Life and Health, preferred best non-smoker, Protective Life Insurance Company, The Penn Mutual Life Insurance Company, universal life insurance, universal life insurance rates
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.
Guaranteed Universal Life Insurance With Return Of Premium
Feb 2, 2012 Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance
Many of our clients are looking for permanent life insurance quotes. They want to make sure that their policy is there for them when they need it the most. Most insurance companies today sell universal life insurance policies that are guaranteed for life, but have very little cash value accumulation if any. Some of our clients would prefer to have some cash value in their policy just in case they need to cancel their policy in the future. There are a few companies that do offer some type of return of premium feature on their guaranteed universal life insurance policies. These return of premium features allow policyholders to reclaim a large portion of their premium payments and can help you put your mind at ease about purchasing life insurance. These return of premium riders or liquidity riders are included automatically at no cost when you purchase a qualifying policy. The refund percentage schedule is determined by issue age, health class, amount and timing of premium payments and face amount. To get a universal life insurance quote with the return of premium rider please call us at 1-888-950-TERM. Not all policies will be eligible for this rider. Call for details.
Tags: guaranteed universal life insurance, guaranteed universal life insurance quotes, guaranteed universal life insurance rates, guaranteed universal life insurance with return of premium, gul, gul quotes, gul rates, permanent life insurance quotes, permanent life insurance rates, return of premium
Final Expense Whole Life Insurance
Dec 20, 2011 Senior Life Insurance, Types of Life Insurance, Whole Life Insurance, final expense
Final Expense Whole Life Insurance
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)
Tags: final expense, final expense whole life insurance, final expense whole life insurance policy, final expense whole life insurance quotes, final expense whole life insurance rates
Permanent Cash Value Life Insurance
Dec 12, 2011 Life Insurance 101, Life Insurance Products, Types of Life Insurance, Whole Life Insurance
Most people buy life insurance for death benefit protection. However, permanent cash value life insurance can provide value and flexibility for changes in your needs that may arise in years to come.
Permanent cash value life insurance will provide death benefit protection during your working years, but it can also provide supplemental tax free retirement income once you retire. In fact, if you decide to take this income before age 59 1/2 it will still be tax free if taken properly. In addition, there are no contribution limits in a permanent cash value life insurance policy as there are in other retirement vehicles such as a 401(k) or Roth for example.
Another benefit of permanent cash value life insurance is that in many states the cash value in your life insurance policy is protected from creditors.
Term life insurance is great if you need cheap life insurance to protect you for a specific period of time such as 10, 15, 20, 25 or 30 years, but if you want a life insurance policy that will cover you no matter how long you live, you should consider permanent cash value life insurance as an option. Permanent cash value life insurance can replace lost income to your family. It can cover the cost of care provided by a non-earning spouse. It can repay your debt obligations. It can also be used to plan for business succession or estate plan in the event of your premature death.
Some permanent cash value life insurance policies have optional long-term care insurance riders that can be added, so that you can use your life insurance to help cover the cost of long-term care.
We can design your permanent life insurance based upon your individual needs. If you are interested in getting a customized proposal for permanent cash value life insurance, please call us at 1-888-950-TERM.
