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Life Insurance For Seniors

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!

Life Insurance for Seniors Over 80

Yes, we do sell life insurance for seniors over 80.  Most seniors over 80 are looking for smaller life insuance policies that do not require an exam.  Below you will find life insurance rates for seniors over 80.

$10,000 life insurance policy for male senior age 81

1.   $1,632.10 per year with Americo Financial Life and Annuity Ins.      
           Ultra Protector I (Simplified Issue)    Standard Non-Tobacco
           Monthly: $144.03
2.   $1,646.00 per year with Independent Order of Foresters      
           Planright Level    Nontobacco
           Monthly: $145.00
3.   $1,740.00 per year with American Continental Insurance Co      
           Final Expense – Level Benefit Plan    Non-Smoker
           Monthly: $152.78
4.   $1,756.13 per year with Columbian Life Insurance Company      
           Dignified Choice – Classic I Whole Life    Non-Smoker
           Monthly: $154.01
5.   $1,770.00 per year with Royal Neighbors of America      
           Neighbors Simplified Issue Whole Life    Standard Non-Tobacco
           Monthly: $155.05
6.   $1,840.00 per year with Madison National Life Insurance Co      
           Legacy Select Level Benefit Whole Life    Nontobacco
           Monthly: $165.60
7.   $2,051.00 per year with United Heritage Life Insurance Co      
           Protector Whole Life – Simplified Issue    Non-Tobacco
           Monthly: $178.44

 

$10,000 life insurance policy for female senior age 81

1.   $1,270.00 per year with Royal Neighbors of America      
           Neighbors Simplified Issue Whole Life    Standard Non-Tobacco
           Monthly: $110.51
2.   $1,276.00 per year with Independent Order of Foresters      
           Planright Level    Nontobacco
           Monthly: $111.65
3.   $1,285.90 per year with Americo Financial Life and Annuity Ins.      
           Ultra Protector I (Simplified Issue)    Standard Non-Tobacco
           Monthly: $116.18
4.   $1,335.43 per year with Columbian Life Insurance Company      
           Dignified Choice – Classic I Whole Life    Non-Smoker
           Monthly: $116.67
5.   $1,400.00 per year with American Continental Insurance Co     
           Final Expense – Level Benefit Plan    Non-Smoker
           Monthly: $122.16
6.   $1,420.00 per year with Madison National Life Insurance Co      
           Legacy Select Level Benefit Whole Life    Nontobacco
           Monthly: $127.80
7.   $1,592.00 per year with United Heritage Life Insurance Co      
           Protector Whole Life – Simplified Issue    Non-Tobacco
           Monthly: $138.50

 

If you would like a life insurance quote for a senior over the age of 80, please don’t hesitate to contact us at 1-888-950-TERM(8376).

Best Final Expense Life Insurance Rates Age 70

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

Earn 3.50% Fixed Interest Guaranteed for 6 Years

If you are looking for guaranteed growth or guaranteed income, we currently have a fixed annuity paying 3.5% interest guaranteed for 6 years.  This fixed cd-type annuity is available for issue ages 0-80.  If you need income, you can take out up to 10% per year without a penalty.  Qualified and non-qualified money is accepted.  This probably won’t last long.

Call 1-888-950-8376 for more information.

20 Year Term Life Insurance Rates for a 50 Year Old Male $500,000 Preferred Best Non-Smoker

20 Year Term Life Insurance Rates for a 50 Year Old Male – $500,000 Preferred Best Non-Smoker Rates

1. $930.00 per year with Midland National Life Insurance Company Request an Application
Premier CS4 – 20 Year Term Preferred Plus Non-tobacco
Monthly: $81.04
2. $930.00 per year with North American Co for Life and Health Request an Application
ADDvantage 20 Super Preferred Non-Tobacco
Monthly: $81.04
3. $945.00 per year with Banner Life Insurance Company Request an Application
OPTerm 20 – 20 Year Term Preferred Plus Non-Smoker
Monthly: $81.28
4. $949.00 per year with American General Life Insurance Company Request an Application
Select-a-Term – 20 Year Preferred Plus Non-Tobacco
Monthly: $81.38
5. $950.00 per year with Ohio National Life Assurance Corporation Request an Application
Term 20 Super Preferred Non-Smoker
Monthly: $81.69
6. $950.00 per year with Savings Bank Life Insurance Co of MA Request an Application
T-20/20 – 20 Year Term Guaranteed 20 Preferred Plus Non-Nicotine
Monthly: $82.65
7. $958.14 per year with Genworth Life and Annuity Insurance Co Request an Application
Colony Term UL 20 (200K+) Preferred Best No Nicotine Use
Monthly: $82.69
8. $958.14 per year with Genworth Life Insurance Company Request an Application
Colony Term UL 20 (200K+) Preferred Best No Nicotine Use
Monthly: $82.88
9. $961.96 per year with Protective Life Insurance Company Request an Application
Secure-T – 20 Year No Lapse UL Super Preferred Non-Tobacco
Monthly: $83.04
10. $973.00 per year with ReliaStar Life Insurance Company (ING) Request an Application
TermSmart 20 – 20 Year Term Super Preferred Non-Tobacco
Monthly: $84.15

Life Insurance Quote For People With Type 2 Diabetes

If you have type 2 diabetes and would like to get a very competitive life insurance quote, we can help you.

In order to get you a competitive life insurance quote, we will need some information regarding your type 2 diabetes.  First and foremost, we need to know your most recent HbA1c level.  This is the main thing that life insurance companies look at.  The HbA1c level measures your average blood sugar levels over the last 6 to 12 weeks.  For someone with diabetes the goal is to be under 7%.  In addition, the life insurance companies will want to know the following:

  • Age of diabetes onset
  • Height and weight
  • Medications and dosages
  • Complications from diabetes
  • Are you a smoker?
  • Any other medical conditions?

For a competitive life insurance quote, call us today at 1-888-950-TERM and we will take this information and shop it to all the life insurance companies we work with to get you the lowest price possible on your life insurance.

30yr Term Life Insurance Rates Age 65

Yes you can still get 30yr term life insurance rates at age 65 and it’s a pretty good deal.  30yr term life insurance at age 65 will take you to age 95.  If your not dead by age 95, your out of luck.  If you are seriously worried about living beyond age 95, buy a universal life insurance policy which will cover you forever, as in until the day you die.  Yes, you can buy a universal life insurance policy that is guaranteed to cover you forever as long as you pay your premiums on time.  For the rest of you 65 year olds who believe a 30 year term life policy will be enough, please see 30 year term life insurance rates for age 65 below.  These are standard non-smoker rates for a male and for a female.  To find out what rate you will qualify for, please call us at 1-888-950-8376.  We specialize in impaired risk life insurance, so if you have some type of medical history that you are not sure about, please call us and we will see what we can do for you.

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

1.   $11,476.10 per year with Genworth Life and Annuity Insurance Co    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $979.72
2.   $11,476.10 per year with Genworth Life Insurance Company    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $979.72
3.   $11,541.36 per year with Lincoln National Life Insurance Company    
           Lincoln DurationGuarantee UL – 30 Year    Standard Non-tobacco
           Monthly: $1,062.43
4.   $12,510.00 per year with Transamerica Life Insurance Company    
           TransTerm UL 30    Non-Smoker
           Monthly: $

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

1.   $8,405.99 per year with Genworth Life and Annuity Insurance Co    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $715.58
2.   $8,405.99 per year with Genworth Life Insurance Company    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $715.58
3.   $8,424.70 per year with Lincoln National Life Insurance Company    
           Lincoln DurationGuarantee UL – 30 Year    Standard Non-tobacco
           Monthly: $846.23
4.   $9,975.00 per year with Transamerica Life Insurance Company    
           TransTerm UL 30    Non-Smoker
           Monthly: $

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

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