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

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

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).

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

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.

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.

Heart attacks are one of the leading causes of death in the U.S. 

Heart attacks result from blood vessel disease in the heart.  A heart attack occurs when the supply of blood to an area becomes totally blocked, usually as a result of coronary heart disease.  An area of partial blockage may clot (thrombose) or may rupture causing an obstruction to the blood supply to heart muscle.  If the blood supply is cut off drastically or for a long time, muscle cells suffer irreversible injury and die.  Disability or death can result, depending on how much heart muscle is damaged.

Often times the diagnosis of a heart attack is preceded by feeling severe chest pains, characteristic electrocardiographic changes, and elevated cardiac enzymes.  Silent heart attacks are also common (wherein the patient has no knowledge that a heart attack occured at some time in the past) and many times it is picked up in an ECG while being worked-up for life insurance.  There are times that a coronary artery goes into a temporary spasm.  When this happens the artery narrows and blood flow to part of the heart muscle decreases or even stops.  It is unclear what causes these spasms, but it can happen in normal blood vessels as well as vessels partially blocked by artherosclerosis.  A severe spasm can result in a heart attack.

Whether or not you can get life insurance after a heart attack will depend on several factors.  The following will result in a higher rating.

• younger ages
• more than one heart attack
• ongoing episodes of angina or chest pain
• new ECG changes
• diabetes
• obesity
• uncontrolled hypertension or other cardiovascular or renal disease
• decreased left ventricular function
• the degree of coronary artery disease
• complications such as persistent arrhythmias
• poor lipid control

On the other hand, if you have had a normal follow-up stress electrocardiagram (treadmill test) of adequate duration completed within the past year, it may offset part of the rating.

Most people who have had a heart attack and apply for life insurance will be issued a rated life insurance policy.  Those with one vessel disease, normal left ventricular function, and improved cardiac risk factors may be standard. 

To find out if you can get life insurance after a heart attack please call InsuranceGlobe.net at 1-888-950-8376.

Are you a senior who is thinking about how your loved ones will pay for your final expenses when you are gone?

According to a 2007 survey by AARP, 34 percent of the over-50 population has done some pre-planning and 23 percent have pre-paid a portion or all of the funeral or burial expenses for themselves or someone else. That translates into 20 million people age 50 or older who have already paid some funeral expenses.

A traditional funeral, including a casket and vault, costs about $6,000, according to the Federal Trade Commission (FTC), and additions such as obituary notices, flowers and limousines easily run up the total to over $10,000.

Final expense life insurance for seniors, which is also known as “burial” or “funeral” insurance, is nothing more than a life insurance policy that is typically between $5,000 to $50,000 that you can buy from a life insurance agent. You have the ability to name any beneficiary that you choose. It is then up to the beneficiary to us that money for the purposes that you intended.  However, the beneficiary can legally use the money in any way that they desire.  Therefore, when choosing a beneficiary for your final expense life insurance policy, it is important that you choose a beneficiary that you have a high degree of trust in.

The beneficiary legally could decide to use the money any way they want, so make sure you trust your beneficiary.  If your final expense life insurance death benefit exceeds the cost of your funeral, your beneficiary could use the rest to pay for any remaining debt you have or anything else that they choose. 

Final expense life insurance policies for seniors are usually low face value whole life policies that are issued without any medical exam.

Final expense life insurance policies for seniors are usually either “simplified issue” policies, for which you’re asked several medical questions but don’t have to take a medical exam, or “guaranteed issue,” where the policy is issued to anyone who applies with no medical questions asked.

People who have serious health problems may receive a policy with a “graded death benefit,” which means the coverage amount increases over time and your beneficiaries won’t receive the full face value if you die within the first few years of the policy.

Remember that you can use any life insurance policy to pay for a funeral. However, regular life insurance policies are usually issued with minimum face values of $100k.  That’s why it is more convenient to buy a final expense life insurance policy for seniors if you only need something like $5,000 or $10,000.

If you need a larger life insurance policy over $100,000 then you will probably be better off buying a traditional life insurance policy instead of a final expense life insurance policy for seniors.

To get your free final expense life insurance quote for seniors please call InsuranceGlobe.net at 1-888-950-8376.

AM Best ratings are available for all of the insurance companies on our website for free from InsuranceGlobe.net.  AM Best is a worldwide rating service for insurance companies that has been around since 1899.  They rank insurers by their reliability, ability to pay claims and financial strength.

Don’t risk something happening to you and leaving your family without protection.  It is so cheap to buy life insurance that there is no reason for you to put your family at financial risk in the event of your untimely death.  Get your free life insurance quotes from InsuranceGlobe.net today.  Fill out the form or call us at 1-888-950-8376.