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Final Expense Life Insurance Quotes

Aug 29, 2012 Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Senior Life Insurance, Whole Life Insurance, final expense

Final Expense Life Insurance Quotes

Call us for a Final Expense Life Insurance Quote 1-888-950-8376.

Final expense insurance or burial insurance is a life insurance policy that covers you for life. It does not require a medical exam.  A burial insurance or final expense insurance policy covers the expenses of a funeral.

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Final Expense Life Insurance Quotes Online

Dec 23, 2011 Life Insurance Quotes, Life Insurance Rates, Whole Life Insurance, final expense

Get final expense life insurance quotes online here on the quote form change the level term period to age 121 level (no lapse UL) and to age 121 – pay to 100 to get your final expens life insurance quotes online.

Final expense life insurance policies can now be quoted online.  No exam final expense life insurance policies are availabe up to 50k, depending on your age.  In many cases people with serious medical conditions can qualify for final expense life insurance.  Find out if you qualify today.  Get your final expense life quotes here or call us at 1-888-950-TERM if you need help or if you have any questions.  Final expense life insurance is whole life insurance.  Final expense life insurance rates are guaranteed for life.  Once you receive your final expense life insurance quote online, fill in the information to request your application.  You can get your final expense life insurance policy issued in 24 hours.

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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)

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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.

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Life Insurance Rates for Ages 80 – 85

Jun 24, 2011 Life Insurance Quotes, Life Insurance Rates, Senior Life Insurance, Whole Life Insurance, final expense

Life Insurance Rates for any age here

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?

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Whole Life vs Universal LIfe

May 19, 2011 Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance, Whole Life Insurance

Whole Life vs Universal Life 

1-888-950-TERM or click here for online universal life rate quotes.

For many people owning some term insurance is an effective way to protect their families and others who depend on them, particularly for the short-term. 

Many of these same people, however, also want the added protection and flexibility of permanent insurance but are unsure as to which type is right for their situation. 

The most appropriate type of permanent insurance for your is based on your preferences and attitudes toward a range of factors such as risk preference, flexibility, guarantees and your retirement and legacy objectives. 

If you prefer a policy that that has both guaranteed death benefit protection as well as a guaranteed form of cash value growth, you should look into a whole life policy.  Whole life insurance has guaranteed level premiums, guaranteed cash value and guaranteed death benefits.  Whole life is also eligible to receive annual dividends.  Dividends are not guaranteed; however, if paid they may increase the cash valued and death benefits over time.  In general, a dividend paying whole life policy will cost approximately twice as much as a universal life policy. 

If you prefer a policy with guaranteed death benefit protection over the potential for cash value growth, you should think about universal life insurance with a guaranteed death benefit.  Universal life generally provides a guaranteed premium and can be designed to provide a guaranteed death benefit and typically does not focus on cash value accumulation. 

For an illustration or if you have any questions, please call 1-888-950-TERM. 

For online universal life insurance rate quotes click here.

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Compare Whole Life Insurance Rates

Aug 10, 2010 Life Insurance Quotes, Types of Life Insurance, Whole Life Insurance

InsuranceGlobe.net makes it easy to compare whole life insurance rates. 

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Term vs. Whole Life Insurance

Feb 16, 2010 Life Insurance 101, Life Insurance Quotes, Types of Life Insurance, Whole Life Insurance

 If you are now, or have been in the market to purchase life insurance, you have been faced with the question “what is better for me, term life insurance or whole life insurance?”

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Why Term Life Insurance Makes Sense

Aug 12, 2009 Life Insurance 101, Types of Life Insurance, Whole Life Insurance

One of the first considerations when investigating life insurance

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How To Get A Whole Life Insurance Quote Online

Mar 4, 2009 Whole Life Insurance

You can request a Whole Life Insurance Quote online on our website.  Whole Life Insurance provides guarantees.  It provides lifelong protection through a guaranteed death benefit that never expires. 

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