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20-Year Level Term – 50 Years Old Male

Admin — Fri, 14 Jun 2013 15:13:41 +0000

20 Year Level Term Life Insurance Rates

50 Years Old MALE; Best Health Category

Face Amount $500,000

	1. $930.00 per year with North American Co for Life and Health ADDvantage 20 Super Preferred Non-Tobacco Monthly: $80.45
	2. $930.00 per year with Ohio National Life Assurance Corporation FlexTerm Series VIII – 20 Year Super Preferred Non-Smoker Monthly: $81.35
	3. $935.00 per year with Savings Bank Life Insurance Co of MA T-20/20 – 20 Year Term Preferred Plus Non-Nicotine Monthly: $81.38
	4. $944.39 per year with Protective Life Insurance Company Custom Choice UL – 20 Year No Lapse Select Preferred Non-Tobacco Monthly: $81.45
	5. $945.00 per year with Ohio National Life Assurance Corporation FlexTerm Series VIII – 20 Year Plus Super Preferred Non-Smoker Monthly: $81.74
	6. $949.00 per year with American General Life Insurance Company Select-a-Term – 20 Year Preferred Plus Non-Tobacco Monthly: $82.08
	7. $950.00 per year with American National Insurance Company ANICO Signature Term 20 Preferred Plus Non-tobacco Monthly: $84.00
	8. $960.00 per year with Banner Life Insurance Company OPTerm 20 – 20 Year Term Preferred Plus Non-Smoker Monthly: $84.00
	9. $960.00 per year with Genworth Life and Annuity Insurance Co Colony Term 20 Preferred Best No Nicotine Use Monthly: $84.00
	10. $960.00 per year with Genworth Life Insurance Company Colony Term 20 Preferred Best No Nicotine Use Monthly: $85.41

You will note that the best 20-YearTerm Rate at this time, for a 50 years old male, best health category, came out to be from NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE. Their ADDvantage 20 product is a term policy with your choice of level premium for 10, 15, 20 or 30 years. It offers different types of riders and endorsements, at additional cost, and it also offers convertibility to a permanent life policy. For a consumer brochure on this product with complete details about it, or to apply for this particular policy, or to explore any other life insurance options, please, call our Toll Free Number 888-950-8376; or write to us at info@insuranceglobe.net.

We look forward to the opportunity of helping you eliminate some of life’s financial risks!

No-Medical Exam Life Insurance

Admin — Thu, 13 Jun 2013 22:21:20 +0000

In most cases life insurance companies require a medical exam as part of the underwriting process. The medical exam is done in order to properly come up with the Health Category of the applicant, and thus the applicable premium. Some companies, however, in response to market demand, do offer no-medical exam life insurance policies. If you are considering, for whatever reason, life insurance without medical exam, you should know that these policies tend to cost more and also offer less coverage. When you apply for life insurance without medical exam, you will be asked by the insurance company to complete a health questionnaire. In most cases, if you answer “YES” to any of the health questions in the health questionnaire, you will not qualify for the policy.

For a sample health questionnaire you will find in most no-medical exam applications, click HERE.

If you are healthy and not in a rush to get the policy ASAP, you should go for the fully underwritten policy (which includes a medical exam). The medical exam allows the insurance company to fully evaluate the risk and thus offer the most competitive premium possible that matches the risk.

While we are on the subject, less talk briefly about the medical exam. It does not cost anything to the applicant (the insurance company pays for it) and it is done at the time and place of choice of the applicant. It will include one or more of the following: urine sample; blood sample; blood pressure measurement; height and weight measurement; pulse measurement; resting (not on a tread mill) EKG. Taking the medical exam does not commit you to buy the policy and, in most cases, you do, upon request, get the results of the medical exam regardless of whether or not you buy the policy.

Whether it is a no-medical insurance or a fully underwritten policy, we can help you find the best and most affordable policy that meets your specific requirements and needs. You may contact us by either calling our Toll Free Number 888-950-8376; or click CONTACT US and provide your contact information; or, email us at info@insuranceglobe.net.

We look forward to the opportunity of helping you eliminate some of the financial risks in your life!

20-Year Level Term – 50 Years Old Female

Admin — Sun, 09 Jun 2013 13:18:05 +0000

1. $665.00 per year with Ohio National Life Assurance Corporation

Flex Term Series VIII – 20 Year Super Preferred Non-Smoker

Monthly: $57.52

2. $675.00 per year with Lincoln National Life Insurance Company

Life Element (SM) Level Term – 20 Year Preferred Plus Non-tobacco

Monthly: $59.11

3. $685.00 per year with Savings Bank Life Insurance Co of MA

T-20/20 – 20 Year Term Preferred Plus Non-Nicotine

Monthly: $59.60

4. $685.37 per year with Protective Life Insurance Company

Custom Choice UL – 20 Year No Lapse Select Preferred Non-Tobacco

Monthly: $59.69

5. $690.00 per year with Ohio National Life Assurance Corporation

Flex Term Series VIII – 20 Year Plus Super Preferred Non-Smoker

Monthly: $60.08

6. $725.00 per year with Security Mutual Life Insurance Co of NY

LT Security Plus 20-Year Preferred Plus Nonsmoker

Monthly: $63.07

7. $730.00 per year with American National Insurance Company

ANICO Signature Term 20 Preferred Plus Non-tobacco

Monthly: $64.31

8. $735.00 per year with Genworth Life and Annuity Insurance Co

Colony Term 20 Preferred Best No Nicotine Use

Monthly: $64.31

9. $735.00 per year with Genworth Life Insurance Company

Colony Term 20 Preferred Best No Nicotine Use

Monthly: $64.38

10. $740.00 per year with Banner Life Insurance Company

OPTerm 20 – 20 Year Term Preferred Plus Non-Smoker

Monthly: $64.75

If you would like to request an application regarding any of the above policies, or would like to find out more about any of them, or to explore other life insurance options, please click on REQUEST AND APPLICATION, provide us with as much of the information requested as you can, forward it to us, and one of our licensed agents will contact you ASAP! Term Life Insurance is the most inexpensive way to provide your family with death benefit protection. With the death benefit from your policy you can protect your family from financial devastation caused by your death. Your family could be able to pay for the mortgage; pay off debts; pay for funeral expenses; pay for your children’s education; etc. You may also want to consider a term life insurance policy that is convertible to whole life and then have the option of enjoying the benefits that a permanent policy has, such as cash value accumulation. To find out more about your options, click on CONTACT US, to make a request and one of our licensed agents will contact you ASAP!

Term Insurance Rates for 50-Year Old

Admin — Sun, 02 Jun 2013 15:26:49 +0000

FACE AMT: $1,000,000	NON-SMOKER	MO. RATES

HEALTH RATINGS	10-YR TERM	20-YR TERM	30-YR TERM	PERMANENT
Male – Preferred Plus	75.69	152.25	258.39	682.00
Male – Preferred	100.77	182.08	329.73	747.00
Male – Standard Plus	125.91	244.71	413.91	893.00
Male – Standard	170.84	289.25	505.52	893.00

Female – Preferred Plus	62.04	106.83	178.00	593.00
Female – Preferred	80.52	131.91	226.06	645.35
Female – Standard Plus	106.65	170.91	290.58	739.00
Female – Standard	119.25	215.82	368.38	739.00

Term life insurance is the least expensive life insurance you can buy if you are looking for protection for a specific number of years. AGE, SEX and whether the applicant is a SMOKER are three of the most clearly determinable factors affecting the premium. Meaning, the older you are, the most expensive the policy will be; for smokers life insurance is also more costly. Most life insurance companies have 4 underwriting classes, namely, PREFERRED PLUS, PREFERRED, STANDARD PLUS AND STANDARD. PREFERRED PLUS results in the least expensive premium and then it goes up through STANDARD. The factors that the underwriting department of the life insurance company takes in consideration, besides AGE, SEX and TOBACCO USE in order to arrive at a Health Rate, are: a) family medical history; b) blood pressure; c) health history; c) cholesterol level; d) alcohol/substance abuse; e) driving history; f) leisure activities such as biking, or diving, or piloting airplanes, etc.; and g) others.

FOR DETAILS REGARDING THE ABOVE RATES, SUCH AS THE OFFERING LIFE INSURANCE COMPANY, AND/OR TO FIND OUT FOR WHICH PREMIUM YOU WOULD QUALIFY, PLEASE CONTACT US AT INSURANCE GLOBE PARTNERS, LLC, BY CALLING OUR TOLL-FREE NUMBER 888-950-8376, OR WRITE TO US AT INFO@INSURANCE GLOBE.NET

Term to Perm

Admin — Sun, 26 May 2013 12:47:19 +0000

TERM TO PERM

Before we dive into the topic of whether to get term life insurance or permanent life insurance, below, for your evaluation, are current rates for a handful of ages and terms.

$1,000,-000 Term Life Insurance
Best Health Category
Monthly Rates

Male
AGE	10-YR	20-YR	30-YR
25	20.33	35.67	54.81
30	20.33	35.67	59.16
35	20.33	37.63	68.73
40	27.25	54.06	97.20
45	47.14	99.18	161.82
50	75.69	152.25	258.39

Female
AGE	10-YR	20-YR	30-YR
25	17.08	27.09	43.50
30	18.48	30.45	46.11
35	18.60	31.57	57.42
40	25.52	44.55	78.30
45	39.59	64.59	111.26
50	62.04	106.83	178.00

The source for the rates was a search engine powered by Compulife. The actual health category is determined by the insurance company upon receipt of a properly executed application and completion of the underwriting process. For specifics regarding these rates, such as offering life insurance company, or to find out if you qualify, please contact INSURANCE GLOBE PARTNERS are our Toll Free Number (888) 950-8376, or write to us at info@insuranceglobe.net

The heading “TERM TO PERM”, of course, refers to whether one should purchase term life insurance or permanent life insurance. The answer, as you might expect, is “it depends”. If you are looking for life insurance and cannot afford permanent life insurance, then you need to consider term life insurance. The one topic this article addresses is that when selecting term life insurance, you need to be aware that, among other factors affecting your decision, there is a “BASIC” type of life insurance that offers only life insurance protection for a set time period, such as 10, 20, 30 years, and that in some limited cases may be convertible to just one type of a permanent life policy of the same insurance company issuing the term policy. Then there is a “PLUS” type term life policy that allows the holder to convert to any of the permanent, or whole life, policies of the policy issuer. The PLUS policy costs more but the applicant should consider whether it is worth to pay a few extra bucks in order to get a product with a more extensive conversion option. And why should the convertible product be considered? On conversion the new premium is calculated on the applicant’s age at the time of conversion, but, and this is important, at the original underwriting class. This means that if the applicant was PREFERRED BEST initially, the conversion is calculated using the same Health Category of PREFERRED BEST, regardless of the health situation of the applicant at the time of conversion. In addition, there are policies that will apply a conversion credit when policyholders convert their term life insurance policies. In some cases the conversion credit is the entire cumulative premium for the first 3 or 5 years of the policy. If you are interested to explore converting an existing term policy to a permanent policy, or would like to evaluate obtaining a term policy with conversion options, please, give us a call at our Toll Free Number (888) 950-8376, or click on Contact Us, forward your request and one of our licensed agent will contact you ASAP!

We look forward to the opportunity of being your Internet-based life insurance agent!

20-Year Term Life Insurance for a 65-Year Old

Admin — Tue, 14 May 2013 14:38:48 +0000

If you are a 65-Years Old MALE, non-smoking, and because of your good health condition are able to qualify for Health Category PREFERRED PLUS (the best) rates, you may be eligible for:

$786.00 per year with Genworth Life and Annuity Insurance Co
$50,000 Colony Term 20 Preferred Best No Nicotine Use
Monthly: $68.78

If you are a 65-Years Old FEMALE, non-smoking, and because of your good health condition are able to qualify for Health Category PREFERRED PLUS (the best) rates, you may be eligible for:

$597.00 per year with Genworth Life and Annuity Insurance Co
$50,000 Colony Term 20 Preferred Best No Nicotine Use
Monthly: $52.24

GENWORTH’s Colony Term UL-20 is a flexible-premium adjustable life insurance policy that lets you plan your premium payments to be similar to term insurance premiums. It contains a death benefit guarantee that you can choose to maintain by paying premiums periodically and that are comparable to term life insurance premiums. You can extend coverage beyond the initial period by simply paying higher premiums. For copy of a customer brochure containing a detailed description of this life insurance product, please click on CONTACT US and make a request providing your e-mail address so that we may e-mail you said brochure.

If you would like to file an application at this time and find out if you qualify for the above rates, you may also click on CONTACT US and let us know.

Or, if you would like to explore other life insurance options, or to request a free evaluation, please, click on REQUEST FREE CONSULTATION, provide the information requested and send it to us by clicking SUBMIT at the bottom of the form.

We look forward to the opportunity of being your Internet-based life insurance agent!

Life Insurance For Seniors

Admin — Mon, 22 Apr 2013 20:10:54 +0000

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 Quote Online

Admin — Thu, 28 Mar 2013 20:14:13 +0000

If you are looking for a life insurance quote online, look no more. Visit our website at www.insuranceglobe.net and there you can obtain instant quotes for Term Life Insurance, Universal Life Insurance and Return of Premium Life Insurance. Once you have made a decision as to the face amount of the policy, the type, the term and the premium you can afford, click on Request an Application to start the process of filing an application with the insurance company you have selected. Or you may click on Request Free Evaluation, provide your specific information, click on Send, and one of our licensed agents will contact you with recommendations as to the best life insurance options for you.

Besides Date of Birth, Face Amount, Term, whether or not you use, or have used, Tobacco Products, etc., which is all straight forward data, you also need to make a choice about your Health Category. Some folks tend to overestimate the quality of their health. Others are not completely truthful about it hoping the insurance company will not catch on the existing heart condition, or similar health issue. The fact is that insurance companies, during the underwriting process, carefully review medical records and related information as a result of which they can establish the correct Health Category for the applicant, a very important element in determining the cost of life insurance. So it is better to be accurate and thorough which will save time to all involved.

In any event, as you may be aware, the Health Categories are, from top (least expensive premium) to bottom (most costly premium): Preferred Best, Preferred, Standard Plus and Standard.

So, while it may sound complicated to obtain a simple life insurance quote, it is not. And to make it even easier for you, one of our licensed agents can help you through the process. When you visit our website, www.insuranceglobe.net , check us by clicking About Us in the navigation menu.

We hope this article has been informative and look forward to working with you.

Life Insurance with Mitral Valve Prolapse

Admin — Sat, 20 Oct 2012 02:31:13 +0000

Life Insurance with Mitral Valve Prolapse - Today I got a call from a 64 year old male with a condition called Mitral Valve Prolapse (MVP). He was looking for $200k of 20 year term life insurance. He wanted to know how he would be rated for his condition.

Mitral valve prolapse is one of the most common heart valve lesion there is. It affects both men and women and it has been estimated to occur in 5 – 15% of young women. Many with MVP have no symptoms. Others however can experience chest pain, palpitations, shortness of breath or dizziness. The best way to diagnose MVP is through an echocardiogram.

For most who apply for life insurance with mitral valve prolapse, the prognosis is normal and therefore the condition is not rated. Sometimes applicants with MVP have mitral valve insufficiency and will be rated based on age and severity. If underlying causes are found or if serious complications/symptoms develop, the applicant will be rated and sometimes declined.

If you are looking for life insurance quotes with mitral valve prolapse, please call us with the answers to the following questions.

How long has the condition been present?
Have you had any of the following – chest pain, palpitations, trouble breathing, dizziness?
Is there a history of any other heart disease in addition to the mitral valve prolapse?
Has an echodchardiogram been done? If so, please submit a copy of the results
Are you on the any medications? If so, please give details
Have smoked cigarettes in the last 12 months?
Do you have any other major health problems?

To get your life insurance rates with mitral valve prolapse, please call us at 1-888-950-TERM (8376).

Life Insurance With High Cholesterol: How Will High Cholesterol Blood Levels Impact Your Life Insurance Quotes

Admin — Thu, 18 Oct 2012 21:48:56 +0000

Life Insurance With High Cholesterol - I recently got a call from a 47 year old male looking for life insurance quotes. He is a banker making $80,000/year and he has no life insurance. He has a wife and a 12 year old son. He wanted a quote for $1 million of 30 year term. One of his high school classmates recently died of a heart attack and that got him thinking. Then, he went to have a physical and found out that his blood cholesterol level was 300 and his hdl ratio was 7.0. Now this gentleman doesn’t want to go on cholesterol medication yet, he wants to try and lower his cholesterol blood level through exercise and dieting, but he doesn’t want to wait to get life insurance. He wants to see what he can get right now, because the death of his high school classmate reminded him that you never know when it’s your time.

Life Insurance Quotes With High Blood Cholesterol

Here were the top 7 quotes I found him with his cholesterol blood level of 300.

30 Year Term $1 million 47 year old male with high cholesterol in blood of 300

Pruco Life $3,615/yr
United of Omaha $4,522.50/yr
Transamerica $4,670/yr
SBLI $4,990/yr
Banner $5,095/yr
MetLife $5,149/yr
LBL $5,885/yr

If he starts taking cholesterol medication and is able to lower his cholesterol, then he can significantly lower his term life insurance rates. If he is successful in lowering his cholesterol blood level, we will replace his life insurance at a lower rate, but for now he decided to apply with Pruco Life for $3,615/yr.

If you would like us to shop your case, please don’t hesitate to call me, Victor Suris at 1-888-950-TERM (8376).