Permanent Cash Value Life Insurance

Dec 12, 2011 Life Insurance 101, Life Insurance Products, Types of Life Insurance, Whole Life Insurance Leave a comment

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.

Lifetime Guarantee Universal Life Insurance Quotes for a Male Age 30

Aug 16, 2011 Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance Leave a comment

Lifetime Guarantee Universal Life Insurance Quotes 

Are you looking for lifetime guarantees in your life insurance policy?  Lifetime Guarantee Universal Life Insurance is a type of permanent life insurance policy with premiums that are guaranteed to never increase for the rest of your life.  You will have peace of mind knowing that your premiums will not go up when you least expect it and that your policy will be there to provide a tax-free death benefit to your loved ones when they need it the most.  The death benefit from a lifetime guarantee universal life insurance policy will be there to make sure your plans for your family are realized even after you are gone.                                

Some of the common reasons for buying life insurance 

• Provide money so that your family can remain in their home and continue the lifestyle they are used to.
• Ensure your spouse can keep his or her plans for retirement.
• Continue to fund college for your children.
• Pay any remaining bills or final expenses. 

You decide the duration of your death benefit guarantee 

If you feel you don’t need a lifetime guarantee on your universal life insurance policy, we can customize your policy to fit your needs.  For example, if you feel that you only need guarantee universal life insurance coverage to age 90, we can design a policy that will be guaranteed to age 90 and your premiums will be lower than if you bought a policy with a lifetime guarantee universal life insurance policy.  If you are not sure how long of a guarantee you want, we can give you guarantee universal life insurance quotes for different guarantee periods.  We can give you guarantee universal life insurance quotes for coverage to age 85, 90, 95, 100, 105, etc.  Then you can look at how much you would save by reducing the guarantee period and decide which option is best for you. 

If you would like to speak to a licensed agent to discuss your life insurance needs or request life insurance quote, please call us at 1-888-950-TERM. 

Lifetime Guarantee Universal Life Insurance Quotes for a Male Age 30 

1.   $3,348.00 per year with Midland National Life Insurance Company             Essential Guaranteed UL 2 ($250K)    Super Preferred Non-Tobacco

2.   $3,348.00 per year with North American Co for Life and Health             Custom Guarantee Gen 6 ($250K)    Super Preferred Non-Tobacco

3.   $3,363.52 per year with The Penn Mutual Life Insurance Company             Guaranteed Protection UL – gtd to 121    Preferred Plus Non-Tobacco

4.   $3,374.00 per year with Aviva Life and Annuity Company             Advantage Builder Series IV w/NLG    Premier Non-Tobacco

5.   $3,382.90 per year with Pruco Life Insurance Company             UL Protector with NLG to 121 (1000K+)    Preferred Plus Non-Tobacco

6.   $3,461.00 per year with Aviva Life and Annuity Company             Guarantee UL Solution Series III    Premier Non-Tobacco

7.   $3,495.00 per year with American General Life Insurance Company             Secure Lifetime GUL – to age 121    Preferred Plus Non-Tobacco

8.   $3,500.99 per year with Transamerica Life Insurance Company             TransACE 2010 – No Lapse UL to 121    Select Non-Smoker

9.   $3,501.00 per year with Banner Life Insurance Company             Life Choice UL – pay to age 121    Preferred Plus Non-Smoker

10.   $3,513.00 per year with Aviva Life and Annuity Company             Advantage Builder Series IV w/NLG    Preferred Non-Tobacco

15 Year Level Term Life Insurance Rates 63 Male

Aug 9, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment

I just got a call from a 63 year old male attorney in New Jersey looking for 15 year level term life insurance rates for $500,000.00.  Based on his height and weight and the medications he is on he will probably qualify for standard non-tobacco rates.  I sent him an email with the 7 lowest standard non-tobacco 15 year level term insurance rates available.  See below.

1.   $5,130.00 per year with Assurity Life Insurance Company                Term 350 Plus – 15-year Term    Standard Non-Tobacco

2.   $5,405.00 per year with Pruco Life Insurance Company                Term Essential 15 (<250K PruXpress ONLY)    Non-smoker

3.   $5,545.00 per year with Midland National Life Insurance Company                Premier CS4 – 15 Year Term    Non-tobacco

4.   $5,545.00 per year with North American Co for Life and Health                ADDvantage 15    Standard Non-Tobacco

5.   $5,550.00 per year with Ohio National Life Assurance Corporation                Term 15    Non-Smoker

6.   $5,680.00 per year with Savings Bank Life Insurance Co of MA                T-15/15 – 15 Year Term Guaranteed 15    Standard Non-Nicotine

7.   $5,735.00 per year with Ohio National Life Assurance Corporation                Term 15 Plus    Non-Smoker If you need life insurance quotes for term, universal, whole life or return of premium, please call us at 1-888-950-TERM.

Best Guaranteed Universal Life Insurance Rates To Age 100 Female Age 44

Aug 6, 2011 Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance Leave a comment

Best Guaranteed Universal Life Insurance Rates To Age 100 Female Age 44

Guaranteed universal life insurance to age 100 provides you with a a guaranteed death benefit to age 100 and premiums that are guaranteed to never increase through age 100 as long as you pay your premiums on time.  If you are concerned about what will happen after your 10, 15, 20, 25 or 30 year level term policy reaches the end of the level term period and you would like to keep your coverage through age 100 without premiums that increase every year, then you should consider buying a guaranteed universal life insurance policy.

Below are our best guaranteed universal life insurance rates to age 100 for a female age 44:

1. $2,215.54 per year with Genworth Life and Annuity Insurance Co Colony SM LifeLong UL – to age 100 Preferred Best No Nicotine Use Monthly: $187.51

2. $2,215.54 per year with Genworth Life Insurance Company Colony SM LifeLong UL – to age 100 Preferred Best No Nicotine Use Monthly: $187.51

3. $2,283.76 per year with Pruco Life Insurance Company UL Protector with NLG to 100 (250K-999K) Preferred Plus Non-Tobacco Monthly: $214.04

4. $2,430.00 per year with American General Life Insurance Company Secure Lifetime GUL – to age 100 Preferred Plus Non-Tobacco Monthly: $214.04

5. $2,507.66 per year with Protective Life Insurance Company Centennial G II UL – to age 100 Select Preferred Non-Tobacco Monthly: $214.46

6. $2,507.66 per year with West Coast Life Insurance Company LifeTime Platinum III – to age 100 Super Preferred Non-Tobacco Monthly: $214.46

7. $2,532.95 per year with Genworth Life and Annuity Insurance Co Colony SM LifeLong UL – to age 100 Preferred No Nicotine Use Monthly: $221.67

8. $2,532.95 per year with Genworth Life Insurance Company Colony SM LifeLong UL – to age 100 Preferred No Nicotine Use Monthly: $221.67

9. $2,547.15 per year with United of Omaha Life Insurance Company Guaranteed Universal Life – to 100 Preferred Plus Non-Tobacco Monthly: $228.00

10. $2,597.57 per year with Genworth Life and Annuity Insurance Co GenGuard UL – no lapse UL to 100 (b2) Preferred Best No Nicotine Use Monthly: $239.96

If you have an old universal life insurance policy with cash value, you may want to look at your annual statements to see when the policy is scheduled to lapse.  We have found while doing life insurance reviews, that most people don’t look at their annual statements and have no idea when their policy is going to expire.  They usually get their statements in the mail and don’t really look at them and the agent that sold them the policy many years ago has never called them to review their policy and make sure that it is performing as expected.  Most universal life insurance annual statements will tell you when your policy is going to lapse if you continue paying the same premium and some will also tell you when the policy will lapse if you pay no further premiums.  The good news is that you may be able to transfer the cash value in your old universal life policy that has no guarantees to a new universal life policy with guarantees and actually pay less than what you are currently paying.  If you would like us to review your current life insurance policy, please call us at 1-888-950-TERM.

20 Year Term Life Insurance Rates Female Age 43 Preferred Best Non Smoker

Aug 5, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment

20 Year Term Life Insurance Rates Female Age 43 Preferred Best Non Smoker 

We have a free online term life insurance quote engine on our website.  You can use it to run your own term life insurance quotes for just about any amount, age, health class or gender.  You can get rates for 5 year term life insurance, 10 year term life insurance, 15 year term life insurance, 20 year term life insurance, 25 year term life insurance and 30 year term life insurance rates.  You can also get return of premium term life insurance rates and unviersal life insurance rates.  You can do all of this without ever speaking to an agent.  If you want someone to call you, just enter your contact information when you run your free online life insurance quotes.  If not, just leave the contact information blank.   

We are also impaired risk specialists.  If you have some significant medical history, give us a call and we will help you get the best rate on your life insurance policy.  You can reach us at 1-888-950-TERM. 

Below you will find 20 Year Term Life Insurance Rates on a $500,000.00 policy for a female age 43 preferred best non-smoker. 

1.   $235.00 per year with Ohio National Life Assurance Corporation     

           Term 10    Super Preferred Non-Smoker 

           Monthly: $20.92 

2.   $250.00 per year with Ohio National Life Assurance Corporation     

           Term 10 Plus    Super Preferred Non-Smoker 

           Monthly: $22.25 

3.   $258.00 per year with ReliaStar Life Insurance Company (ING)     

           TermSmart 10 – 10 Year Term    Super Preferred Non-Tobacco 

           Monthly: $22.50 

4.   $260.00 per year with Banner Life Insurance Company     

           OPTerm 10 – 10 Year Term    Preferred Plus Non-Smoker 

           Monthly: $22.58 

5.   $260.00 per year with Savings Bank Life Insurance Co of MA     

           T-10/10 – 10 Year Term Guaranteed 10    Preferred Plus Non-Nicotine 

           Monthly: $22.62 

6.   $270.00 per year with Royal Neighbors of America     

           Royal Advantage 10 – 10 Year Level Term    Super Preferred Non-Tobacco 

           Monthly: $22.75 

7.   $270.00 per year with Symetra Life Insurance Company     

           10 Year Level Term    Preferred Best Non-Nicotine 

           Monthly: $23.03 

8.   $270.00 per year with Union Central Life Insurance Company     

           Keystone Term 10    Preferred Plus Non-Tobacco 

           Monthly: $23.03 

9.   $272.05 per year with Genworth Life and Annuity Insurance Co     

           Colony Term UL 10 (200K+)    Preferred Best No Nicotine Use 

           Monthly: $23.24 

10.   $272.05 per year with Genworth Life Insurance Company     

           Colony Term UL 10 (200K+)    Preferred Best No Nicotine Use 

           Monthly: $23.63

20 Year Level Term Life Insurance Quotes Online Female Age 42 Super Preferred

Aug 4, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment

20 Year Level Term Life Insurance Quotes Online Female Age 42 Super Preferred

Instant Online Term Life Insurance Quotes Free <—– click here or Call 1-888-950-TERM

Below are our best 20 year level term life insurance quotes for a female age 42 super preferred non-smoker for a $500,000.00 policy.

1.   $390.00 per year with Ohio National Life Assurance Corporation                  Term 20    Super Preferred Non-Smoker            Monthly: $33.75

2.   $400.00 per year with Ohio National Life Assurance Corporation                  Term 20 Plus    Super Preferred Non-Smoker            Monthly: $34.71

3.   $405.00 per year with Royal Neighbors of America                  Royal Advantage 20 – 20 Year Level Term    Super Preferred Non-Tobacco            Monthly: $35.24

4.   $405.00 per year with Savings Bank Life Insurance Co of MA                  T-20/20 – 20 Year Term Guaranteed 20    Preferred Plus Non-Nicotine            Monthly: $35.44

5.   $405.00 per year with Symetra Life Insurance Company                  20 Year Level Term    Preferred Best Non-Nicotine            Monthly: $35.60

6.   $410.00 per year with Banner Life Insurance Company                  OPTerm 20 – 20 Year Term    Preferred Plus Non-Smoker            Monthly: $35.88

7.   $424.00 per year with American General Life Insurance Company                  Select-a-Term – 20 Year    Preferred Plus Non-Tobacco            Monthly: $36.92

8.   $428.00 per year with ReliaStar Life Insurance Company (ING)                  TermSmart 20 – 20 Year Term    Super Preferred Non-Tobacco            Monthly: $36.92

9.   $435.00 per year with Columbus Life Insurance Company                  Nautical Term – 20 Year    Super Preferred Non-tobacco            Monthly: $36.98

10.   $435.00 per year with Hartford Life and Annuity Insurance Co                  Hartford Bicentennial Term 20    Preferred Best Non-Nicotine            Monthly: $37.10

We will help you shop for the lowest life insurance rates in the country and answer any questions you have.  We also provide universal life insurance quotes, return of premium term life insurance quotes, whole life insurance quotes, final expense life insurance quotes, no exam life insurance quotes, simplified issue life insurance quotes, guaranteed issue life insurance quotes, graded death benefit life insurance quotes, survivorship universal life insurance quotes, second to die life insurance quotes, last to die life insurance quotes and index universal life insurance quotes.

20 Year Term Life Insurance Rates Female Age 41 Preferred Plus Non-Smoker

Aug 4, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment

20 Year Term Life Insurance Rates Female Age 41 Preferred Plus Non-Smoker

Instant Free Online Term life Insurance Rates for any age, gender, health class or amount just click on this hyper link and fill out the form and you will get instant online term life insurance quotes.  If you prefer to call us you can reach us at 1-888-950-TERM.

Below are our top 10 best $500,000.00 20 year term life insurance rates for a female age 41 preferred plus non-smoker:

1. $330.00 per year with Ohio National Life Assurance Corporation Term 20 Super Preferred Non-Smoker Monthly: $29.15

2. $335.00 per year with Banner Life Insurance Company OPTerm 20 – 20 Year Term Preferred Plus Non-Smoker Monthly: $29.31

3. $335.00 per year with Savings Bank Life Insurance Co of MA T-20/20 – 20 Year Term Guaranteed 20 Preferred Plus Non-Nicotine Monthly: $29.37

4. $345.00 per year with Ohio National Life Assurance Corporation Term 20 Plus Super Preferred Non-Smoker Monthly: $30.09

5. $355.88 per year with Genworth Life and Annuity Insurance Co Colony Term UL 20 (200K+) Preferred Best No Nicotine Use Monthly: $30.09

6. $355.88 per year with Genworth Life Insurance Company Colony Term UL 20 (200K+) Preferred Best No Nicotine Use Monthly: $30.71

7. $365.00 per year with MTL Insurance Company SelecTerm-20 Preferred Plus Non-Tobacco Monthly: $31.39

8. $369.00 per year with American General Life Insurance Company Select-a-Term – 20 Year Preferred Plus Non-Tobacco Monthly: $32.19

9. $369.00 per year with MetLife Investors USA Insurance Company Guaranteed Level Term 20 Elite Plus Nonsmoker Monthly: $32.29

10. $370.00 per year with Minnesota Life Insurance Company Advantage Elite Term Life – 20 Year Preferred Select Non-Tobacco Monthly: $32.50

PruTerm WorkLife 65

Jul 30, 2011 Life Insurance Updates Leave a comment

PruTerm WorkLife 65 is a different kind of term policy.  It offers guaranteed protection until the traditional retirement age of 65, no matter when you buy it.

In addition, at no extra cost, PruTerm WorkLife 65 will pay your premium for one year if you become unemployed.  This can be a valuable benefit when you consider that nearly one in 10 American workers is unemployed today, according to the Bureau of Labor Statistics as of September 2010 News Release.

PruTerm WorkLife 65 will also pay for your premiums if you become disabled at any time up to age 65.  Three of 10 Americans will become disabled before they retire, according to the Council for Disability Awareness website, “Chances of Disability,” as of November 2, 2010.

Your premiums are guaranteed and will not increase before age 65.

Conversion privileges are available up to age 65 without additional medical testing.

For additional information please call us at 1-888-950-TERM.

Prudential Lower’s Universal Life and Term Life Insurance Rates!

Jul 30, 2011 Life Insurance Rates, Life Insurance Updates Leave a comment

On July 18 Prudential lowered prices on PruLife Universal Protector, Term Elite and Term Essential.

Prudential’s Universal Protector:

• UL Protector shows major improvements in competitiveness through age 65.
• Rates are improved through age 65 for their top three non-smoker underwriting categories.
• Single pay rates have been reduced for their top three non-smoker underwriting categories.
• Rate reductions also for Non-Smoker, Preferred Smoker and Smoker underwriting categories for full pay and No-Lapse Guarantee to age 100 payment scenarios.
• Maximum issue age has been reduced to 85.

Prudential’s Term Essential and Term Elite:

• Premiums at some ages and some underwriting categories have been reduced by up to 10%.
• 30-year Term Essential rates are also top quartile on a same age basis and they are the price leader or close to it across most issue ages and underwriting categories.
• Term Essential rates are often ranked #1 at key ages with the Age Last Birthday advantage:
  • 10-year Term Essential for ages 60 and older.
  • 15 and 20-year Term Essential for ages 50 and older.

Convertibility:

• Prudential’s term products are eligible for conversion to any of their permanent products.
• They do not force you to convert to a less competitive conversion product like many other companies do.

Age Last Birthday Advantage:

• Most life insurance companies calculate your insurance age by your nearest birthday.  So, if you are 65, but you are closer to your 66th birthday, they will calculate your rates as if you were already 66. 
• Prudential uses your actual age to determine your life insurance rates.

If you would like a life insurance quote click here or call us at 1-888-950-TERM.

Sample Term Life Insurance Rates for a 55 Year Old Male

Jul 20, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment

Sample Term Life Insurance Rates for a 55 Year Old Male

The following rates are for a $500,000.00 10 year term life insurance policy for a 55 year old male best health class non-smoker.  Term life insurance rates are subject to change at any time and not everyone will qualify for these rates.  Call InsuranceGlobe.net for more information at 1-888-950-TERM.  You can also click here to run your own life insurance rates.

1. $820.00 per year with Ohio National Life Assurance Corporation

Term 10 Super Preferred Non-Smoker

Monthly: $72.98

2. $855.00 per year with Ohio National Life Assurance Corporation

Term 10 Plus Super Preferred Non-Smoker

Monthly: $74.39

3. $855.00 per year with Primerica Life Insurance Company

Custom Advantage – 10 Year Preferred Plus Non-Smoker

Monthly: $75.01

4. $855.00 per year with Savings Bank Life Insurance Co of MA

T-10/10 – 10 Year Term Guaranteed 10 Preferred Plus Non-Nicotine

Monthly: $75.01

5. $870.00 per year with Banner Life Insurance Company

OPTerm 10 – 10 Year Term Preferred Plus Non-Smoker

Monthly: $76.10

6. $873.00 per year with ReliaStar Life Insurance Company (ING)

TermSmart 10 – 10 Year Term Super Preferred Non-Tobacco

Monthly: $76.13

7. $879.00 per year with American General Life Insurance Company

Select-a-Term – 10 Year Preferred Plus Non-Tobacco

Monthly: $76.39

8. $885.00 per year with Midland National Life Insurance Company

Premier CS4 – 10 Year Term Preferred Plus Non-tobacco

Monthly: $76.53

9. $885.00 per year with North American Co for Life and Health

ADDvantage 10 Super Preferred Non-Tobacco

Monthly: $76.91

10. $886.96 per year with Genworth Life and Annuity Insurance Co

Colony Term UL 10 (200K+) Preferred Best No Nicotine Use

Monthly: $77.44