Recent Articles
Life Insurance Rates for Age 86
Jul 17, 2011 Life Insurance Quotes, Life Insurance Rates, Senior Life Insurance, final expense Leave a comment
If you are looking for life insurance for someone age 86, there’s a good chance you are having a hard time finding coverage. That’s because once you are over age 86 there aren’t many companies that still offer life insurance policies, but if you are working with the right agent who knows the over age 85 market, you can still get a life insurance policy as long as you are still in relatively decent health.
Life insurance rates for a male age 86 – a $10,000 life insurance policy for an 86 year old male would cost you 220.83 per month.
Life insurance rates for a female age 86 – a $10,000 life insurance policy for an 86 year old female would cost you 171.67 per month.
This policy is not available in all states. Call InsuranceGlobe.net for details at 1-888-950-TERM.
Life Insurance Rates for Cigar Smokers
Jul 14, 2011 Life Insurance Rates Leave a comment
Life Insurance Rates for Cigar Smokers
If you are cigar smoker you must be careful about what company you buy your life insurance from. You must work with a life insurance agent that has experience working with cigar smokers. There are a few companies that treat cigar smokers like non-smokers, but most treat cigar smokers like smokers. The difference between smoker rates and non-smoker rates is huge, so if you choose the wrong company you will be seriously over paying for your life insurance policy. If you would like a life insurance rate quote please call us at 1-888-950-TERM.
Life Insurance Rates for Ages 80 – 85
Jun 24, 2011 Life Insurance Quotes, Life Insurance Rates, Senior Life Insurance, Whole Life Insurance, final expense Leave a comment
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?
Term Life Insurance Rates for a 65 Year Old Male
Jun 22, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment
Term Life Insurance Rates for a 65 Year Old Male
1-888-950-TERM – Call if you would like to speak with a licensed life insurance specialist.
CLICK HERE FOR TERM LIFE INSURANCE RATES FOR ANY AGE – instant online term life insurance rates.
10yr Term Life Insurance rates for a male age 65 preferred plus non-smoker for a $100,000 policy = $51.73 per month.
15yr Term Life Insurance rates for a male age 65 preferred plus non-smoker for a $100,000 policy = $70.62 per month.
20yr Term Life Insurance rates for a male age 65 preferred plus non-smoker for a $100,000 policy = $100.88 per month.
10yr Term Life Insurance rates for a male age 65 preferred non-smoker for a $100,000 policy = $63.35 per month.
15yr Term Life Insurance rates for a male age 65 preferred non-smoker for a $100,000 policy = $85.94 per month.
20yr Term Life Insurance rates for a male age 65 preferred non-smoker for a $100,000 policy = $119.96 per month.
10yr Term Life Insurance rates for a male age 65 standard plus non-smoker for a $100,000 policy = $78.99 per month.
15yr Term Life Insurance rates for a male age 65 standard plus non-smoker for a $100,000 policy = $102.15 per month.
20yr Term Life Insurance rates for a male age 65 standard plus non-smoker for a $100,000 policy = $142.94 per month.
10yr Term Life Insurance rates for a male age 65 standard non-smoker for a $100,000 policy = $91.03 per month.
15yr Term Life Insurance rates for a male age 65 standard non-smoker for a $100,000 policy = $123.73 per month.
20yr Term Life Insurance rates for a male age 65 standard non-smoker for a $100,000 policy = $173.16 per month.
*These rates are accurate as of the time that this article was published, but can change at any time. To be certain they are still current, please call us at 1-888-950-TERM.
These are currently our best term life insurance rates for a male age 65 non-smoker. In this article we looked at non-smoker rates for a 65 year old male. If you need smoker life insurance rates or rates for a different age, amount or gender, please call us at 1-888-950-TERM or click here.
If you have a history of cancer, heart disease, diabetes, obesity, high blood pressure, high cholesterol, DUI, reckless driving, bankruptcy, etc. please call us at 1-888-950-TERM. We will get you the best life insurance rates based on your specific situation.
You can also get life insurance rates for universal life insurance and for return of premium life insurance by clicking here or you can call us at 1-888-950-TERM.
LIFE INSURANCE FOR SENIORS OVER 70
May 27, 2011 Impaired Risk Life Insurance, Life Insurance 101, Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Senior Life Insurance, final expense Leave a comment
Age is one of the elements that impacts the cost of life insurance. Everything else being equal, the older you are, the more expensive the policy will be. Consequently, the longer you wait to get life insurance the more expensive it will be. Even if you have waited this long to get life insurance, the good news is that it is still possible to get life insurance protection. First, you always can decide on a fully underwritten policy, which in many cases will be the least costly, and submit yourself to a medical exam. With the results of a medical exam the insurance company will have a better understanding of your health situation and thus be able to offer you the best possible premium based on your medical exam results. Or, for whatever reason, you may opt for a no-medical exam policy. What is important to know is that, depending on your health situation, you could still get life insurance even if you are 70, or even above 70 years of age. One possible answer is SIMPLIFIED ISSUE LIFE INSURANCE, which are whole life policies that do not require a medical exam but for the applicant to simply answer a few health questions. Your answers to these health questions will determine whether or not you qualify for a SIMPLIFIED ISSUE LIFE INSURANCE policy. After the death of a loved one, many families are faced with unexpected expenses, including medical bills, funeral expenses, legal fees and unpaid bills. There are a handful, or so, of life insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, which provide the funds to help the family with these expenses, if there are not enough resource in your estate.
If you qualify, you can have immediate protection or graded protection. On a typical policy, and as long as the required premium is paid on a timely basis, the insurance company cannot cancel the policy, cannot reduce your benefits and cannot increase your premium, regardless of the level of benefit approved. Immediate protection means exactly what it says, namely, the entire benefit is paid on day one if the insured dies. But, what if you do not qualify for immediate protection? For most individuals who do not qualify for immediate coverage, there is an alternative. You may qualify for a policy that provides GRADED BENEFITS. Under GRADED BENEFIT the policy will pay a fraction of the death benefit if the insured dies within the first year from the policy issue date (for instance, return of premium plus 5%); a greater fraction of the death benefit is paid if the insured dies on the second year of the policy(for instance, the greater of return of premium plus 10%, or 50% of the face amount); and, then, on year 3 and thereafter, 100% of the death benefit is paid. There are other variations of this formula, but not too different.
How do you know if you qualify for LEVEL (immediate) BENEFIT, or for GRADED BENEFIT? A typical SIMPLIFIED ISSUE LIFE INSURANCE policy contains a one-page (usually) questionnaire with health-related questions. It has either two parts of three parts. If you answer “NO” to any of the questions on the first part you will not qualify for any benefits under the policy. As an example of what the questions in part one are:
- Do you use a wheelchair, other than for a temporary impairment expected to last less than 2 months?
- Do you receive assistance with daily activities such as taking medications, bathing, dressing, eating or toileting? Home health care or hospice care?
- In the past 5 years – have you been diagnosed with, or received treatment for an organ or tissue transplant, Alzhemire’s disease, dementia, or amyotrophic lateral sclerosis (ALS)
- Have you tested positive to HIV, or been diagnosed with having ARC or AIDS caused by the HIV infection, or other sickness or disease derived from such infection?
- In the last 12 months – have you used oxygen to assist with breathing? Received kidney dialysis?
If you answered “NO” to all of the above (typical) questions (they vary from insurance company to insurance company), then you will move to Part 2 and sometimes Part 3, which will determine if you are eligible for LEVEL BENEFIT or GRADED BENEFIT.
At present, SIMPLIFIED ISSUE LIFE INSURANCE (sometimes referred to as “final expense insurance“) is issued up to age 85 and in amounts ranging from $2,000 to $75,000.
We hope that this post has been helpful to you. If you have any questions, would like a life insurance quote, or would like to initiate the process of filing a life insurance application with one of the insurance companies that offer SIMPLIFIED ISSUE LIFE INSURANCE, please, e-mail us at info@insuranceglobe.net , or call us at either of these numbers:
- 888-950-8376
- 786-353-2528
- 305-807-4780
Thank you!
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 Leave a comment
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.
Texas Life Insurance
May 18, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment
Texas Life Insurance
1-888-950-TERM or click here for Texas life insurance rates online.
Below you will find 10 year term life insurance rates for males and females age 67, smoker and non-smoker. Included are rates for super preferred non-smoker, preferred non-smoker, standard plus non-smoker, standard non-smoker, preferred smoker and standard smoker. These are currently our best rates, but can change at any time. Call to verify. Please call us to determine which health class you will qualify for with each company. It is also possible that you may end up with sub-standard rates depending on your medical history. Call us and we will help you determine which underwriting class you will qualify for.
10 Year Texas Term Life Insurance Rates Male Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $59.25 | $131.69 | $227.52 | $448.79 |
| Preferred NS | $71.90 | $166.87 | $288.36 | $599.32 |
| Standard Plus NS | $87.13 | $186.67 | $367.12 | $674.92 |
| Standard NS | $97.37 | $229.02 | $434.32 | $859.30 |
10 Year Texas Term Life Insurance Rates Male Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $168.12 | $395.43 | $785.96 | $1567.02 |
| Standard Smoker | $221.14 | $514.66 | $930.53 | $1853.93 |
10 Year Texas Term Life Insurance Rates Female Age 67 Non-Smoker
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Super Preferred NS | $38.54 | $76.34 | $146.52 | $266.36 |
| Preferred NS | $45.75 | $89.98 | $173.80 | $329.63 |
| Standard Plus NS | $52.69 | $109.34 | $212.52 | $418.88 |
| Standard NS | $58.72 | $109.34 | $212.52 | $418.88 |
10 Year Texas Term Life Insurance Rates Female Age 67 SMOKER
| Health Class | $100,000 | $250,000 | $500,000 | $1,000,000 |
| Preferred Smoker | $96.98 | $201.08 | $396.00 | $785.84 |
| Standard Smoker | $128.01 | $236.28 | $466.40 | $926.64 |
Term Life Insurance Rates By Age 66
May 13, 2011 Life Insurance Quotes, Life Insurance Rates Leave a comment
Term Life Insurance Rates By Age 66
1-888-950-TERM – Call if you would like to speak with a licensed life insurance specialist.
CLICK HERE FOR TERM LIFE INSURANCE RATES FOR ANY AGE – instant online term life insurance rates.
10yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $55.00 per month.
15yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $77.79 per month.
20yr Term Life Insurance rates for a male age 66 preferred plus non-smoker for a $100,000 policy = $104.25 per month.
10yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $66.39 per month.
15yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $97.37 per month.
20yr Term Life Insurance rates for a male age 66 preferred non-smoker for a $100,000 policy = $130.78 per month.
10yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $79.39 per month.
15yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $115.14 per month.
20yr Term Life Insurance rates for a male age 66 standard plus non-smoker for a $100,000 policy = $159.12 per month.
10yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $90.69 per month.
15yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $137.84 per month.
20yr Term Life Insurance rates for a male age 66 standard non-smoker for a $100,000 policy = $187.23 per month.
*These rates are accurate as of the time that this article was published, but can change at any time. To be certain they are still current, please call us at 1-888-950-TERM.
These are currently our best term life insurance rates for a male age 66 non-smoker. In this article we looked at non-smoker rates for a 66 year old male. If you need smoker life insurance rates or rates for a different age, amount or gender, please call us at 1-888-950-TERM or click here.
If you have a history of cancer, heart disease, diabetes, obesity, high blood pressure, high cholesterol, DUI, reckless driving, bankruptcy, etc. please call us at 1-888-950-TERM. We will get you the best life insurance rates based on your specific situation.
You can also get life insurance rates for universal life insurance and for return of premium life insurance by clicking here or you can call us at 1-888-950-TERM.
Up to 1 million of Term Life Insurance No Exam
May 9, 2011 No Exam Life Insurance Leave a comment
If you have recently purchased life insurance and are thinking you need more coverage, you may be able to qualify for up to $1 million of term insurance without an exam. Unlike the last time you applied for coverage and had to take the time to provide blood work or a medical exam, qualifying applicants can now take advantage of a hassle free application program to purchase a new term life insurance policy without the standard medical underwriting requirements. All you have to do is complete a life insurance application and the life insurance carrier will take care of the rest. Get up to $1 million dollars of term life insurance without an exam. For more information on how to qualify for this program, call InsuranceGlobe.net today at 1-888-950-TERM.
Life Insurance and Foreign Travel
May 9, 2011 Impaired Risk Life Insurance, Life Insurance Quotes Leave a comment
If you travel to any of the countries on the U.S. Department of State current travel warning list there is a good chance you will be declined for life insurance. However, certain states do not allow insurance companies to rate or decline their residents soley for foreign travel. For example, we just worked on a case for a Georgia resident who is going to Iran for 2 months. Ordinarily, he would have been declined, but we were able to write him at super preferred, because he is a resident of Georgia. Other states that have restrictions are California, Colorado, Connecticut, Florida, Georgia, Illinois, Massachusets, Minnesota, Missouri, New Jersey, New York, Tennessee, Virginia and Washington (state). Not every life insurance company interprets these laws the same, so you need to know which insurance company to go with. For example, one insurance company we spoke with wanted to add $7.50 per every $1,000 of death benefit. In this case, the client wanted $200,000 of coverage, so he would have had to pay an additional $1,500 per year. This is an area that many agents do not come across frequently and therefore do not have the experience to handle such a case properly. If you are planning on traveling to a high risk country and you need life insurance, please call InsuranceGlobe.net at 1-888-950-TERM.
