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Buy Term Life Insurance

Jan 23, 2012 Life Insurance 101, Life Insurance Quotes, Life Insurance Rates

Buy Term Life Insurance

Buying life insurance is an important decision.  It can protect your family from financial devastation. Without life insurance, your family could be thrust into financial catastrophe if you were to die unexpectedly.  The cost of a funeral can be up in the tens of thousands.  Without life insurance, your loved ones might be in a lot of debt after you pass on.  Buy life insurance now.  The adult breadwinners of your family should have life insurance.

Buy TERM Life Insurance Online

Use our website to get free term life insurance rates online.  How will you know which company has the best rates if you don’t get term life insurance rates online from multiple companies.  Just click on the upper right hand corner where it says Get an Instant Life Insurance Quote Quick and Easily and fill out the term life insurance quote form.  Once you complete the term life insurance quote form, your term life insurance rates will be displayed immediately online.  Then you can pick which company you want to apply for by clicking the link that says request an application.

If you would like assistance from a licensed life insurance agent, please call us at 1-888-950-TERM.

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Super Preferred Life Insurance Rates With Type 2 Diabetes

Jan 20, 2012 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates

We specialize in finding the lowest cost life insurance rates for our clients.  If you are dealing with a life insurance agent that works for only one company, then you are probably paying too much for your life insurance.  We are an indepent life insurance agency and on each and every case we work with our clients to find them the best life insurance rates.

If you have type 2 diabetes, you may still be able to obtain super preferred rates on your life insurance.  Very few companies are willing to do this, but we know which life insurance companies are willing to do so.  In order to qualify, you must have excellent control of your type 2 diabetes.  In addition, you must satisfy all other super preferred criteria.  Some of the things that could disqualify you from qualifying for super preferred life insurance rates are being overweight, alcoholism, high cholesterol, high blood pressure, family history, personal history of cancer, smoking, driving record, drug abuse, criminal record, foreign travel, foreign residence, depression, anxiety, hazardous hobbies or occupations, high hdl/cholesterol ratio, etc.

If you have type 2 diabetes or anything else and you would like for us shop your life insurance and find you the best life insurance rates available, please call us at 1-888-950-TERM.

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Life Insurance Quote For People With Type 2 Diabetes

Jan 17, 2012 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates, Uncategorized

If you have type 2 diabetes and would like to get a very competitive life insurance quote, we can help you.

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.

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30yr Term Life Insurance Rates Age 65

Jan 6, 2012 Life Insurance Quotes, Senior Life Insurance, Uncategorized

Yes you can still get 30yr term life insurance rates at age 65 and it’s a pretty good deal.  30yr term life insurance at age 65 will take you to age 95.  If your not dead by age 95, your out of luck.  If you are seriously worried about living beyond age 95, buy a universal life insurance policy which will cover you forever, as in until the day you die.  Yes, you can buy a universal life insurance policy that is guaranteed to cover you forever as long as you pay your premiums on time.  For the rest of you 65 year olds who believe a 30 year term life policy will be enough, please see 30 year term life insurance rates for age 65 below.  These are standard non-smoker rates for a male and for a female.  To find out what rate you will qualify for, please call us at 1-888-950-8376.  We specialize in impaired risk life insurance, so if you have some type of medical history that you are not sure about, please call us and we will see what we can do for you.

30 year term life insurance rates male age 65 standard non-tobacco $500,000

1.   $11,476.10 per year with Genworth Life and Annuity Insurance Co    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $979.72
2.   $11,476.10 per year with Genworth Life Insurance Company    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $979.72
3.   $11,541.36 per year with Lincoln National Life Insurance Company    
           Lincoln DurationGuarantee UL – 30 Year    Standard Non-tobacco
           Monthly: $1,062.43
4.   $12,510.00 per year with Transamerica Life Insurance Company    
           TransTerm UL 30    Non-Smoker
           Monthly: $

30 year term life insurance rates female age 65 standard non-tobacco $500,000

1.   $8,405.99 per year with Genworth Life and Annuity Insurance Co    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $715.58
2.   $8,405.99 per year with Genworth Life Insurance Company    
           Colony Term UL 30 (200K+)    Standard No Nicotine Use
           Monthly: $715.58
3.   $8,424.70 per year with Lincoln National Life Insurance Company    
           Lincoln DurationGuarantee UL – 30 Year    Standard Non-tobacco
           Monthly: $846.23
4.   $9,975.00 per year with Transamerica Life Insurance Company    
           TransTerm UL 30    Non-Smoker
           Monthly: $

For more information on 30yr term life insurance rates age 65 please call us at 1-888-950-8376.

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Instant Term Life Insurance Quotes Online

Dec 28, 2011 Life Insurance Quotes

Instant Term Life Insurance Quotes Online <—- click here to get your instant term life insurance quotes online.  You will be redirected to our homepage with our instant term life insurance quote form.  You will then need to enter your birthdate, state, sex, tobacco use, health rating, coverage amount, level term period and if you want to be contacted by one of our licensed representatives, enter your name, email address and phone number.

Once you hit enter, you will instantly see the top 10 most affordable term life insurance quotes online.  If you are interested in applying for one of them, there will be a link that says request an application, which you can fill out with your information and we will send you the life insurance application for the plan you have chosen.

If you need any assistance with your instant term life insurance quotes online, you can reach us at 1-888-950-TERM (8376).

For a directory of insurance websites go to http://www.insurancestates.com

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Life Insurance For People With Depression Or Anxiety

Dec 23, 2011 Impaired Risk Life Insurance, Life Insurance Quotes, Life Insurance Rates

If you are looking for life insurance with mild depression or anxiety, we may be able to help you.  We recently helped a client with anxiety get preferred plus rates on his life insurance.  We were contacted by a 51 year old banker who lost his job in June when his office closed, which resulted in anxiety for which his doctor prescribed medication.  He then found a new job in September, his anxiety has been resolved and the medication is no longer needed.  We were able to get him coverage at preferred plus rates.

If you have a history of anxiety or depression and you are looking for life insurance, please give us a call and we will get you the best life insurance rates based on your situation.  Please call us at 1-888-950-TERM(8376).

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No Exam Life Insurance

Dec 20, 2011 Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Types of Life Insurance

We often get requests from people who are looking for life insurance with no exam.  Sometimes, it’s a child looking for life insurance on an older parent and they don’t want to put them through an exam or sometimes it’s just someone who is afraid of needles.  In other cases it might be someone who just needs to get life insurance quickly and no exam life insurance gets issued much quicker than life insurance that does require an exam.  In any case, the downside to life insurance without an exam, is that it can be quite a bit more expensive than life insurance which requires an exam, if you are healthy.  For a healthy person, than can qualify for standard non-smoker rates or better, life insurance with no exam can be much more expensive than life insurance with an exam.  However, for the reasons mentioned above, there are situations that a person will still prefer to buy no exam life insurance, even while knowing that it is going to be more expensive.  If you are someone who has diabetes, or a history of cancer, obesity, or some other condition which would make you a substandard risk, then the rate for a no exam life insurance policy may be approximately the same to the rate for a life insurance policy which requires an exam.

If you would like a life insurance quote, please call www.insuranceglobe.net at 1-888-950-TERM(8376).

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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

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
          

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Get 30 Year Term UL Rates Online Now

Apr 15, 2011 Life Insurance Products, Life Insurance Quotes

What is Term UL?

You may have recently come across a relatively new product called  Term UL.  Term UL is a creation by insurance companies in response to higher reserve requirements on term insurance policies and pressure to keep term insurance rates low to compete with other life insurance companies.  Several well known term insurance companies have introduced or are planning on introducing so called Term UL products.  Genworth Life Insurance Company has a product called Colony Term UL.  West Coast Life has a Term UL product called the Secure-T.  Transamerica also has a term ul product called TransTerm UL 

While these products are universal life products they look and smell like term products.  Just like term insurance, these products have guaranteed level term periods, which last for a specific period of time (10, 15, 20 and 30).  During this level term period your premiums are guaranteed to remain level.  Just like term insurance the death benefit is also guaranteed to remain level.

Because these are universal life policies, there are some advantages over term policies.  Some of the advantages are:

  • You can adjust your premium or length of coverage up or down if your needs change.
  • You will know up front what it will cost you to extend your coverage in the future without any proof of insurability.  Most term policies allow you to convert to a permanent policy without evidence of insurability, but the cost is not known until the time of conversion.
  • You can pay with a single premium or a specified period of years.
  • You will typically have a longer grace period before the policy lapses due to non-payment.

30 Year TERM UL LIFE INSURANCE POLICY RATES FOR ANY AGE or AMOUNT HERE – Just enter your date of birth, state, gender, health rating, smoking status and coverage amount and you will get instant online term life insurance policy rates.  Your name, phone number and email address are optional.

Super preferred non-smoker 30 year term ul life insurance policy rates by age:

30 year $500k Term UL Life Insurance policy rates for a 35 year old male super preferred non-smoker = $40.08 per month.

30 year $500k Term UL Life Insurance policy rates for a 35 year old female super preferred non-smoker = $34.32 per month.

30 year $500k Term UL Life Insurance policy rates for a 40 year old male super preferred non-smoker = $55.88 per month.

30 year $500k Term UL Life Insurance policy rates for a 40 year old female super preferred non-smoker = $44.94 per month.

30 year $500k Term UL Life Insurance policy rates for a 45 year old male super preferred non-smoker = $89.76 per month.

30 year $500k Term UL Life Insurance policy rates for a 45 year old female super preferred non-smoker = $68.35 per month.

30 year $500k Term UL Life Insurance policy rates for a 50 year old male super preferred non-smoker = $134.66 per month.

30 year $500k Term UL Life Insurance policy rates for a 50 year old female super preferred non-smoker = $94.85 per month.

30 year $500k Term UL Life Insurance policy rates for a 55 year old male super preferred non-smoker = $200.22 per month.

30 year $500k Term UL Life Insurance policy rates for a 55 year old female super preferred non-smoker = $128.81 per month.

30 year $500k Term UL Life Insurance policy rates for a 60 year old male super preferred non-smoker = $314.97 per month.

30 year $500k Term UL Life Insurance policy rates for a 60 year old female super preferred non-smoker = $177.93 per month.

30 year $500k Term UL Life Insurance policy rates for a 65 year old male super preferred non-smoker = $507.67 per month.

30 year $500k Term UL Life Insurance policy rates for a 65 year old female super preferred non-smoker = $277.62 per month.

*These 30 year term ul life insurance policy 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 30 year term ul super preferred non-smoker life insurance policy rates for $500k.  Most people will not qualify for super preferred non-smoker rates. To find out if you qualify for super preferred non-smoker term ul life insurance policy rates please call us at 1-888-950-TERM.

In some cases your term ul life insurance policy rates will end up being higher.  For example, if you have some recent medical history your term ul life insurance may be rated or even declined.  If you do have some type of medical history, we can help you shop the term ul life insurance market to get the best possible rates.

Please feel free to use our term ul life insurance policy rates quoting software to get your own life insurance policy rates if you are a different age, gender, a smoker or if you are just looking for a different amount of term ul life insurance.  You can also use our quoting software to get rates for term and universal life insurance policies.

As always, if you need assistance getting term ul life insurance policy rates, term life rates, universal life insurance policy rates, whole life insurance policy rates or return of premium (ROP) life insurance policy rates, please call us at 1-888-950-TERM and we will be happy to assist you.

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Best Affordable Online Life Insurance Quotes

Apr 13, 2011 Life Insurance 101, Life Insurance Products, Life Insurance Quotes

InsuranceGlobe.net provides term life insurance, universal life insurance and return of premium life insurance shoppers with online life insurance rates from highly rated companies. Find your best insurance company and lowest rate. Then get an affordable life insurance quote, whole or term, to protect your family. InsuranceGlobe.net is committed to referring you to top rated life insurance companies.

About InsuranceGlobe.net

The following term life insurance companies head up the InsuranceGlobe.net Top 15: MetLife Investors USA Insurance Company, American General Life Insurance Company, Lincoln National Life Insurance Company, Transamerica Life Insurance Company, Banner Life Insurance Company, West Coast Life Insurance Company, Reliastar Life Insurance Company, Ohio National Life Assurance Corporation, Genworth Life and Annuity Insurance Company, The Penn Mutual Life Insurance Company, Genworth Life Insurance Company, Security Life of Denver, Midland National Life Insurance Company and Pruco Life Insurance Company. We use a third party database of the best U.S. term life insurance companies ranked in terms of lowest life insurance rates. We also provide ROP, universal and term life insurance quotes online.

Term life insurance rates have been dropping steadily in response to increased competition. Term life insurance is a commodity, and improved access to online life insurance quotes information, such as at this Web site, is making it even more so. Whether to use life insurance as an investment is a separate decision; but for the lowest life insurance cost, which is term insurance, why pay more than you have to?

Term life insurance quotes are commodities, so be sure to get the best term life insurance rate you can find. InsuranceGlobe.net also specializes in life insurance underwriting for impaired risk life insurance. To evaluate all of your underwriting factors, please call us at 1-888-950-TERM.

About Life Insurance

Paying for life insurance is no fun, but it is something that few families can do without. The important thing is to buy life insurance only for losses that you can not replace, such as your income. Avoid life insurance policies that only cover specific loss of life, such as accidents, plane crashes or cancer. You’re better off with life insurance that will pay a death benefit for any loss of life for only a small increase in premium.

Make sure you carry enough life insurance, but remember that people with no dependents may not need life insurance policies at all. To estimate the amount of a life insurance policy, use our online life insurance quote engine. Most life insurance consultants estimate five to ten times your annual income is enough to protect your loved ones. Smoker life insurance policies cost two to three times as much as non-smoker policies.

Make sure your policy has an option for accelerated death benefits. This option will enable you to access your life insurance policy if you contract a terminal illness.

Term or Whole Life Insurance?

Term life insurance covers a person against death for a specific period of time or term. For example, the term might be 10, 15, 20, 25 or 3o years. You pay for the chosen policy period and at the end of the term, the contract or policy expires. If no claims are made against the policy during the term, you don’t receive any benefits after the policy expires, just like auto or homeowners insurance.

Universal life insurance, which is a form of permanent insurance, does not expire (assuming you continue to pay the premiums). It provides coverage similar to term life insurance, but for the rest of your life for as long as you live. It also provides an investment vehicle. A portion of the premium goes for life insurance, while the rest goes into an investment account.

Which is better?

A young family with large financial obligations and minimal discretionary income is usually better off with a term life insurance policy. The substantially lower premiums enable them to purchase sufficient coverage to protect against loss of income. Any discretionary investment funds can be placed in other vehicles (mutual funds, money market accounts, etc.) that are likely to generate returns similar to or better than a life insurance policy. Universal life insurance is often purchased by people for tax and estate planning purposes.

Choosing an Agent

Almost all life insurance companies sell their products through agents, rather than directly to the public. Some companies use “captive” agents, who can only represent one company. For insurance with a competitive life insurance company (such as those featured at this site) you will want to use an independent life insurance agent like InsuranceGlobe.net, who is free to represent several companies. Whether you need term life insurance or a whole life insurance quote, InsuranceGlobe.net can help you find the best life insurance policy.

You should first obtain online life insurance quotes before making a decision.

Some life insurance companies now offer no-exam life insurance with a few health questions and no medical exam.

In summary, do some product research first, using a service like InsuranceGlobe.net, and get a life insurance quote online. Then, if you have any questions or are ready to get your life insurance application started call InsuranceGlobe.net at 1-888-950-TERM.

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