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    Posts Tagged ‘ online life insurance quotes ’

Buy Florida No Exam Term Life Insurance Online

Apr 6, 2011 No Exam Life Insurance

Buying florida no exam term life insurance online to protect your family could not be any easier! With RBC ExpressTERM, you can get up to $250,000 in coverage in around 15 minutes.

You can buy florida no exam term life insurance online from RBC Insurance.  Just follow this link rbc express and you will be able to run florida no exam term life insurance quotes online.  You are not required to speak or meet with an agent.  If you prefer not to meet with a florida life insurance agent, you don’t have to.  With RBC Insurance you can do it all yourself.  You can get anywhere from $25,000 to $250,000 of florida no exam term life insurance online and you can select from 10, 15 or 20 years of coverage. 

Do you need to buy a florida no exam term life insurance policy ASAP?  There is no need to worry, you can apply online and find out in minutes if you have been approved.  All you have to do is answer a few health questions.  The florida no exam term life insurance application is completely online.  You do not have to speak to an insurance agent like myself and no one will contact you.  The best part is that you can start your application right now and in minutes you can print your new florida no exam term life insurance policy online.  It’s that easy.  Your coverage begins immediately!  Premiums are guaranteed.

So, what are you waiting for, follow this link and buy your florida no exam term life insurance online today!

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Life Insurance for Seniors Over 80

Feb 7, 2010 Life Insurance Quotes, Senior Life Insurance

1-888-950-TERM to speak with an agent or click here for online final expense life insurance quotes.

Some life insurance companies are more competitive at certain ages.  Here are some sample rates for final expense life insurance for seniors over 80.  An 80 yr old non smoking male in average health can get a $5,000 policy for $686.40/year and an 80 yr old non smoking female in average health can get a $5,000 policy for $524.15/year.  These are simplified issue policies that do not require a medical exam.  All you have to do is answer a few health questions on the application and then call the insurance company to complete a quick phone interview and you will find out right over the phone if you are approved or declined.  If you can answer no to the following questions you will generally be approved

1. Height____________________________ Weight ________________________

2. Do you need assistance with the normal activities of daily living (eating, bathing, dressing, taking medications,

etc.), or are you currently hospitalized, confi ned 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

occurrence 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 to 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 advised by a member of the medical profession to have, an organ transplant, or been diagnosed

as having a terminal medical condition that is expected to result in death within the next 12 months.

d. 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?

If you cannot answer no to all of these questions, then we have other plans available which are called guaranteed issue.  Guarantee issue final expense life insurance policies generally take anyone without regard to health.  Most of them are issued with a graded or modified death benefit, which means they will not pay the full death benefit in the first 2 or 3 years of the policy.  What they do is pay a percentage of the death benefit in the first 2 or 3 years or they pay back your cumulative premium plus interest.  If the insured lives beyond this initial period and dies afterward the insurance company will pay the full death benefit.

These simplified issue and guaranteed issue low face amount policies go by names such as final expense, burial policy or funeral policy, but they are all basically the same thing, which is a life insurance policy and they are usually a whole life insurance policy.  Most seniors over the age of 80 and looking for life insurance are looking for these types of policies with a death benefit amount anywhere between $5,000 to $50,000. 

To get your final expense life insurance quotes today please call us at 1-888-950-TERM (8376).  You can also use our online life insurance quote engine.  Just click here and you can run as many life insurance quotes as you like.  You will be taken to an online life insurance quote form.  Up at the top of the form you will be able to choose from different types of life insurance.  You can choose from term life, universal life or return of premium life.  If you are over 80 you are going to want to choose universal life insurance and then proceed to filling out the form.  When you get to the level term period drop down box you can choose from different guarantee periods.  If you are looking for a lifetime guarantee choose to age 121 level (no lapse U/L).  If you are willing to go with a policy that is only guaranteed to age 90 in exchange for a lower premium then choose to age 90 level guaranteed.

I hope this post has been helpful to you.  If you have any questions, please call us at 1-888-950-8376 to speak to a licensed life insurance specialist or you can email us at info@insuranceglobe.net.

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Return of Premium Term Life Insurance

Mar 19, 2009 Life Insurance 101, Types of Life Insurance

What is Return of Premium Term Life Insurance?

A Return of Premium Rider (ROP) is available on some term insurance

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How Much Life Insurance

Mar 17, 2009 Life Insurance 101

How much life insurance do you need?  This is one of the most common

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Affordable Life Insurance Quote

Mar 6, 2009 Life Insurance Quotes

There are several different types of life insurance.  There’s whole life, universal life, index universal life, variable universal life, term life, return of premium term life, second to die, etc.  However, if you are on a tight

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Cheap Life Insurance Quote

Mar 5, 2009 Life Insurance Quotes

There are many life insurance comparison websites that can provide you with a cheap life insurance quote, but how do you know if you will qualify for that cheap rate?  It’s easy to look at a list of several plans in order

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Getting a Quote for Life Insurance

Mar 5, 2009 Life Insurance Quotes

Getting a quote for life insurance is the first step in shopping for life insurance, but then how do you decide what company to go with?  Do you just choose the company with the lowest price?  How do you know what

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Affordable Term Life Insurance Quote

Mar 5, 2009 Life Insurance Quotes

Insurance Globe makes it easy to get an affordable term life insurance quote.  Our super easy term life insurance quote engine will instantly give you online quotes and rates from all of the top rated term life insurance

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Compare Life Insurance Quote

Mar 5, 2009 Life Insurance Quotes

At Insurance Globe, you can compare life insurance quote from many different companies at no cost to you.  You are not even required to enter your phone number or address.  Just enter some basic information like

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