insuranceglobe.net » return of premium

Long-Term Care Insurance With Money Back Guarantee

Admin — Fri, 27 Apr 2012 20:20:23 +0000

We have a long-term care product, which you can pay for with one lump sum. Many of our clients are repositioning assets from CD’s, savings accounts, checking accounts, money market accounts, etc., into this product. What you get is a tax free death benefit if you die and never needed the long-term care insurance and if you do end up needing home health care or end up needing to move into a facility, you will be covered by the long-term care insurance portion of the product. The best part about it is that if you change your mind in the future, for whatever reason, this product has a lifetime money back guarantee. If at any point in time you want your money back you can cancel the policy and get 100% of your money back. One other nice thing about this contract is that it is 100% guaranteed. You don’t ever have to worry about your premiums going up in the future or your benefits being reduced.

Call www.InsuranceGlobe.net for more information at 1-888-950-8376.

Guaranteed Universal Life Insurance With Return Of Premium

Admin — Thu, 02 Feb 2012 23:57:27 +0000

Many of our clients are looking for permanent life insurance quotes. They want to make sure that their policy is there for them when they need it the most. Most insurance companies today sell universal life insurance policies that are guaranteed for life, but have very little cash value accumulation if any. Some of our clients would prefer to have some cash value in their policy just in case they need to cancel their policy in the future. There are a few companies that do offer some type of return of premium feature on their guaranteed universal life insurance policies. These return of premium features allow policyholders to reclaim a large portion of their premium payments and can help you put your mind at ease about purchasing life insurance. These return of premium riders or liquidity riders are included automatically at no cost when you purchase a qualifying policy. The refund percentage schedule is determined by issue age, health class, amount and timing of premium payments and face amount. To get a universal life insurance quote with the return of premium rider please call us at 1-888-950-TERM. Not all policies will be eligible for this rider. Call for details.

15 Year Level Term Life Insurance Rates 63 Male

Admin — Tue, 09 Aug 2011 18:26:48 +0000

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.

Online Return of Premium Term Life Insurance Quotes

Admin — Thu, 30 Sep 2010 00:17:39 +0000

Online Return of Premium Term Life Insurance Quotes

InsuranceGlobe.net makes obtaining online return of premium term life insurance quotes easy. Just click on the upper right hand corner of this page where it says Get An Instant Life Insurance Quote Quickly and Easily. This will take you to our home page where you will see an instant online quote form on the right hand side. Below that, you will see three types of online life insurance quotes options; term life insurance quotes, universal life insurance quotes and online return of premium term life insurance quotes. Click on return of premium term life insurance quotes and the page will reload. You will now be able to complete the quote request form and get your free online instant return of premium term life insurance quotes. Just fill in your birthdate, state, gender, tobacco use, health rating, coverage amount, level term period, first name, last name, email, phone number and click the instant quote button. You will then be taken to a page that will display the top ten online return of premium term life insurance quotes from lowest premium to highest premium.

The great thing about online return of premium term life insurance is that in addition to leaving your beneficiaries a death benefit if you die during the level term period, it will also return 100% of your money back to you tax free if you live to the end of the term. Online term life insurance is great for getting low cost death benefit protection for a specific period of time, but most people will live beyond the term period and let their policies lapse without getting anything in return. In exchange for paying a higher premium for the same level of death benefit protection, the insurance company will return all of your money to you at the end of the term period. What you have to determine is whether it is worth paying the additional premium to get your money back. Depending on how much more you have to pay to get your money back, it might or might not be appealing to you.

After you run your online return of premium term life insurance quotes, if you have any questions or are interested in applying for return of premium life insurance, give us a call. If you prefer to have us run the return of premium life insurance quotes for you, just call us.

Call InsuranceGlobe.net for your free online return of premium term life insurance quotes at 1-888-950-8376.

Return of Insurance Premium

Admin — Sun, 07 Feb 2010 19:07:38 +0000

The problem with regular term life insurance is that most people end up outliving their coverage and end up with nothing to show for all the years of premium payments. With return of insurance premium life insurance, if you are alive at the end of your level term premium, you can get all of your money back. If you would like a free return of insurance premium life insurance quote you can call us at 1-888-950-TERM (8376). You can also click here to run your own return of insurance premium life insurance quotes on our website.

Return of Premium Term Life Insurance

Admin — Thu, 19 Mar 2009 02:24:33 +0000

What is Return of Premium Term Life Insurance?

A Return of Premium Rider (ROP) is available on some term insurance policies. This rider returns the sum of all annual premium paid(including base policy fee and ROP rider premium) at the end of the initial term period, provided the policy owner is still living and the policy remains in force. If the policy is surrendered before the end of the initial term period, less than 100 % of the premium will be returned. The longer you wait the higher percentage you will get back. Adding the return of premium rider will increase the overall cost of the policy.

To determine if the additional cost is worth it, you need figure out what you would earn if you invested the difference. To make a fair comparison, you need to compare this with other guaranteed investments such as fixed annuities or CD’s, because the return on a return of premium policy is also guaranteed. However, if you are an aggressive investor you can use a hypothetical rate of return for your analysis, assuming you would invest the difference in a non-guaranteed vehicle.

Keep in mind that if the policy owner dies at any time during the term period, simply buying traditional term coverage and investing the difference will always provide the greatest return, because the policy owner’s estate would receive the death benefit and can also distribute the invested cash.

How Much Life Insurance

Admin — Tue, 17 Mar 2009 03:03:48 +0000

How much life insurance do you need? This is one of the most common questions for anyone who is gathering life insurance quotes on the internet. Ultimately it comes down to your personal situation and the reason why you are buying the life insurance.

One of the most common reasons people buy life insurance is for income replacement. PacLife has a handy insurance calculator that you can use as a guide http://www.pacificlife.com/Channel/Educational+Information/Calculators/How+much+life+insurance+do+I+need.htm

What is Term Life Insurance?

Admin — Wed, 11 Mar 2009 00:32:41 +0000

Term life insurance is the most basic and least expensive type of insurance policy. The purpose of a term life insurance policy is to pay a lump sum to whoever you designate as your beneficiary, in the event of your death. You select the death benefit and the period of coverage. You can select from a one year term period all the way up to a 40 year term period with periods in between of 10, 15, 20, 25, 30, etc. Some companies even have what are called off term periods, such as 21 or 22 yrs. The policy protects your family by providing money to replace your income, pay off the mortgage, pay for college or anything that is needed.

There is also a version of term life insurance that will return one hundred percent of premiums paid to the owner, if the insured is still alive at the end of the term period. This is called return of premium term life insurance. Return of premium term life insurance is typically available for 10, 15, 20 or 30 yrs.