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

Aug 5, 2011 Life Insurance Quotes, Life Insurance Rates

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

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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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Pros and Cons of Term Life Insurance

Feb 11, 2010 Life Insurance 101, Life Insurance Quotes, Types of Life Insurance

What are the pros and cons of term life insurance?  The pros are that it is cheap and gives you guaranteed coverage for a specific period of time. 

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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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How To Get Miami Life Insurance Quotes

May 14, 2009 Life Insurance 101, Life Insurance Quotes, Types of Life Insurance, Uncategorized

InsuranceGlobe.net is based out of Miami, FL.  You can get miami life insurance quotes on our website for free from

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Get Quick Term Life Insurance Online

May 14, 2009 Life Insurance 101, Life Insurance Quotes, Types of Life Insurance

Automatically Issued! No medical exam required. Simply answer a few medical questions to purchase up to

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How To Save On Term Life Insurance Rates

May 14, 2009 Life Insurance 101, Life Insurance Quotes

Term Life Insurance – Money Saving Tips

Term life insurance is a very affordable way to provide life insurance coverage for your loved ones.

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Buy Life Insurance Online

May 13, 2009 Life Insurance Quotes

Buying Life Insurance Online

Perhaps you know you need life insurance to protect your family, but you haven’t had the time to meet with an agent.  You can buy life insurance online.  It’s a very simple process.

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