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Lifetime No-Lapse Universal Life Insurance Rates 60 Year Old Male

Apr 28, 2012 Life Insurance Products, Life Insurance Quotes, Life Insurance Rates, Types of Life Insurance

Lifetime No-Lapse Universal Life Insurance Rates – 60 Year Old Male

Lifetime No-Lapse Universal Life Insurance is a type of life insurance that is guaranteed for life.  Your premium is guaranteed to never go up as long as you continue to pay on time.  If you have ever experienced having to pay higher rates every year on your life insurance and would prefer a policy that is guaranteed for life, then Lifetime No-Lapse Universal Life Insurance may be right for you.

Below you will find lifetime no-lapse universal life insurance rates for a 60 year old male preferred best non-smoker.

100k No-Lapse Universal Life Insurance Rates for a 60 Year Old Male Preferred Best Non-Smoker

1.   $1,430.45 per year with The Penn Mutual Life Insurance Company Request an Application
Guaranteed Protection UL – gtd to 121    Preferred Plus Non-Tobacco
Monthly: $126.30
2.   $1,466.00 per year with Banner Life Insurance Company Request an Application
Life Choice UL – pay to age 121    Preferred Plus Non-Smoker
Monthly: $126.30
3.   $1,484.00 per year with Aviva Life and Annuity Company Request an Application
Advantage Builder Series IV w/NLG    Premier Non-Tobacco
Monthly: $127.92
4.   $1,486.00 per year with Midland National Life Insurance Company Request an Application
Essential Guaranteed UL 2 ($25K)    Preferred Plus Non-Tobacco
Monthly: $130.11
5.   $1,486.00 per year with North American Co for Life and Health Request an Application
Custom Guarantee Gen 6 ($25K)    Super Preferred Non-Tobacco
Monthly: $130.25
6.   $1,513.00 per year with American General Life Insurance Company Request an Application
Secure Lifetime GUL – to age 121    Preferred Plus Non-Tobacco
Monthly: $132.00
7.   $1,516.02 per year with Protective Life Insurance Company Request an Application
Protective Centennial G II UL    Select Preferred Non-Tobacco
Monthly: $133.00
8.   $1,519.00 per year with North American Co for Life and Health Request an Application
TermGUL ($25K)    Super Preferred Non-Tobacco
Monthly: $133.00
9.   $1,529.78 per year with Hartford Life and Annuity Insurance Co Request an Application
Hartford Bicentennial Freedom UL (2011)    Preferred Plus Non-Nicotine
Monthly: $133.10
10.   $1,534.10 per year with Banner Life Insurance Company Request an Application
Life Change UL – pay to age 121    Preferred Plus Non-Smoker
Monthly: $133.10

To get a personalized quote please call InsuranceGlobe.net at 1-888-950-TERM.

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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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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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Florida Universal Life Insurance

Sep 14, 2010 Types of Life Insurance

Get free instant universal life insurance quotes from InsuranceGlobe.net located in Florida.  Universal life insurance provides a guaranteed death benefit for as long as you need along with guaranteed level premiums.  We can design a policy that will cover you through age 90, 100, 121 or whatever you need.  Please call us at 1-888-950-TERM (8376).  Get your instant universal life insurance quotes now.

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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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Life Insurance for Seniors Over 70

Apr 29, 2009 Life Insurance Quotes, Senior Life Insurance

Life Insurance for Seniors Over 70

Looking for life insurance for seniors over 70?  Here you will be able to get accurate life insurance quotes and save time and money.  You will be able to get rates for term and universal life insurance from several competing insurance companies.

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