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affordable life insurance

Affordable Life Insurance Rates – July 2017

Affordable Life Insurance Rates

Below you will find current affordable life insurance rates for

  • TERM LIFE INSURANCE,
  • GUARANTEED UNIVERSAL LIFE INSURANCE (a competitively priced form of permanent life insurance) and
  • RETURN OF PREMIUM Term Life Insurance.

These rates were obtained for MALE/FEMALE, non smoker, qualifying for the Best Health Category, and for face amounts of $500,000.

affordable life insurance

About Affordable Life Insurance Quotes

TERM LIFE INSURANCE – Use  our INSTANT LIFE INSURANCE QUOTE engine to obtain Term Life Insurance quotes. You will be able to find term life insurance quotes for maturities of 10, 15, 20, 25 and 30 years and others. You can also find term life insurance policies with maturities up to a certain age, such as “To Age 65 Level”; “to Age 90 Level”; etc. For a more detailed definition of Term Life Insurance, click HERE.

GUARANTEED UNIVERSAL LIFE INSURANCE (GUL)– If you are looking for permanent life insurance, GUL is the way to go. Select “to Age 121 Level (No Lapse UL) and you will find permenent life insurance rates for very competitive rates.. You can also search for affordable GUL life insurance rates using the INSTANT LIFE INSURANCE QUOTE engine. You will have life insurance protection until age 121 at an affordable price. “No Lapse”, by the way,  means exactly what it says, the coverage will not lapse provided that the premiums are paid as due. For details about what GUL is all about, click HERE.

RETURN-OF-PREMIUM TERM LIFE INSURANCE (ROP) – Return-of-Premium Term Life Insurance is term life insurance with a rider (at an added cost). What is does is return all premiums paid at the end of the term (10, 20, 30 years, etc.) if the insured is still alive at the end of the term and has paid all premiums as due and on time. Please, search for ROP quotes using our INSTANT LIFE INSURANCE QUOTE engine. For more details about ROP, click HERE.

Articles Related to Affordable Life Insurance Rates

We Can Help

Get in touch with us using our contact information as it appears below. One of our agents will help you find term life insurance quotes that best fits your personal and financial situation:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Or, CLICK HERE

OSCAR G. SURIS

Florida-Licensed Life, Health and Variable Annuity Agent

Toll Free: (888) 950-8376

Office: (786) 353-2528

CLICK FOR NO-OBLIGATION LIFE INSURANCE QUOTE

 

affordable term life insurance rates

Affordable Life Insurance Rates – May 2017

Affordable Life Insurance Rates

Below you will find current affordable life insurance rates for TERM LIFE INSURANCE, GUARANTEED UNIVERSAL LIFE INSURANCE (a competitively priced form of permanent life insurance) and RETURN OF PREMIUM Term Life Insurance. These rates were obtained for MALE/FEMALE, non smoker, qualifying for the Best Health Category, and for face amounts of $500,000.

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About Affordable Life Insurance Quotes

TERM LIFE INSURANCE – Use  our INSTANT LIFE INSURANCE QUOTE engine to obtain term life insurance quotes. You will be able to find term life insurance quotes for maturities of 10, 15, 20, 25 and 30 years and others. You can also find term life insurance policies with maturities up to a certain age, such as “To Age 65 Level”; “to Age 90 Level”; etc. For a more detailed definition of Term Life Insurance, click HERE.

GUARANTEED UNIVERSAL LIFE INSURANCE (GUL)– If you are looking for permanent life insurance, GUL is the way to go. Select “to Age 121 Level (No Lapse UL) and you will find permenent life insurance rates for very competitive rates.. You can also search for affordable GUL life insurance rates using the INSTANT LIFE INSURANCE QUOTE engine. You will life insurance protection until age 121 at an affordable price. “No Lapse”, by the way,  means exactly what it says, the coverage will not lapse provided that the premiums are paid as due. For details about what GUL is all about, click HERE.

RETURN-OF-PREMIUM TERM LIFE INSURANCE (ROP) – Return-of-Premium Term Life Insurance is term life insurance with a rider (at an added cost). What is does is return all premiums paid at the end of the term (10, 20, 30 years, etc.) if the insured is still alive at the end of the term and has paid all premiums as due and on time. Please, search for ROP quotes using our INSTANT LIFE INSURANCE QUOTE engine. For more details about ROP, click HERE.

Articles Related to Affordable Life Insurance Rates

We Can Help

Get in touch with us using our contact information as it appears below. One of our agents will help you find term life insurance quotes that best fits your personal and financial situation:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Or, CLICK HERE

OSCAR G. SURIS

Florida-Licensed Life, Health and Variable Annuity Agent

Toll Free: (888) 950-8376

Office: (786) 353-2528

 

 

 

 

 

seguro de vida con devolución de prima

Affordable Life Insurance Rates – April 2017

Affordable Life Insurance Rates

Below you will find current affordable life insurance rates for TERM LIFE INSURANCE, GUARANTEED UNIVERSAL LIFE INSURANCE (a competitively priced form of permanent life insurance) and RETURN OF PREMIUM Term Life Insurance. These rates were obtained for MALE/FEMALE, non smoker, qualifying for the Best Health Category, and for face amounts of $500,000.

About Affordable Life Insurance Quotes

TERM LIFE INSURANCE – Use  our INSTANT LIFE INSURANCE QUOTE engine to obtain term life insurance quotes. You will be able to find term life insurance quotes for maturities of 10, 15, 20, 25 and 30 years and others. You can also find term life insurance policies with maturities up to a certain age, such as “To Age 65 Level”; “to Age 90 Level”; etc. For a more detailed definition of Term Life Insurance, click HERE.

GUARANTEED UNIVERSAL LIFE INSURANCE (GUL)– If you are looking for permanent life insurance, GUL is the way to go. Select “to Age 121 Level (No Lapse UL) and you will find permenent life insurance rates for very competitive rates.. You can also search for affordable GUL life insurance rates using the INSTANT LIFE INSURANCE QUOTE engine. You will life insurance protection until age 121 at an affordable price. “No Lapse”, by the way,  means exactly what it says, the coverage will not lapse provided that the premiums are paid as due. For details about what GUL is all about, click HERE.

RETURN-OF-PREMIUM TERM LIFE INSURANCE (ROP) – Return-of-Premium Term Life Insurance is term life insurance with a rider (at an added cost). What is does is return all premiums paid at the end of the term (10, 20, 30 years, etc.) if the insured is still alive at the end of the term and has paid all premiums as due and on time. Please, search for ROP quotes using our INSTANT LIFE INSURANCE QUOTE engine. For more details about ROP, click HERE.

Articles Related to Affordable Life Insurance Rates

We Can Help

Get in touch with us using our contact information as it appears below. One of our agents will help you find term life insurance quotes that best fits your personal and financial situation:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Or, CLICK HERE

 

 

 

 

 

second to die life insurance

…If You Are Not Ready for Whole Life Insurance…

If you are not ready for whole life insurance and are looking for a cheaper alternative, please read on!

Without doubt, whole life insurance is not only one of the top products of the industry, but also an important investment vehicle to be considered for wealth accumulation purposes, in particular if you are in the, well, wealth accumulation phase of your life. A properly structured whole life policy can offer: safety; tax-deferred growth; a competitive rate of interest; protection from creditors; does not limit how much money you can put in it; and it could be used as collateral, among other uses.

Whole life insurance is more costly than term and if you are looking for the benefits that whole life offer but find that your current budget just won’t allow you to make the necessary premium payments, you may go for a type of term life insurance the permits you to transition later in life into whole life. They perform as a bridge from term to perm. For instance, in you convert within the first 5 years of the policy, every dollar that you spend (in term premiums) can be recaptured and credited toward the first-year premium of a new permanent life insurance policy.

For a free analysis of how this could work for you, call us at our Toll Free Number 888-950-8376, or click on CONTACT US , write to us, and one of our licensed agent will get in touch with you ASAP!

 

term life insurance for a single parent

Life Insurance for Single Parents

Life Insurance for Single Parents is a topic that should be of interest to you if you are a single parent.

How Life Insurance Can Help

Life insurance is a recommended financial tool for most everyone with dependents. Life insurance pays not only for funeral expenses and outstanding bills, but it also provides financial security for surviving children and spouses.

Financial Risks That May Impact Your Family

Single parents are particularly more in need of life insurance in order to provide for his/her children in case something were to happen to the single parent. Children may suffer not only financially, but also emotionally when losing their single parent. Because of the typical financial bind of a single parent, they may more easily decide to avoid the expense of obtaining life insurance to balance their already stressed budget. Nevertheless, they should “think big” and make sure they have adequate life insurance in order to provide for the short and long-term care needs of their children.

Sample Life Insurance Rates

For instance, to replace an annual income of $100,000, and assuming one can earn an annual rate of interest of 5% on investments, it would take a life insurance policy with a face amount of $2,000,000 to generate such income. Below are rates from various top rated life insurance company for a

40 Years Old Female; Best Health Category; 20-Year $2,000,000 Term Policy 

  • $945.00 per year with Ohio National Life Assurance Corporation
           FlexTerm Series VIII – 20 Year    Super Pfd Non-Smoker
           Monthly: $81.74
  • $1,005.00 per year with Ohio National Life Assurance Corporation
           FlexTerm Series VIII – 20 Year Plus    Super Pfd Non-Smoker
           Monthly: $86.93
  • $1,020.00 per year with Savings Bank Life Insurance Co of MA
           T-20/20 – 20 Year Term    Pfd Plus Non-Nicotine
           Monthly: $88.74
  • $1,045.00 per year with Banner Life Insurance Company
           OPTerm 20 – 20 Year Term    Pfd Plus Non-Smoker
           Monthly: $91.44
  • $1,090.74 per year with Protective Life Insurance Company
           Custom Choice UL – 20 Year No Lapse    Select Pfd Non-Tobacco
           Monthly: $94.08

How Can We Help?

If you would like to:
  • find about more about a particular life insurance policy, including obtaining a consumer brochure describing complete details about said policy;
  • or if ready to file an application at this time;
  • or if you would like to explore other life insurance options, including obtaining a Free Personalized Life Insurance Quote;
  • please, click on CONTACT US, or call our Toll Free Number 888-950-8376.
final expense life insurance

Universal vs Whole LIfe

Looking For Life Insurance?

Looking for life insurance but not sure about Universal vs Whole Life?

If you have avoided the topic of life insurance, and has now realized you can no longer ignore it, you may be undecided between permanent or temporary life insurance. Then you must also have wrestled with the issue of Universal vs Whole Life when considering permanent life insurance. Both Universal Life Insurance as well as Whole Life Insurance are permanent forms of life insurance. Let’s see below how they are alike and how they are different.

Should You Go For Term Life Insurance?

For many people owning Term Life Insurance is an effective way to protect their families and others who depend on them, particularly for the short-term.

The great majority of these same people, however, also want the added protection and flexibility of permanent insurance but are unsure as to which type is right for their situation.

The type of permanent insurance which is best for your depends on your preferences and attitudes toward a range of factors such as risk preference, flexibility, guarantees and your retirement and legacy objectives.

Is Whole Life Insurance For You?imagesCA9T22D2

If you prefer a policy that that has both guaranteed death benefit protection as well as a guaranteed form of cash value growth, you should look into a Whole Life policy.  Whole Life Insurance has guaranteed level premiums and guaranteed cash value and also guaranteed death benefits.  Whole life policyholders are eligible to receive annual dividends, as declared by the insurance company.  Please, note that dividends are not guaranteed. However. If paid, they may increase the cash value and death benefits over time.  In general, it should be noted, a dividend-paying whole life policy will cost approximately twice as much as a universal life policy. Still, one you take into account dividends paid over time, which actually represent a no-risk return of capital, Whole Life Insurance could very well be a logical addition to your assets classes.

Or Universal Life?

If you prefer a policy with guaranteed death benefit protection over the potential for cash value growth, you should think about Universal Life Insurance with a guaranteed death benefit.  Universal life generally provides a guaranteed premium and can be designed to provide a guaranteed death benefit and typically does not focus on cash value accumulation.

Contact Us For A Free Customized Quote

For an a life insurance quote illustration (TERM, and/or WHOLE LIFE and/or UNIVERSAL LIFE), or if you have any questions, please call our Toll Free Number 888-950-TERM (8376).