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

 

 

 

 

 

affordable life insurance rates

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

 

 

 

 

 

affordable life insurance

4 Ways To Save On Life Insurance

4 Ways To Save On Life Insurance

If you are like a lot of people, you would like to find ways to save on life insurance. Here you will find 4 ways to save on life insurance.

Many americans, some say upwards of 50 million, have absolutely no life insurance protection. The reason is that most of them, about 85%, believe they can’t afford it. However, please, take a look at the information we are sharing below:

4 Money-Saving Tips:4 ways to save on life insurance

  1. Don’t Overbuy. If you need $500,000 in coverage, you would waste money purchasing $750,000.
  2. Stop Smoking. Kicking the habit could reduce your life insurance premium by 40%.
  3. Buy Term Life Insurance. A 40-year-old male can buy $250,000 of coverage for less than $18 per month.
  4. Shop Around. Rates vary, some times wildly, from carrier to carrier, and comparing quotes is the best way to find affordable rates.

 

What Could Be the Consequences of not Having Life Insurance?

  • You say you can’t afford life insurance right now. But how would your surviving spouse come up with an amount equivalent to the life insurance benefits when you are dead and gone?
  • Are you saying it takes all of your income to live now with nothing left to pay for life insurance? If so, what is your family going to do with little or no income after you are gone?
  • When you buy life insurance you are transferring the risk of your family not having your income, if you are not around to provide it, to the life insurance company. Without life insurance, it is your family (your spouse and your children) the one that is assuming that financial risk.
  • Click on A Legacy Of Love ( a video).

We Can Help!4 ways to save on life insurance

We can help you find the life insurance policy that best fits your personal and financial situation.

  • Click SAMPLE LIFE INSURANCE RATES and see that Term Life Insurance is in fact affordable.
  • Click DO YOUR OWN RESEARCH, enter your own data in our Quote Engine and find out the policies that will meet your personal and financial needs.
  • Call our Toll Free Number (888) 950-8376 and we will do the work for you.
  • Go to CONTACT US.

Other Posts of Interest

Return of Premium Term

Term Life Insurance Rates Are At All Time Lows!

Term Life Insurance Rates

Yes! Term Life Insurance rates are at all time lows! If you are looking for Term Life Insurance to provide financial protection for your family in the event of your untimely death, NOW is the time to do it. Term Life Insurance is as cheap as it has been in a long time. If your policy is older than 5 years, you should get together with your agent and do a policy review as soon as possible. Also, please, check current Term Life Insurance and Universal Life Insurance (permanent) rates below.

Living Benefits

There are also new features in modern life insurance policies, frequently included in the Term Life Insurance premium, such as Living Benefits. With Living Benefits you do not have to die to collect life insurance benefits. How does it work? Living Benefits provide access to cash from a life insurance policy that can be used while you are alive. Living Benefits are also known as Accelerated Death Benefits. Benefits are based on the insured incurring a chronic, critical, or terminal illness as defined in the policy. For more details, click on the link that appears below:

Trendsetter LB (Living Benefits) – TRANSAMERICA

Universal Life Insurance

Similarly, permanent life insurance, in the form of Universal Life Insurance, is also very competitively priced. If you are looking for permanent life insurance, check Universal Life Insurance rates. Universal Life Insurance is a flexible form of Permanent Life Insurance that allows the policy owner to move money between the life insurance component and the savings component of the policy. It permits the policy owner to make adjustments as their personal circumstances change. Universal Life Insurance is a form of permanent life insurance, much, much, cheaper than Whole Life Insurance, which is the other form of permanent life insurance.

Current Term Life Insurance And Universal Life Insurance Rates

term life insurance rates

Term Life Insurance Rates

We Can Help

If you do not find in the above chart the life insurance premium for you, we can help you find the policy that fits your personal and financial situation.

Contact us at:

Office: (786) 353-2528

Toll Free: (888) 950-8376

Email: info@insuranceglobe.net

 

Disability Income Insurance

Why Do I need Life Insurance If I Have No Dependents?

Why Do I Need Life Insurance?

I recently visited a financial planning forum and saw the following question posted: “Why Do I Need Life Insurance”. The question could have also been, “Why Do I Need Life Insurance If I Am Single? Looking at some of the feedback and responses, I thought that “Why Do I Need Life Insurance?” touches on various aspects of life insurance that should be of interest to my blog readers. My hope is that before you go looking for life quotes and possibly start searching for the best life insurance companies, as a lot of people rightfully do, you would want to read this post. The complete question, as posted in the life insurance forum, follows:

The benefits guy at work keeps telling me that I need to sign on to the company’s term life insurance plan. I’ve told him repeatedly that I don’t have a family, and I know of no one to whom I’d leave my possessions or money. However, he still insists that I need the coverage. For what reason would I need coverage under these circumstances?

Update: Everyone is missing the point. If you’re dead, then why care if you have unpaid bills. You’re dead. Burying you or throwing you in a ditch will make little difference to you at that point. They can’t take from my family’s assets, because I have no family, and it’s not as if I’ll need my assets anymore after the fact. With this in-mind, now answer the question.

The person asking the question, does have a point, I have to admit. If you do not have any family members you care about, do not plan to create a family, and if you really do not care what happens to your remains, once you are gone, then why bother with life insurance. Not sure, however, there are many people out there like that.

Assuming that an individual does not have any family members who would suffer financially if he/or she were to suddenly die, the possibility still exists that down the road one could get married (or not) and start a family and then be concerned with the financial security of that family if one were not to be around to take care of them financially. And, in that case, meaning having to purchase life insurance at a later time in life,  that person would end up paying more to get life insurance than if they would have gotten it earlier.

About Group Term Life Insurance

why do I need life insurance?

Why Do We Need Life Insurance?

Going back to the question posed by our friend the forum visitor, he/she is referring to Group Term Life Insurance, most likely. According to INVESTOPEDIA,

“Group Term Life Insurance is a type of insurance coverage offered to a group by an employer, association or other organization. Coverage provides a benefit to the beneficiaries if a covered individual dies during the covered period. As with some types of group benefits, group term life insurance is generally less expensive than individual policy coverage. For this reason, group term life insurance is often a key component in employee benefit packages”.

You may want to check to a look at the following:

VIDEO-UNDERSTANDING GROUP TERM LIFE INSURANCE, by VOYA FINANCIAL.

Pros and Cons of Group Term Life Insurance

why do I need life insurance?

why do I need life insurance?

PROS

  • No underwriting required for employer paid portion.
  • Consequently, those with severe health conditions can get coverage.
  • Age does not matter.
  • Employer may offer free coverage up to a stated amount of life insurance.Tends to be easy to sign up for.

CONS

  • If you want coverage above what the employer offers free, if any, and you are young and healthy, then the additional             coverage could be expensive because you should be able to get better rates with a policy specifically tailored for you.
  • Premiums increase every year. Group term life insurance is renewable annually and at time of renews each participitant, is, obviosly, one year older.
  • Coverage ends when you leave the job. In most cases you can continue paying for the coverage, but rates will go up according to your age and health situation at the time you apply for a new policy.
  • The employer elects they type of life insurance coverage. Most likely it will be Term Life Insurance.
  • But if you are young and healthy and decide to get your own policy for coverage in addition to what the employer offers free, you should also consider, Whole Life Insurance, Universal Life Insurance and Return of Premium Life Insurance.

TO CONCLUDE:

So, in answer to “Why Do I Need Life Insurance”, our feedback is that life insurance should be purchased as early in life as possible. The longer you wait the older you will be and the possibility of having health issues increases with age, as so does life insurance premiums. Even our friend in the life insurance forum should at least get whatever his/her employer offers free.

Call us at (786) 353-2528 and we will work with you to help you find the life insurance policy that meets your personal and financial situation. You can also get life insurance quotes using our quote engine by clicking Term Life Insurance.

why do I need life insurance?

Oscar G. Suris FL Agent
(786) 353-2528