With our unique technology, we have earned their trust by giving them what they want - the right choices and affordable prices. My contact at the company advises me as to the various insurance company offerings and their guidelines for approval. I have relied on him repeatedly for accurate answers, constructive thoughts and direction. My partner referred me to these folks to see what pricing was appropriate for my key person insurance policy.
They listened to the facts and details of my medical history. We were able to save 60% from the offer secured by my former insurance agent. They were able to help me to find the lowest cost plan available. Two years later, they were able to improve on the pricing of that same plan when I was able to present new health information to the insurance company.
They listened to the facts and details of my medical history. We were able to save 60% from the offer secured by my former insurance agent. They were able to help me to find the lowest cost plan available. Two years later, they were able to improve on the pricing of that same plan when I was able to present new health information to the insurance company.
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A general industry rule of thumb is life insurance policy from ten to twenty times your gross annual income is considered to be adequate coverage.
For example, if your gross income is approximately $50,000 per year, the suggested level of coverage would be approximately $750,000 (somewhere between $500,000 and $1,000,000).
Of course this is just a general rule.
You will have to decide if it is appropriate for you.
Term is the lowest cost life insurance product available.
When you buy term life, you are purchasing "pure" insurance which typically does not include a cash value or a savings feature.
For example, if your gross income is approximately $50,000 per year, the suggested level of coverage would be approximately $750,000 (somewhere between $500,000 and $1,000,000).
Of course this is just a general rule.
You will have to decide if it is appropriate for you.
Term is the lowest cost life insurance product available.
When you buy term life, you are purchasing "pure" insurance which typically does not include a cash value or a savings feature.
There is a myth that people with certain ailments cannot purchase life insurance.
There are many highly-rated insurance companies that welcome this type of business.
Heart conditions, diabetes, cancer, high blood pressure, elevated cholesterol levels, and other medical conditions, can many times get a favorable offer.
All questions contained in this questionnaire are strictly confidential and will become part of your medical record.
There are many highly-rated insurance companies that welcome this type of business.
Heart conditions, diabetes, cancer, high blood pressure, elevated cholesterol levels, and other medical conditions, can many times get a favorable offer.
All questions contained in this questionnaire are strictly confidential and will become part of your medical record.
Term insurance is the most straightforward form of protection.
You generally pay premiums on a monthly or annual basis and your family is protected for that "term".
Term Life coverage usually comes in 10, 15, 20 or 30 years of coverage with a guaranteed benefit.
The affordable premiums are level for the initial policy term that you choose based on your needs.
The policy is guaranteed to renew up to age 95.
Once past the level premium period, premiums will increase annually.
An affordable way to cover specific financial responsibilities like a mortgage or college expenses.
You generally pay premiums on a monthly or annual basis and your family is protected for that "term".
Term Life coverage usually comes in 10, 15, 20 or 30 years of coverage with a guaranteed benefit.
The affordable premiums are level for the initial policy term that you choose based on your needs.
The policy is guaranteed to renew up to age 95.
Once past the level premium period, premiums will increase annually.
An affordable way to cover specific financial responsibilities like a mortgage or college expenses.
If people depend on your income, life insurance can replace your income for them if you die prematurely.
A common example of this scenario is parents with young children.
This also applies to couples for which the survivor would have financial difficulties if they no longer had the income of their partner.
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
A common example of this scenario is parents with young children.
This also applies to couples for which the survivor would have financial difficulties if they no longer had the income of their partner.
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
When Ann Reynolds' husband, Mark, died in 2003, he left behind what seemed like a modest life insurance benefit.
But it has made a world of difference in Ann's life.
Once an energetic human resources executive who power-walked five miles a day, Ann, 53, is confined to a wheel chair because of a degenerative back condition.
Unable to work, she relies on a disability insurance policy she bought through her employer and Social Security payments, which together just manage to meet her living expenses.
But it has made a world of difference in Ann's life.
Once an energetic human resources executive who power-walked five miles a day, Ann, 53, is confined to a wheel chair because of a degenerative back condition.
Unable to work, she relies on a disability insurance policy she bought through her employer and Social Security payments, which together just manage to meet her living expenses.
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