Term Life Insurance at Work, MetLife, term insurance online quote.

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Term Life Insurance

Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

Term insurance online quote

Common types of term life insurance that may be available through your workplace include:

Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

For complete plan details, talk to your company’s benefits administrator.

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

  • Replacing lost income
  • Covering basic living expenses
  • Paying household debts, estate taxes and funeral expenses
  • Funding a child’s education
  • Supplementing retirement savings

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

  • Competitive group rates
  • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
  • Convenient payroll deductions
  • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
  • The confidence of knowing that your employer has reviewed and selected the plan

All you have to do is sign up, and sometimes enrollment is automatic.

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

  • Salary
  • Benefits/health insurance
  • 401(k) and retirement savings
  • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

Then, subtract your personal expenses including:

  • Annual spending on personal needs, such as food, clothing, entertainment, etc.

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

Premiums are typically based on factors such as:

  • Age, sex, height and weight
  • Health status, including whether or not you smoke
  • Participation in high-risk occupations

Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.


What is term life insurance? Ultimate Guide to Retirement, 10 year term insurance.

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What is term life insurance?

Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none that you don’t. That’s why it’s the best choice for almost everyone.

As the name implies, a term insurance policy is good for a specific period of time; that can be one year, 10 years, 20 years or even up to 30 years. Given that you generally need life insurance only until you’ve managed to save up money elsewhere, just pick the term that dovetails with the time you need coverage. If you die during that term, your beneficiaries get a payout, known as the death benefit. If you die after the term expires, there’s no payout.

Term policies typically have maximum issue ages. If you’re past age 80, you’ll have a hard time getting term insurance. (You almost certainly won’t need it at that age anyway.)

10 year term insurance

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How Much Does Life Insurance Cost? Get Average Price, Trusted Choice, life insurance term life.

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Life Insurance Cost

Life insurance term life

The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice В® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

Factors That Affect Your Life Insurance Costs

  • Age: Overall, life insurance rates increase as you age.
  • Health profile: Do you have any chronic conditions? Do you smoke?
  • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
  • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
  • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

The Average Cost of Whole Life Insurance

The following average costs were calculated using the following assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want monthly “level pay” (same payments for the duration of the policy).

The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

The Average Cost of Term Life Insurance

The following average costs were calculated using these assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want to pay monthly for a 20-year term policy.

Life insurance term life

Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

Does Life Insurance Cost More in Certain Regions of the U.S.?

There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

Some factors that may be taken into account to calculate your life insurance costs in your region include:

  • Whether there is a high rate of obesity in your state or region
  • If the area experiences a high rate of deadly natural disasters, such as earthquakes
  • If the region is prone to certain diseases, such as black lung disease typical in miners
  • If the state or region has a high mortality rate due to crime
  • How many policies have been written in that area

Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

How to Lower Your Life Insurance Costs

Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

  • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
    • Get a body mass index (BMI) check done
    • If you have a high BMI, work with a health professional to lose excess weight
  • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
    • Get an annual physical
    • Regularly check your blood pressure, cholesterol, and triglyceride levels
    • Work with a health professional to improve your numbers, if needed
    • Reduce stress, improve your diet and increase exercise
  • Manage your blood sugar to reduce the risk of diabetes.
    • Request a blood sugar test
    • Obtain a diet and exercise plan to help manage blood sugar levels

In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.


What is term life insurance? Ultimate Guide to Retirement, insurance term life.

#Insurance #term #life


What is term life insurance?

Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none that you don’t. That’s why it’s the best choice for almost everyone.

As the name implies, a term insurance policy is good for a specific period of time; that can be one year, 10 years, 20 years or even up to 30 years. Given that you generally need life insurance only until you’ve managed to save up money elsewhere, just pick the term that dovetails with the time you need coverage. If you die during that term, your beneficiaries get a payout, known as the death benefit. If you die after the term expires, there’s no payout.

Term policies typically have maximum issue ages. If you’re past age 80, you’ll have a hard time getting term insurance. (You almost certainly won’t need it at that age anyway.)

Insurance term life

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Life Insurance With No Medical Exam, no exam term insurance. #No #exam #term #insurance


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No exam term insurance While comparing life insurance quotes and coverage, many individuals will notice that most providers require a medical exam before issuing insurance.

The medical exam ensures that the individual does not have a pre-existing medical condition and is a common part of term life insurance and many whole life policies.

While many insurance providers ask for a medical exam, some companies have policies without an exam.

Basics of the Policies:

  • A term life insurance policy that allows consumers the option to forgo a medical exam has a few key differences from the basic insurance. By learning the facts about how it differs from policies that require an exam, it is easier to make an educated decision about whether the policy is appropriate for personal needs. Some companies offer up to $250,000 of life insurance and other as much as $500K life insurance can be purchased without the completion of a medical exam.
  • The policy is usually similar to any other term life policy. A beneficiary is issued funds if the individual dies within the term. The funds issued to the beneficiary depend on the selected policy amount and any conditions. In most cases, term life insurance will issue funds regardless of a cause of death unless the policy has specific requirements, such as accidental death. The only requirement is that the death occur within the term of the policy.
  • Term life insurance allows the individual to select a time-period for insurance, such as 20 year term life insurance so that children reach adulthood, and the insurance does not pay out if the term is past and it has not been renewed.
  • The key difference between policies that require a medical exam and are underwritten for life-expectancy risk and policies that do not is the price. A policy that does not have a medical exam will cost more than other policies due to the potential risk of a medical condition or other problems that shorten life expectancy.

Benefits of No Medical Exam Insurance:

While the insurance is not for everyone, a no medical exam life insurance policy has some key benefits. Making an educated decision about the appropriate policy starts with learning the advantages and disadvantages of the term life policy.

The benefit that most individuals are interested in with a no medical exam policy is the time required to obtain coverage. A policy that requires an exam will take as long as four to six weeks before the policy begins because consumers must first see a doctor and have reports sent to the insurance provider. The insurance provider will then start the underwriting process and give a final cost to consumers. Consumers fill out the final paperwork and then coverage begins.

Those who opt to get insurance without a medical exam will find that the process is much faster and simpler. Paperwork is filled out and the final cost is usually issued within one to two days. Consumers then complete the paperwork and coverage starts. The benefit of a short wait is appealing to those who are concerned about death or who worry about family if an accident occurs.

Beyond the convenience of a shorter wait for coverage, the policy is excellent for those who are denied due to health conditions. Pre-existing conditions, such as diabetes, high blood pressure, high cholesterol or sleep apnea disorder, can result in high coverage costs or denied coverage. The insurance company considers the individual a high risk due to medical conditions or high risk activities they may engage in, such as sky diving or rock climbing. These could cause a shorten life expectancy.

A company that does not require medical exams will not ask about pre-existing conditions and whether or not you are current out of work on disabilty in order to assess how healthy you are. As a result, it is possible to gain coverage when other companies have denied coverage due to medical reasons.

The ease of getting the insurance is the key benefit of term life without medical exams. The exams take time, require doctor s visits and might result in getting denied after the paperwork is finally completed. This type of policy is guaranteed because health conditions are not a factor in the decision to provide coverage.

Disadvantages of Coverage:

Despite the positives of getting coverage without a medical exam, individuals and families will have some downsides to consider. The disadvantages of the coverage are part of making a decision based on personal requirements for coverage options.

The key disadvantage is the additional cost. In most cases, the price of coverage is higher than the cost of options that require a medical exam. The cost of term life insurance without a medical exam will often depend on factors like age, whether an individual smokes cigarettes and the length of the term selected. It will be higher than the same policy with an exam, but the guarantee of acceptance is sometimes worth the slightly higher cost.

Another downside is finding the appropriate policy for personal needs. Every policy is different and not all policies that do not have a medical exam will fit individual requirements.

Life insurance does not always require a medical exam. The key is finding a policy that right for personal needs and that fits an individual budget.

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No exam term insurance


No Medical Exam Life Insurance: Globe Life Official Site, no medical exam term life insurance. #No #medical #exam #term #life #insurance


No Medical Exam Life Insurance Simple Application

A No Medical Exam Life Insurance policy with just a simple application can now be purchased from the comfort of your own home. Getting traditional life insurance can be time consuming, involving multiple steps that can wind up distracting our attention from our required routines. If you work long hours, travel a lot or have a difficult schedule, you may be avoiding the perceived hassle of getting a policy. Life Insurance is a viable modern day option.

A No Medical Exam Life Insurance policy means people can receive real coverage, without having to provide blood and urine for testing. With No Medical Exam Life Insurance, you only have a simple application.

No medical exam term life insurance

Getting Educated About No Medical Exam Life Insurance Simple Application

For those of us living very busy lives, we need to learn about No Medical Exam Life Insurance because it helps us to get the process over with in a way that causes the least amount of interruption to our lives. The ease of getting Life Insurance No Medical Exam Simple Application coverage assures that you won t be forced to delay getting insured just because you lack the necessary time to give the purchase your full attention.

No Appointments Required

Typically, to get a life insurance policy, you have to qualify by passing a basic medical exam. Of course, this often means making an appointment with a doctor, providing a urine sample, and having blood drawn. Another option is that that an insurance company hires a private nurse to visit you and home in order to draw your blood and take a urine sample. Naturally, this means finding the mutually available time span that would allow for an appointment.

No Medical Exam Life Insurance Policy

Your loved ones deserve the security of knowing they are protected, and obtaining a No Medical Exam Life Insurance policy with just a simple application can be tangible evidence of your caring concern for their welfare. If you don t like needles and do like the simplicity and convenience of getting insurance without being examined, No Medical Exam life insurance Simple Application can be an attractive option.

No medical exam term life insurance


No Exam Life Insurance Quotes – 15 Minute Issue without Exam, term life insurance quotes no medical exam. #Term #life #insurance #quotes #no #medical #exam


No Exam Life Insurance

Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

Save time and hassle.

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No Exam’ vs ‘Guaranteed Issue

A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

Is a No-Exam Policy Right for ME?

Yes. If you desire convenience and speed at a fair price.

Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

“Why not a fully underwritten policy with an exam; isn’t it a better price?”

Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


Term Life Insurance Quotes and Insurance Resources, QuickQuote, quote for term life insurance. #Quote #for #term #life #insurance


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Answers to Your Term Life Insurance Questions

What is term life insurance?

Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

How much does term life insurance cost?

Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

How do I buy term life insurance?

You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

How do I apply for term life insurance?

The term life application process is simple. We’ll do most of the heavy lifting for you.

    1. Select a company – Pick your favorite and click “Apply.”
    2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
    3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
    4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
    5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
    That’s it! It really is that simple.

What Is The Difference Between Whole Life Insurance And Term Insurance, explain term life insurance. #Explain #term #life #insurance


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Explain term life insurance

Explain term life insurance

Explain term life insurance

What Is The Difference Between Whole Life Insurance And Term Insurance?

Two of the most popular forms of life insurance are whole life and term life insurance. Although their purpose is the same, overall they are different. It is these differences that determine who purchases what. This also has a bearing on how much of a death benefit is paid to the beneficiaries of the insured.

Both types of policies have their advantages, which is why you want to evaluate them carefully and even make other comparisons like universal versus term life. Some individuals are better suited for whole life insurance, while others are better suited for term life insurance. Evaluate your age, your financial situation, and the needs of you and your family so that you can choose.

Whole Life Insurance

Whole life insurance does come with a larger premium than term, but it doesn’t have to be too high. You can have whole life insurance without a hefty price tag. Nevertheless, there is a reason why it is more than term life insurance.

First, the premium is fixed. This means that it does not change throughout the life of the policy. The death benefit does not change either. This is important because this means it does not matter the state of your health, you are always going to pay the same amount.

The death benefit may not be as high, but that’s understandable since whole life insurance gains cash value. This means that as soon as you start paying your premium, a portion of it is going to be invested in investments that the insurance company chooses. A return on the investment will then be applied to your policy so that it grows in cash value.

Once you have obtained this cash value, over time it will grow to something you can use if you need it. For instance, you can borrow from the cash value and then pay it back later. This cash value will also be paid out to your beneficiaries in the event of your death. This means that they will have even more money to work with when paying final expenses and getting on their feet.

Term Life Insurance

Term life insurance doesn’t have any sort of cash value to it. It is a straight insurance policy. You are also required to submit to a health exam if you choose this option. Whole life insurance doesn’t require the health exam. The higher premium compensates for this, so it is possible for individuals of all ages to open a policy.

With term life, you may pay the same premium throughout the life of the 5 to 40 year term, depending on how long you want to be covered. However, you may choose a non-guaranteed premium if you want to save more money. That means that you may only be guaranteed a certain premium for a certain number of Years. After the guarantee period is over, the premium can change.

Term life also expires after the term and the only way to resume coverage is to renew. Because you will be older, the premium will be higher. Nevertheless, many enjoy term life insurance for the fact that the death benefit can be very high and place their family in a good financial position.

Nevertheless, both term and whole life insurance can provide a person’s family with a death benefit that will benefit them after your death. There are final expenses to be paid and you may even want to provide your family with an income for a while so that they can get back on their feet. No matter what you want to do, there is a policy that will be the perfect fit.

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No Exam Life Insurance Quotes – 15 Minute Issue without Exam, term life insurance no exam. #Term #life #insurance #no #exam


No Exam Life Insurance

Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

Save time and hassle.

Term life insurance no exam

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No Exam’ vs ‘Guaranteed Issue

A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

Is a No-Exam Policy Right for ME?

Yes. If you desire convenience and speed at a fair price.

Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

“Why not a fully underwritten policy with an exam; isn’t it a better price?”

Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


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Life insurance: Why it matters and how to shop for it

You work hard to provide a good life for your family, and you’d do anything to protect them. But what would happen to them financially if you died tomorrow?

If the answer troubles you, then you need life insurance. Life insurance provides a safety net tomorrow for the loved ones who depend on you today.

But where should you start? There are two main types of coverage are available: term life and permanent life insurance. The first step is to decide which of these suits you best.

Term vs. permanent life insurance

Term life insurance covers you for a certain period, such as 10, 15 or 20 years. Buyers typically choose a policy that covers them until their mortgages and other debts are paid off, or the kids have graduated from college and are living independently.

Term life is fairly straightforward, compared to permanent life, and it’s less expensive than a permanent life policy. The average cost of a 20-year, $250,000 term life policy for a healthy 30-year-old is about $160 a year, roughly the cost of one latte per week, according to LIMRA and the LIFE Foundation.

A term life policy pays out if you die during the term while the coverage is in effect. Then your beneficiary collects the proceeds, called the “death benefit.” You can’t cash in the policy while you’re still alive. With term life you risk buying something that your family might never end up using, but in return you gain the peace of mind of knowing they’d be OK if you died unexpectedly.

Permanent life insurance, such as whole life or universal life, covers you for the rest of your life. The policy pays the death benefit to your beneficiary whether you die tomorrow or in 50 years.

Permanent life insurance also includes an investment component, known as “cash value.” The cash value of the policy starts off small and then gradually grows tax-free. If you hold onto the policy for many years, the cash account becomes a nest egg. You can borrow from the cash value — the policy stays in effect as long as you repay the money, plus interest — or surrender the policy for the cash.

Because of its cash value and lifelong coverage, permanent life insurance is pricier and more complex than term life. Some policies even provide long-term care benefits.

Which type of life insurance should you buy?

Choose term life insurance if you:

  • Need coverage only until a certain age (say, the age when your youngest child graduates college).
  • Have no dependents who will need financial help for the rest of their lives.
  • Don’t own a family business or have a large estate to protect.
  • Want the most affordable type of coverage available.

Choose permanent life insurance if you:

  • Want to provide for lifelong dependents, such as a child with special needs.
  • Need to protect a large estate or family business from estate taxes.
  • Want to leave a legacy.
  • Want to provide loved ones with money for your final expenses, such as medical bills and funeral costs, no matter when you die.

How much life insurance should you buy?

Beware of easy formulas, such as multiplying your annual income by a certain number. Instead, do a thorough needs analysis. Determine how much your family would need to pay your final expenses, such as funeral costs, and how much your loved ones would need over the long haul to maintain their quality of life. Consider big expenses, such as paying off the mortgage and other debts, and funding your children’s college educations.

Both parents should be insured — not just the primary breadwinner. To determine the amount of insurance for a stay-at-home parent, consider how much it would cost to replace the services that parent provides, such as day care and other household tasks.

Don’t assume your group life insurance through work will provide all the coverage you need. Most group life policies are small, and the coverage ends when your job ends. Roughly four in 10 insured married people depend solely on group life policies, according to LIMRA.

Life insurance rates

Life insurance premiums vary according to the type of policy, amount of coverage and the insurer, as well as your age and health.

That’s why it’s important to buy coverage sooner rather than later. The longer you wait, the higher the premiums will be and the greater the risk that you could develop a health condition that will disqualify you from coverage. Besides comparing policies, evaluate insurance companies. Insure.com’s Best Life Insurance Companies Tool can help you sort through leading companies based on their customers reviews.

Unsure about the cost of life insurance? Get a no-obligation quote

If you re interested in learning how much life insurance will cost for you, a sensible first step is to request some quotes. This will give you a sense of how much life insurance you can afford, and which companies are likely to be your best bets for coverage.

Insure.com compiles data from numerous leading life insurance companies to help you compare quotes easily and quickly. You can start comparing quotes by filling in your information at the top of this page.

When it comes to securing life insurance, the first steps can be among the hardest. But if you take them today, you ll be that much closer to knowing that your loved ones will be supported in the event of your death.

And there s really no substitute for that knowledge.

Chicago term life insurance


Term Life Insurance Quote Calculator, TIAA, life insurance quote term. #Life #insurance #quote #term


Life Insurance Premium Quick Quotes

  • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
  • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
  • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
  • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

To discuss your specific situation, call us at 877-276-9429.

Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

Life insurance quote term

Not a customer yet?

Ask us anything

Weekdays, 8 a.m.-10 p.m. (ET)

Saturday, 9 a.m.-6 p.m. (ET)

Find a local office

FINRA BrokerCheck

For employers

For institutional investors

For financial advisors

For individual customers

About TIAA

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Life insurance quote term. TIAA Direct and EverBank are divisions of TIAA, FSB.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


How much will life insurance cost me? Ultimate Guide to Retirement, term life insurance estimate. #Term #life #insurance #estimate


How much will life insurance cost me?

That depends on your age, your health and the size of the death benefit you want. No surprise that the younger and healthier you are, the lower your premium will be.

Just as a ballpark, a healthy 35-year-old man who buys a 20-year level term policy, which has a fixed annual premium, might pay $430 a year to secure a $500,000 death benefit. A healthy 50-year-old man who buys the same policy might pay $1,300 a year. If he waits until he’s 65, the policy will cost about $7,300 a year.

Premiums for cash-value policies are much higher. For example, the healthy 35-year-old man who pays $430 a year for a $500,000 term policy would pay about $4,400 a year for a $500,000 universal life policy – in part because a portion of that $4,400 is going into the investment component of the policy. That’s a huge difference.

Term life insurance estimate

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. . All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S P Dow Jones Indices LLC and have been licensed for use to S P Opco, LLC and CNN. Standard Poor’s and S P are registered trademarks of Standard Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices S P Dow Jones Indices LLC and/or its affiliates.

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Term life insurance estimate Term life insurance estimate


What are the different types of term life insurance policies, III, 20 year level term life insurance. #20 #year #level #term #life #insurance


What are the different types of term life insurance policies?

IN THIS ARTICLE

Term insurance comes in two basic varieties—level term and decreasing term. These days, almost everyone buys level term insurance. The terms “level” and “decreasing” refer to the death benefit amount during the term of the policy. A level term policy pays the same benefit amount if death occurs at any point during the term.

Common types of level term

  • Yearly- (or annually-) renewable term
  • 5-year renewable term
  • 10-year term
  • 15-year term
  • 20-year term
  • 25-year term
  • 30-year term
  • Term to a specified age (usually 65)

Renewable term policies

Yearly renewable term, once popular, is no longer a top seller. The most popular type is now 20-year term. Most companies will not sell term insurance to an applicant for a term that ends past his or her 80th birthday.

If a policy is “renewable,” that means it continues in force for an additional term or terms, up to a specified age, even if the health of the insured (or other factors) would cause him or her to be rejected if he or she applied for a new life insurance policy.

Generally, the premium for the policy is based on the insured person’s age and health at the policy’s start, and the premium remains the same (level) for the length of the term. So, premiums for 5-year renewable term can be level for 5 years, then to a new rate reflecting the new age of the insured, and so on every five years. Some longer term policies will guarantee that the premium will not increase during the term; others don’t make that guarantee, enabling the insurance company to raise the rate during the policy’s term.

Some term policies are convertible. This means that the policy’s owner has the right to change it into a permanent type of life insurance without additional evidence of insurability.

“Return of premium”

In most types of term insurance, including homeowners and auto insurance, if you haven’t had a claim under the policy by the time it expires, you get no refund of the premium. Your premium bought the protection that you had but didn’t need, and you’ve received fair value. Some term life insurance consumers have been unhappy at this outcome, so some insurers have created term life with a “return of premium” feature. The premiums for the insurance with this feature are often significantly higher than for policies without it, and they generally require that you keep the policy in force to its term or else you forfeit the return of premium benefit. Some policies will return the base premium but not the extra premium (for the return benefit), and others will return both.


Term Life Insurance at Work, MetLife, term life insurance free quote. #Term #life #insurance #free #quote


Term Life Insurance

Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

Term life insurance free quote

Common types of term life insurance that may be available through your workplace include:

Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

For complete plan details, talk to your company’s benefits administrator.

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

  • Replacing lost income
  • Covering basic living expenses
  • Paying household debts, estate taxes and funeral expenses
  • Funding a child’s education
  • Supplementing retirement savings

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

  • Competitive group rates
  • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
  • Convenient payroll deductions
  • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
  • The confidence of knowing that your employer has reviewed and selected the plan

All you have to do is sign up, and sometimes enrollment is automatic.

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

  • Salary
  • Benefits/health insurance
  • 401(k) and retirement savings
  • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

Then, subtract your personal expenses including:

  • Annual spending on personal needs, such as food, clothing, entertainment, etc.

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

Premiums are typically based on factors such as:

  • Age, sex, height and weight
  • Health status, including whether or not you smoke
  • Participation in high-risk occupations

Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.


LifeQuotes-Buy Life Insurance Online, Instant Insurance Quotes, Term Life Insurance Rates, instant insurance life quote term. #Instant #insurance #life #quote #term


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Instant insurance life quote term

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Instant insurance life quote term

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Term Life Insurance Quote Calculator, TIAA, term life insurance estimates.

#Term #life #insurance #estimates


Life Insurance Premium Quick Quotes

  • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
  • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
  • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
  • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

To discuss your specific situation, call us at 877-276-9429.

Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

Term life insurance estimates

Not a customer yet?

Ask us anything

Weekdays, 8 a.m.-10 p.m. (ET)

Saturday, 9 a.m.-6 p.m. (ET)

Find a local office

FINRA BrokerCheck

For employers

For institutional investors

For financial advisors

For individual customers

About TIAA

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Term life insurance estimates. TIAA Direct and EverBank are divisions of TIAA, FSB.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


Life Insurance Quotes – Consumer Resources, term life insurance for children.

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Life Insurance Quotes Information

Do others depend on you financially? Do you have a family? Do others depend on you financially? How long could your dependents maintain their current lifestyle without your income? Will they be left with funeral expenses? Will there be legal expenses? If you answer yes to any of these questions, you need to consider life insurance.

If you are single, have no children or are part of a two-income household, you will only need minimal life insurance. Even if you are young and single, a life insurance policy can provide enough money to cover your funeral expenses.

If you have dependents, such as a non-working spouse, children or parents who rely on your income, life insurance should be your highest priority after basic living expenses.

The amount of life insurance you need depends on your particular situation; who will you need to financially protect and for how long? One common rule of thumb is to multiply your annual income by 17 and purchase a policy in that amount. For example, if you make $50,000 a year, you should have $850,000 in life insurance.

What Kind of Life Insurance Do You Need?

There are two basic types of life insurance policies: term life and permanent life insurance.

Term Life Insurance is the most basic type and is meant to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a set monthly premium. This type is usually the most affordable option for individuals under the age of 50.

Permanent Life Insurance lasts for the insureds entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings component. This can build cash value, which can be withdrawn or borrowed against to meet future financial goals.

The two main types of permanent life insurance are whole and universal life insurance.

Whole Life Insurance provides a fixed benefit amount and a fixed premium amount. The benefits of Whole Life Insurance include cash value, dividend payments, secured asset for loan collateral and cash payment for final expenses, such as burial costs, estate and probate taxes. One major advantage to this type of policy is that you can cancel it and receive a rebate for any cash value that has been accumulated.

Universal Life Insurance is similar to Whole Life, as they both have cash value that accumulates in tax-deferred savings over time. Universal policies, however, have a greater degree of flexibility than traditional Whole Life policies. Universal Life policies give you the ability to adjust the premium amount and benefit amount over the term of the policy. You can select two different types of death benefits per Universal policy and opt for the death benefit to only pay what has been accumulated in the cash value of the policy. This would cost less than electing a fixed death benefit plus the cash value.


Term Life Insurance Quote Calculator, TIAA, term life insurance estimate.

#Term #life #insurance #estimate



Life Insurance Premium Quick Quotes

  • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
  • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
  • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
  • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

To discuss your specific situation, call us at 877-276-9429.

Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

Term life insurance estimate

Not a customer yet?

Ask us anything

Weekdays, 8 a.m.-10 p.m. (ET)

Saturday, 9 a.m.-6 p.m. (ET)

Find a local office

FINRA BrokerCheck

For employers

For institutional investors

For financial advisors

For individual customers

About TIAA

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Term life insurance estimate. TIAA Direct and EverBank are divisions of TIAA, FSB.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017



Cheap Term Life Insurance – The Simple Truth; How To Find The Right Policy, cheap term life insurance quote.

#Cheap #term #life #insurance #quote



Cheap Term Life Insurance The Simple Truth; How To Find The Right Policy

Cheap term life insurance is very easy to find. But is it the right cheap term life? That’s a different story. Fortunately, you don’t have to worry about that either. I’m going to show you how to get that taken care of as well.

Where to Shop

First, understand that shopping online for term life is smart. That’s because you may not be able to rely on your local insurance agent if you really want to save money and get the best policy. That’s because if they work for only one company (like Allstate etc.) they won’t be able to shop around for you.

An independent agent can potentially solve that problem because they often represent tens or hundreds of insurance companies. An independent agent should not care which company provides the insurance. If he or she is willing to show you a quote with multiple companies that agent is making the insurance companies compete for your business. Nice.

How to Get the Cheapest Rates – Part I

There are three elements that will guarantee you get the lowest possible term life insurance; your age, your health and your lifestyle. The younger, healthier and safer you are, the lower your rates will be.

Don’t Wait

If you need more life insurance you should apply for a quote now. Every day you wait makes you less attractive to the insurance companies. That means they’ll charge you more next year for the same coverage you could buy today at a lower rate.

Stay Healthy

Eat right, don’t smoke, don’t drink excessively, exercise and take care of yourself. This is all very obvious of course. But what isn’t obvious is if you should wait until you get healthy before you apply. In my opinion the answer is “no…don’t wait.” There are two reasons for this.

First, once you actually get back on the right health path, you can always reapply for coverage and get a lower premium. And second, it might take you longer than you think to reach your health goals and you never know what might happen while you are working on it.

If you have a chronic condition that isn t going to go away, you can still get a guaranteed issue life insurance policy or you can buy a life insurance policy without having a physical exam. If that s the case, you best course of action is to call me directly. That way I ll make sure to match up the right company to fit your needs.

Stay Safe

Insurance companies don’t like to sell policies to people who have a high chance of making a claim. They are funny that way but that’s just the way it is. That being the case, you should realize that if you engage in dangerous hobbies like flying in private planes, skydiving, rock climbing, scuba diving etc., you may not be able to get insurance. Even if you are able to get a policy, you will have to pay much higher premiums. If you are seriously interested in saying money on term life insurance, ditch your dangerous ways.

Be Honest

It makes no sense to try to hide something about your health or hobbies in an attempt to get cheaper life insurance. If there is a claim the insurance company will likely discover the truth and your family won’t get anything more than the premiums you paid. That’s expensive. Be honest my brother and sister.

How to Get the Cheapest Term Life Insurance – Part II – ADVANCED

Make sure you don’t buy too much insurance

Most people fail to consider the fact that over time, their life insurance needs change. You might need a base amount now, more in 5 years and a lot less in 15 years. It depends on your situation. So first you want to make sure you know how much life insurance you need right now. And you want to think about how much life insurance you’ll need over the years.

Because those needs will change, it’s smart to buy your life insurance in modules. This way you can add and drop insurance as needed. This will save you a bundle and it’s a tactic most people overlook. As a result they pay way too much for life insurance. I used this tactic and it saved me over 65% on my life insurance costs. You can read more about that concept in my post about how much insurance you need.

Why Not All Cheap Term Life Insurance Is Cheap

There are some super inexpensive term insurance policies out there that are cheap for a good reason. They have so many exclusions that unless you die under a very restricted set of circumstances – they won’t pay off. And some companies give you a very low quote but end up charging you much higher rates after they do their underwriting. This can happen if you have a health condition or lifestyle that they don’t cater to.

The solution for either problem is to make sure you are working with someone who is trustworthy. There is no other alternative.



Declined for Term Life Insurance? We Can Help, declining term life insurance.

#Declining #term #life #insurance



Get Quote in Seconds:

Declining term life insuranceLife insurance companies take the underwriting process very seriously because they are taking on a lot of risk when they approval each and every application for coverage. Underwriters will order your medical records, review the results of your medical examination, and compare all of this information to the information provided on your application. During the assessment, the underwriter will determine whether or not you qualify for coverage and what health classification you should be given. If the applicant is in poor health, or they are considered too much of a risk to insure based on their lifestyle, there is a chance that they will be declined by the life insurance provider.

If you have been declined for coverage, it is important for you to know what steps to take after the declination. Just because one insurance company is not willing to extend you an offer for coverage does not mean that you should panic. You may still be insurable and the key to finding coverage is knowing what companies cater to riskier applicants. Read on and find out what you can do to uncover the reason you were declined, and what you can do to qualify for coverage from another life insurance provider.

Declined for Insurance When You Are in Good Health

Your health is not the only factor an insurance company will use to determine whether or not you are insurable. While pre-existing conditions can affect your ability to find coverage, there are other mitigating factors that can contribute to a declination. Insurance is all about risk and life insurance is all about calculating your mortality rate. If you are healthy but you participate in hazardous avocations, your mortality rate may be much too high for the insurer’s liking.

Some hazardous avocations that can easily get you declined for life insurance include: scuba diving, flying, rock climbing, skydiving, base jumping, and even dangerous occupations like mining. While not all companies will deny you for all of these activities, some will. If you are declined because you are too much of a thrill seeker, you may have the option to exclude the activity from the policy or you may have to pay a fixed rate with another provider. Exploring your options is key in this situation.

Declined for Insurance When You Have Medical Conditions

More often than not, an application for life insurance is declined because of the applicant’s health status at the time the application was submitted. This can either be due to the information that was discovered in the medical records, the information provided on the application, or because of the results that came back from the lab work taken during your physical exam.

If you know about the medical condition that led to your declination, you may have been expecting to receive the letter in the mail. This is why it is important to speak with an experienced life insurance broker so that you apply through a carrier who is open to accepting a client with your condition, as long as your condition is controlled.

If your labs came back and they were the cause for your denial, you may be shocked to hear that your labs came back abnormal. In this case, you will need to see your physician to discuss your labs. You may need to be retested to see if there was a mistake. If there was, you can have your labs sent to the company for review and show that you are in good health. If the labs were accurate and you are diagnosed with a medical condition, it is important to focus on controlling the condition before you apply for coverage. After all, insurance companies will approve applicants with medical problems as long as they comply with doctors’ orders and control the issue with treatment.

Steps to Take After Being Declined

You should take action when you are declined for life insurance. Here are some steps that you can take to get the approval you are looking for:

1. Uncover the Reason for Denial

All insurance companies are required to send you a letter explaining why you have been denied for coverage. Review the reason(s) first, and you can take the steps to get approved when you reapply with another company.

2. Check Your Records

You sign an authorization for the underwriter to pull your medical records. Order these records, ask for your test results, and take this to your doctor to ensure everything is accurate. If there is a mistake, it must be fixed. All insurance companies will be able to see the reason for denial in a central database and this could prevent you from getting approved in the future.

3. Work with a Broker

Once you uncover the reason and you fix errors, you should work with a broker to find coverage. Brokers know which companies are more likely to approve you based on your health and your lifestyle, and they can help guide you. Lifestyle choices will effect your insurability. From cigar smoking to sky diving and rock climbing there are companies who specializes in finding higher risk individuals the coverage they need at a price they can afford.

Make sure you do not panic when you are declined for life insurance coverage. Review quotes from various companies, find out the requirements of companies before you apply, and understand all of your options.

Declining term life insurance



Selling Your Life Insurance Policy, Coventry Direct, how to buy term life insurance.

#How #to #buy #term #life #insurance



When Selling Your Life Insurance Policy Makes Sense

If you re like many Americans, you may have purchased life insurance to protect your family or business and provide financial security when it was needed most. But as circumstances change, your insurance priorities may have changed with them, which is why selling your life insurance policy can make sense.

Here are a few important reasons why you may want to consider a life settlement:

  • Your life insurance policy is too expensive to maintain.

If your premium payments have continued to increase, your policy may no longer be affordable.

  • You have more life insurance than you currently need.

    As your circumstances and need for financial protection change, you may want to reduce the overall insurance you own.

  • You need help with increasing medical or long term care expenses.

    Selling your policy can help cover your immediate needs.

  • Increasing your retirement funds will increase your peace of mind.

    The proceeds from the sale of your policy can help boost your savings and supplement your retirement income.

  • You still want to keep a portion of your life insurance, but would like to eliminate the premiums.

    You can sell part of your policy, eliminate costly premium payments and maintain a portion of your coverage.

  • “The ability to sell their policies as a life settlement enabled policyowners to receive an amount more than four times greater than what they would have received had they surrendered their policies to their insurance companies.”

    London Business School Study, June 2013

    June had taken out a long term care policy years ago to help her family cover her medical expenses. She could no longer afford the premium payments on the policy. June did some research and learned she may be a candidate to sell her life insurance policy. June was able to sell her policy for $65,500 and use that money to continue paying premiums on her long term care policy.

    Does my policy qualify?

    If you are interested in selling your policy, please call us at 1.800.COVENTRY to complete the Life Settlement Qualifier. We are available to assist you.



    Term Life Insurance – Whole Life – Best Quotes and Rates, best rates term life insurance.

    #Best #rates #term #life #insurance



    Accuquote

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    How Much Do I Need?

    When it comes to life insurance, this is THE question. You absolutely have to get this right.

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    AccuQuote is committed to helping you find the best values in the life insurance marketplace and providing you with the best service in the industry.

    Want to speak to a live person? Call us today at 800-442-9899 or get started here to request your free life insurance quote.



    New York Life – Apply Now – Life Insurance up to $50, 000, no exam term life insurance.

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    For life’s simpler needs.

    Life insurance online in minutes.

    • Affordable term life insurance $10,000 to $50,000
    • No medical exam or lab work. just health and other information
    • It’s easy to apply by mail or complete your application online

    Start here with an

    instant term life quote.

    Thank you for your interest

    We’re Sorry

    An error has occurred, and we are unable to provide you with an online quote at this time.

    To get a quote by phone, please call New York Life at 1-800-361-1741.

    Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

    Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

    Whole Life Insurance is

    coverage you can keep for a

    lifetime to help you protect

    your long term needs.

    Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

    New York Life offers a range of coverage amounts and solutions including:
    • Coverage over $50,000
    • Retirement planning
    • Mortgage protection
    • Long term care insurance

    Monday – Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

    or click here for more information.

    Backed by the Strength of New York Life Insurance Company

    New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

    “Superior”

    “Exceptionally Strong”

    “Very Strong”

    from Standard Poor’s

    “Exceptional”

    Ratings as of 01/01/18

    A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

    Thank you for your request

    You can apply right now.

    Thank you for your request

    You can apply right now.

    Thank you for your interest

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    Includes details on costs, eligibility, renewability, limitations and exclusions.

    Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

    The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

    Maine Residents: A buyer’s guide and policy summary are available upon request.

    2018 New York Life Insurance Company. All rights reserved.



    No Physical Life Insurance, USA Coverage, no physical term life insurance.

    #No #physical #term #life #insurance



    No Physical Life Insurance

    START HERE

    In the past, life insurance companies would require a short physical exam before underwriting a policy. The physical exam would include drawing blood, collecting a urine sample, height, weight, blood pressure etc. These figures would then be analyzed and sent back to the life insurance company and they would give you a rate based on the results. If your results came back favorable then you would receive favorable premium rates. If your results came back less than favorable then the insurance carrier would rate you based on their risk table and it s likely your premium rates would be higher. At that point, you can either afford the policy or you can t afford the policy. If you can t afford the premiums then you lower the coverage or face amount to lower the premiums. If you absolutely have to have a certain coverage amount to cover a mortgage or college tuition then your stuck with a premium that is too high.

    One solution that has become more popular in recent years is a No Physical Life Insurance Plan or a Non-Medical Exam Life Insurance Policy . As stated, these life insurance plans are underwritten based on your answers to certain questions as opposed to blood and urine tests. These policies are becoming more popular due to the convenience and speed of policy issuance. Most people would prefer not to have someone come to their home and draw blood and collect urine if possible. There is also a lag time from when your application is completed and the life insurance carrier underwrites the policy. The lag time is due to the medical exam which has to be scheduled then the specimens need to go to a lab where results can be recorded and sent to the life insurance company. Sometimes this process can take 1-2 months before the life insurance company underwrites and sends you an accurate premium.

    With no physical life insurance, you make the purchase online or over the phone and the policy is in force almost immediately. There is no one coming to your home to collect blood and urine and there is you ll know your exact rate almost immediately.

    You can get a lot of coverage, up to $500,000 and often times the premiums are not much higher than a standard term life insurance policy. Getting an instant no physical life insurance policy makes a lot of sense for a lot of people. If your young and in good shape you may be looking at an additional dollar or so a month. Wouldn t you rather pay an additional $1 per month to get instant coverage and not have someone come to your home and poke you with a needle and ask for a urine sample? Of course each person s circumstances are different and in some instances this is not the best solution.



    Life Insurance Over 50 years old (fifty) – Best level term rates at age 50, term life insurance over 50.

    #Term #life #insurance #over #50



    Term Life Insurance Over 50

    Term life insurance over 50Years back if you were over 50 years of age, getting life insurance was difficult and expensive.

    This is no longer the case. There are a number of companies offering very affordable rates on term life insurance for men and women over fifty.

    Life insurance rates for people over 50 are set for every five-year span. Cheapest rates are offered to those who are between the ages of 50 and 55. The next rate levels cover those 55 to 60 and so on.

    Term life insurance for people over 50+ (fifty) rarely covers suicide in the first two years that the policy is owned. Some policies will not cover suicide ever. You cannot be denied a life insurance policy in most cases.

    While the rates may be higher if you have had cancer, heart disease or other concerning health issues, most states require insurance companies to offer everyone some form of coverage, so if you are looking for a life ins. policy, you should be able to get some kind of coverage.

    Get a customized life insurance quote here!

    You will find that typical premiums for people after 50 range from $20 a month for a $15,000 policy, to $70 for a $50,000 policy. See more price examples here.

    Term life insurance rates are generally cheaper than other permanent types like, universal and whole life.

    The last thing you will want to do is leave your spouse, significant other, or children with no money to pay for your funeral. This is why some sort of life insurance coverage is a must-have.

    AARP is perhaps the largest of these companies. AARP offers memberships for $16.00 per year. The membership is for both the person who is 50 and his or her spouse or partner.

    Membership with AARP offers many benefits including discounted policies for term life insurance for people over 50, automobile insurance, homeowner’s insurance, and even travel discounts. AARP also offers masses of information on common problems and situations that middle-aged people experience.

    CLICK HERE for Instant Term Life Insurance Quote

    Example Life Insurance Policies People Over 50

    Here are some examples of term life insurance policies for those 50 years old and over. These rate examples are just a guide and most likely are not the rates you’ll get. As you can see, they are very affordable. To get your own rates, please go here.

    Shown: Average monthly costs for a 10 year level term policy for a non smoker woman in good health.



    Short Term Car Lease California #eastwood #auto


    #short term auto lease
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    Short Term Car Lease California

    If you don’t have a car, but you think you may want one for a short amount of time, you should think about getting a short term car lease in California. Car leasing is a type of lending where you are allowed to use a car for a specified amount of time and pay for the time you have it.

    How Leasing Works

    When you lease a car from a dealership, you agree to pay a monthly fee for the amount of time you have the car, but it is not actually the dealership that you are paying. The dealer “places” or “assigns” the loan to a bank, lease company or finance company, which means that the financial institution pays the dealer for the whole lease at once, then receives the payment from the customer. There are two different ways that you can finance a lease. You can allow the dealer to find a finance source, usually the car maker’s own financial company, or find your own finance source through an independent lease company. It is often a better deal to use the independent lease company than the car maker’s financial company.

    California Leasing

    California is a particularly good place to lease a car. Since there are so many people in the state, there are many financial companies to choose from, which makes them compete with each other to make the best deals. You should have no problem finding a good deal on a short term car lease in Los Angeles or any other city in California.

    Related Questions and Answers

    No, there are no California car leasing deals that are specific to the state. Manufacturers will rarely write a leasing special that is specific to a state. In some cases, certain models are only available in certain states, but this is not a very common practice. California is an excellent place to lease a car. Its large population ensures there are plenty of banks and financing companies writing leases. if you have a particular car in mind, check the manufacturers website to see what their latest leasing specials are. These deals will typically last for one to three months. Check your local newspaper ads for leasing deals as well.



    Payday Loans up to $1, 000 Personal Loans up to $3, 000 #payday #loans, #cash #advance, #short #term #loans, #personal #loans, #emergency #loans, #installment #loans, #online #personal #loans,


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    Simple Online Form Fast Access to Funds

    1041 4th Avenue, Suite 302, Oakland, CA 94606
    USA Owned Operated

    Representative APR Range

    LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

    The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

    Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
    Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
    Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
    High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
    Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

    The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

    Implications of Late Payment

    You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

    Implications of Non-Payment

    The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

    Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

    Impact on Credit Score +

    Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

    Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

    Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
    Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

    Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
    Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

    Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.



    Long Term Care Insurance Information Compare Costs-America s long term care association, best term life policies.#Best #term #life #policies


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    Long Term Care Insurance – Long Term Care – Best Long Term Care Insurance Cost

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    Enter The Producer’s Resource Center

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    Resources – Best Costs

    Click For Current Cost Chart REAL EXAMPLES – REAL PEOPLE

    — SMART WAYS TO SAVE

    And / Or Get Better LTCi Benefits

    Click Here – To Read Now Read 6 Consumer Guides

    first published by AALTCI

    in Kiplinger’s magazine

    Click Here – Kiplinger’s Guides COMPARE LONG TERM CARE

    INSURERS & Discover How To

    Get The Best Coverage For

    The Best (Lowest) Cost

    Click Here – Great Comparison Info

    For Those Just Starting

    Shopping For Long Term Care Insurance; WATCH THIS FIRST (5 Minutes) What People Buy And Pay for Long Term Care Insurance The Most Vital Fact For Women Living Alone – A MUST WATCH

    Best term life policies Best term life policies

    Should You Buy Your Employer’s Plan

    Request free cost quote for long-term care insurance from #1 online consumer information center.

    IRS tax deduction and State rules.

    Find ratings before you buy.

    Best term life policies Best term life policies

    Best term life policies Best term life policies

    Long-Term Care Alerts

    Latest Nursing Home Data Shared With Long-Term Care Insurance Agents

    The latest data on nursing home residents in the U.S. was shared

    Helping Agents Generate Insurance Leads Will Be Focus Of New Entity

    New entity will help insurance agents and financial advisors generate leads.

    Long-Term Care Insurance Association Plans 1035 Exchange Effort

    AALTCI will undertake a campaign to create awareness of the ability to use 1035 exchanges to pay for long term care.

    39 Percent Increase In Consumer Requests For Long Term Care Insurance Information Costs

    Consumers requesting long term care insurance costs and information increased 39% for the first six months of 2017 compared to the same period in 2016 for the American Association for Long-Term Care Insurance.

    8.6 Million Now Eligible To Deduct Long-Term Care Insurance Premiums

    ax deductions for long term care insurance can be a significant benefit

    Best term life policies

    ONLINE INSTANT CHAT WITH THE LTC ANSWER GUY Jesse Slome Executive Director of the Association.

    Q. How do I get the best rates?

    Request costs from an Association member or click our Request A Quote box above.

    Q. What’s the best age to start?

    We believe between ages 52 and 64 for and we explain why.

    Q. Does insurance pay for home care?

    Most policies sold today do. 50% of LTC insurance claims started for home care.

    Q. Are costs tax deductible? They may be fully deductible. See 2012 rates in our Consumer Center.

    Q. Are insurer ratings important? Very important because you want a company there in the future. We list ratings in our Consumer Center.

    Long Term Care Insurance Information from America’s Long-Term Care Insurance Experts

    Find The Best Cost – Long Term Care Insurance Company Ratings

    Chances are you’ll live well into your 80s, your 90s and possibly even longer.

    When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.

    Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits are quite limited.

    That is why over 10 million Americans have purchased long-term care insurance. The American Association for Long-Term Care Insurance was established in 1998 to educate individuals and to support insurance and financial professionals who market this protection.

    Our Long-Term Care Insurance Consumer Information Center is the nation’s most comprehensive resource. Find the most current information including long term care insurance costs, ways to save, tax deductibility rules and long term insurance companies and their ratings.

    Request a free, no-obligation cost comparison from an Association member today.

    Costs for long term care insurance can vary significantly from one long term insurance company to another. In fact, our 2015 Long Term Care Insurance Price Index found that rates for virtually identical coverage could vary by over 110 percent.

    It pays to compare – the yearly savings can be substantial.

    Latest Association News

    Most Long Term Care Insurance Claims Begin and End At Home

    February 23rd, 2017

    Most newly opened long term care insurance claims begin at home according to the latest data

    Long Term Care Insurance Industry Paid $8.65 Billion in Claims

    February 10th, 2017

    An increase in long term care insurance claims paid was reported by the American Association for Long-Term Care Insurance

    Costs For New Long Term Care Insurance Policies Show Nominal Increase;

    February 3rd, 2017

    Costs for new long term care insurance policies show nominal increases compared to 2016 reports the American Association for Long-Term Care Insurance.

    Discount Offered To MDRT Applicants and Members

    November 17th, 2016

    A discount is offered to agents who join or renew their MDRT membership. Goal is to build long-term care insurance awareness.

    Membership Discount Code for November Announced

    November 1st, 2016

    AALTCI Membership reduced to $60 for sign-ups during November.

    Shopping For Long-Term Care Insurance?

    Watch This Brief Video

    Advice On Long-Term Insurance – Information You Need To Know

    The three questions we are asked most often are:

    How much does long term care insurance cost?

    Are there ways to save money?

    What is the best age to start planning?

    Let’s start with the last question first. Long term care insurers will only issue policies to those in relatively good health. Since you’ll probably never be healthier than you are today, this is the right time to start thinking about it. Most people start long term care planning between ages 52 and 64.

    Each year the Association surveys insurers to determine ages for those purchasing coverage. For individuals purchasing coverage in 2014, some 6.5% did so between ages 35 and 44. Some 25.0% between ages 45 and 54. Some 55.2% between ages 55 and 64. And, 7.8% were age 65 or older. Costs increase based on your age. But the ability to health-qualify is what matters most.

    In terms of what long term care insurance costs: what you’ll pay depends on your age and health when you apply and how much coverage you want. Costs also vary from one insurer to another – by as much as 40-to-110 percent per year. Each insurer has what we call a “sweet spot” and that’s one reason to compare costs before you buy.

    Discounts can make your long-term insurance far more affordable than you think. For example, discounts are offered when two spouses apply. Some insurers will offer discounts to partners living together or a partial discount when only one person is covered. Discounts can vary from one insurer to another. There are ways singles or those living alone can also reduce the cost.

    Finally a few tips — though you’ll find a wealth of information in our Consumer Information Center. Start comparing costs about 30-to-60 days before your birthday to lock in the lower rate. If you have a health condition or have been prescribed medications, let the insurance agent ‘shop your health’ before you apply. If you own a small business, read our page on tax deductions for long-term care insurance.

    The American Association for Long-Term Care Insurance does not market or sell insurance but our members do.

    It always pays to speak with a professional because:

    Costs for long-term care insurance can vary among insurers,

    Discounts can vary from one insurer to another,

    Acceptable health conditions can vary,

    Long term care insurance company ratings are important in your decision,

    Covered care and policy benefits can vary.

    Fill out the Association’s free quote request. We’ll connect you with a professional who’ll provide advice on planning and costs for insurance protection-without any obligation.

    Disclosure: It is our desire to deliver the most current, fair and balanced information that assists individuals seeking information on long-term care insurance planning. Information is not intended to provide tax advice and due to the size of our website we recognize some older information still exists. The American Association for Long-Term Care Insurance derives income from membership dues from insurance professionals who want access to our research and support material and may also receive remuneration from our affiliated partners through the placement of long-term care insurance.



    Term Life Insurance Quotes #term #life #insurance,life #insurance #quotes,term #life #insurance #quotes,life #insurance #rates,instant,life #insurance #online


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    Life Insurance Quote in Seconds

    Don’t worry we are not just another lead generation website that will sell your information, we are a team of highly qualified insurance agents and will only use your information for the purpose of helping you find the best life insurance policy. Real time life insurance rates will be displayed to you online, so GET STARTED now!

    We provide consumers with objective unibiased term insurance advice and the best service available. Our philosophy is our mantra. These principles have helped us become a credited provider of life insurance quotes across the country. Since we first came online in 1996 we have helped thousands of Americans shop,compare, and purchase insurance for the comfort of their home

    Term life insurance is a simple, affordable, and easy way to ensure your beneficiaries financial security in the event ofyour passing The term of the policy can vary from one to thirty years of coverage. The face amounts stay level throughout the term and generally begin at $25,000 and increase to meet your specific needs.

    Instant Life Insurance Quotes Make a Difference

    Life insurance is something that will benefit all adults, and should be considered as an investment option for your family’s future. Many people believe they cannot afford life insurance, or that they do not currently need life insurance. Without fully understanding how this type of insurance policy can benefit the individual and the person’s family as well, it may be a challenge to determine why it is so important. There are numerous types of life insurance contracts available.

    Term life insurance is often considered the most popular form of insurance for people who want to put a prepared financial plan into place to shelter their family members in case something unexpected happens to the policy holder. Quick and easy life insurance quotes are available with just the click of a button and by entering in some accurate, basic information into an online form. Within minutes or less, an instant quote will be given for life insurance. For people who have thought that perhaps life insurance was an expense that was out of their reach, taking advantage of online instant life insurance quotes can help a person to quickly determine whether or not this is something that is within their budget limits.

    Instant life insurance quotes can not only be obtained for a single person, but also for the entire family if the individual is married and has children. In many situations, if the main breadwinner passes away the family is at an immediate loss of all or half of the income that the depend on to live. This absence of income can put many families into financial jeopardy and this makes it very difficult to stay current on mortgage payments or rent, taxes, utility bills, car payments, and medical insurance payments.

    Finding out how much life insurance will cost your family by getting a fast and easy online quote is a great way to begin creating a plan to fit the cost of insurance into your monthly budget. This will help to protect your family financially in the event that an accident, illness, or another event leads to an unexpected death. No one likes to think about the fact that they may need to use their life insurance policy. However, if a person does have a life insurance policy, the family and beneficiaries will be cared for financially. This often makes a big difference in how well a family is able to survive and prosper in the long term.

    You are able to view quotes for the following: term life insurance, burial insurance. universal life, as well as more specialized products like high risk life insurance online by filling out the simple form to the right. Upon getting a quote, a person can then consult with an agent to determine what type of insurance policy will best fit into the person’s budget and which type of policy will provide the most amount of coverage for the individual’s specific situation. Some people are only interested in purchasing a burial policy that will give them funeral expenses covered, and others are interested in purchasing a policy that will provide a lump sum payout to an authorized beneficiary.

    In the long run, it is rarely too late to begin investigating life insurance options. Many people believe that because they have reached a certain age or because they have a specific health problem, they will not qualify for life insurance. Because there are so many different types of life insurance policies and contracts available, there is a policy to work for just about every person, no matter the person’s health status, financial status. Life Insurance at any age is available.

    Types of Life Insurance



    SSDI – Long Term Disability #long #term #disability #insurance #lawyer


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    SSDI AND LONG-TERM DISABILITY

    Life can get pretty complicated for the disabled. Especially if you are also receiving benefits from under a group long-term disability plan. Most group long term disability policies require that you pursue social security disability benefits. Moreover, these policies require that you reimburse the insurance company from the back benefits of any social security disability award. In our experience most of our social security disability clients appreciate their long-term disability insurance company and the benefits they are providing, and are happy to pay the insurance company back if they get social security disability; but many find their LTD carrier is just a little too aggressive in assisting them. Once you have filed your claim for social security disability, your long term disability insurance company will probably tell you that if you hire their representative – usually office in another part of the country “to help you get social security disability there will be no charge.

    Free is good; why would you not use the insurance company’s lawyer in your social security disability case? Because, your insurance company has told you a half truth. Due to the fact that you must reimburse your insurance company from social security disability back payments, by choosing their lawyer you save NO MONEY yourself; But you do save the insurance company money! Let’s explain.

    In order to understand what is really going on, you need to understand the basics of your group disability policy. You should request a copy of this policy if you do not have it. There are, however, several features that are uniformly a part of the group disability plans:

    The Offset for Social Security Disability Benefits

    Perhaps this is one of those terms you have heard but are not quite sure about. Absence unusual circumstances, your group disability benefits will be reduced by the amount of social security disability that you receive. So for example, if you are eligible for a LTD policy benefit of $1000 per month, but also receive $600 in social security disability benefits (not adjusted for COLA) per month, your LTD will only pay you $400. This is simply enough, and works easily enough if you get your social security disability about the same time as you start receiving your LTD benefit. But the massive delays in securing a favorable social security disability award have created complications. If you are like most Americans it may take two years to finally win your social security disability benefits. In our above example, the insurance company would have to pay you the full $1000 a month, since you were not yet getting your social security disability. As you might imagine, insurance companies did not like holding the bag as they waited for the government to pay a legitimate social security disability claim. To deal with this problem, LTD group disability policies started offering a pay me now, or pay me later option: (i) reduce LTD benefits in the amount of the estimated social security disability benefit (i.e. the social security benefit the government should; be paying) or (ii) require their insured to pay the insurance company back when they finally get their social security disability. As you might imagine, most disabled choose the pay later (after all, monthly income is down considerably. To document this obligation, the insurance company typically requires the signing of a Reimbursement Agreement.

    The Reimbursement Obligation

    For many on LTD benefit, the reimbursement obligation means one thing: all the money in social security disability back benefits goes to the insurance company. THIS IS NOT TRUE. In Most cases, your long-term disability carrier has no right that that part of your social security disability benefit that represents the Cost of Living Adjustment. Over time, this COLA is very significant.

    You can take control of this important decision.

    THE LAWYER WHO REPRESENTS YOU IN YOUR SOCIAL SECURITY DISABILITY CASE IS YOUR CHOICE. DON’T LEAVE IT UP TO YOUR LONG TERM DISABILITY INSURANCE COMPANY.



    Term Life Insurance for Canadians #cover #me, #coverme, #manulife, #life #insurance #plan, #canadian #term #life #insurance, #insurance #quotes, #whole #life #insurance, #life #insurance #benefits, #apply #online, #request #a #brochure, #get #a #quote, #claims, #manufacturers #life #insurance #company


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    CoverMe Term Life Insurance

    The affordable way to ensure your loved ones are protected

    If you are between the ages of 18 and 55, CoverMe Term Life insurance lets you get up to $250,000 in instant coverage – with no medical exam – just by completing a simple health questionnaire online. Even if you already have some life insurance elsewhere, the low cost of CoverMe Term Life makes it easy to ‘top up’ your existing coverage. Get your quote now by visiting our new Instant Quote website. Get your quote now by visiting our new Instant Quote website.

    For those between the ages of 18 and 70, we offer CoverMe Term Life insurance coverage in amounts from $100,000 up to $1,000,000. You can choose the amount of coverage that best suits your family and budget, so you won’t end up paying for something you don’t want or need. The CoverMe Term Life insurance plan gives you a simple, economical way to secure your family’s financial security.

    CoverMe Term Life premiums are based on your age, so the younger you are when you apply, the lower your rates will be. Apply now – before your next birthday – and you’ll pay a lower premium. The premium you pay when you apply is guaranteed not to increase for 10 years.

    Simple, affordable protection
    Dollar for dollar, term life insurance offers you one of the most economical ways to get the maximum amount of protection.

    Insurance that covers you – and your spouse
    Choose the amount of coverage that suits your lifestyle and budget – from $100,000 up to $1,000,000. Your spouse should consider applying for coverage as well. Use our calculator to estimate how much life insurance you both may need.

    Applying is fast and easy
    Apply online in the comfort of your home whenever it’s convenient for you. If you’re between the ages of 18-55 and want $250,000 or less in coverage, no medical exam is required upon application. All you have to do is complete a health questionnaire and you can receive instant coverage. 1 Learn more

    Premiums are guaranteed for 10 years
    Premiums are set and guaranteed for 10 years when your policy is initially issued. Renewal premiums are not guaranteed, which means that they will increase at each 10-year renewal (as you get older), but once your renewal premiums are set, they will remain the same for the next 10-year term. 2

    Coverage is renewable up to age 85 – guaranteed
    Your coverage is guaranteed renewable up to age 85 – regardless of any changes in your health. Your coverage will not be cancelled as long as your premiums are paid.

    No medical underwriting upon renewal
    When your coverage renews in 10 years, it will be at your new age-based rate – without any medical exams or questionnaires required at the time of renewal.

    Conversion to a Permanent Life insurance policy
    If you wish, you can convert your CoverMe Term Life insurance policy at any time before your 70th birthday without providing medical information or undergoing a medical examination at the time of conversion. You are limited only by the Manulife conversion products available and their restrictions regarding coverage amount and minimum premium. For more information about conversion options contact us.

    Lump-sum benefit
    In the event of your death, your beneficiaries will receive a tax-free benefit. They can use the lump-sum payment towards the mortgage, outstanding debts and loans, living expenses, education expenses. the choice is theirs.

    Living Benefit included – at no additional cost
    Should you be diagnosed with a terminal illness with less than 12 months to live, you may be eligible for a compassionate one-time cash advance of up to 50% of your term life insurance coverage (to a maximum of $100,000). This cash advance is tax-free and yours to use however you wish. 3

    You own your coverage
    Unlike group coverage that can change or end as you move from one employer to another or retire, you will “own” your CoverMe Term Life insurance coverage up until age 85.

    Earn AIR MILES � reward miles
    When you pay your premiums monthly, you have the opportunity to collect AIR MILES � reward miles every year as a CoverMe Term Life policyholder.

    30-Day Money-Back Guarantee
    If you are not completely satisfied with your CoverMe Term Life insurance policy, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled and your entire premium will be promptly refunded.

    1 To be eligible for instant coverage, you must meet the approval guidelines of our health questionnaire.
    2 Renewal premiums are not guaranteed. However, at each 10-year policy anniversary, when you renew at the then applicable premiums, your premiums will remain the same for the next 10-year term.
    3 To be eligible for the CoverMe Term Life Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

    Apply Before Your Birthday

    Your premiums are based on your gender, smoking status and your age at the time of application. Apply now. before your next birthday, and you will save money by locking in at a lower premium for the next 10 years.

    Satisfaction guaranteed – or your money back!

    Once you receive your CoverMe Term Life insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked.

    CoverMe Term Life Important Notice

    This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review them carefully upon receipt.



    Zander Insurance Group, Official Site, group term insurance.#Group #term #insurance


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    group term insurance

    Group term insurance

    Great Price. Great Service. Call Toll Free: 800.356.4282

    “Four generations and 80 years experience, unparalleled commitment to service, the best products on the market, and a principled commitment to debt free strategies, are just a few reasons I trust, use and strongly recommend Zander Insurance.”

    Group term insurance

    Zander Insurance Group , Dave Ramsey’s choice for term life, disability insurance, and Identity Theft Protection, has been serving its customers for over 80 years. As one of this country’s largest independent insurance brokerages, we are here to provide you convenient and informative access to the insurance programs you need. Don’t hesitate to call us. we look forward to being of service to you.

    Group term insurance

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    6213 Charlotte Pike, Nashville TN 37209 | P: 800-356-4282 | F: 615-352-2850

    Group term insurance



    Get online payday loan #payday #cash #advance, #online, #payday #advance, #payday #cash #loan, #payday #loans, #cash #advance, #paycheque #loans, #short #term, #quick #cash, #canada


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    Mr. Payday Easy Loans Inc.

    When you are in need of quick cash
    Mr. Payday has got you covered.

    Why get a payday loan from Mr. Payday?

    • You get your payday loan in 30 minutes deposited right into your bank account
    • The lowest rates in the payday loan industry
    • No hassle, fast and easy payday loan service
    • 99% Approval Rate
    • High security standards and procedures to safeguard against unauthorized access to your personal information
    • Mr. Payday is a licensed payday loan lender
    • Applying is simple, approval is quick!

    Mr. Payday provides fast and easy PAYDAY LOANS and CASH ADVANCES anywhere in Canada.

    Regardless of how you manage your money there are always times when you might need a little help. Life is complicated, and from time to time unexpected expenses can crop up. Mr. Payday has the solution. His ONLINE PAYDAY LOAN will fill that financial gap until your next scheduled paycheque.

    The best thing about Mr. Payday s ONLINE PAYDAY LOAN is that almost everybody qualifies! It doesn t matter who you are or why you need cash. The requirements are minimal and easy to meet.

    The ONLINE PAYDAY LOAN is confidential. The advance agreement is between you and Mr. Payday and no one else is notified.

    Simply put, you click apply online, fill out our ONLINE PAYDAY LOAN APPLICATION and 30 minutes later you could have the cash deposited right into your bank account.

    MrPayday is rated 8.6 stars out of 10 by TrustPilot based on 10 reviews

    [Residents of Ontario: The maximum allowable cost of borrowing under payday loan agreements is $18.00 per each $100.00 advanced. We charge $18.00 per $100.00 per each $100.00 lent. On a $300.00 loan for 14 days, the cost of borrowing is $54.00, with a total payback amount of $354.00. Licence Number: 4716300] [Residents of Alberta: Maximum charges permitted in Alberta for a payday loan: $15.00 per $100.00 lent.We charge: $15.00 per $100.00 lent. For a $300.00 loan for 14 days: Total cost of borrowing = $45.00 Annual Percentage Rate = 391.07% Payday Loans Business Licence number: 326997] [Residents of British Columbia: Maximum charges permitted in BC for a payday loan: $17.00 of the principal. We charge: $17.00 of the principal. For a $300.00 loan for 14 days: Total cost of borrowing = $51.00.Total to be repaid = $351.00. Annual Percentage Rate = 433.21% Licence Number: 50031]



    Cash Flow Finance And Short Term Business Loan- ABR Finance #business #short #term #loans


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    ABR Finance Pty Ltd is a private finance company specialising in loans for small business sector.

    We offer a range of flexible loan products specifically developed to assist businesses with working capital requirements and temporary cash flow problems. Our facilities range from as low as $10,000 and up to $100,000.

    Generally, any small business that sells goods or services on credit terms or has ongoing contractual arrangements with its customers would be a good candidate for our facilities.

    We are able to assist businesses that may not fit into a traditional invoice financing structure as their business model is based on a periodic fee arrangement with its customers (e.g. property management agents, child care service providers and fitness centre operators).

    We can also advance funds against consumer invoices. This is specifically relevant for small contractors and any businesses operating in a professional services sector, such as real estate, accounting and legal service providers.

    Our target market would often have difficulties obtaining traditional banking finance due to the following:

    not being able to provide 3 years of financial data
    not being able to provide profitable trading figures
    not being able to provide any real estate as security
    having a blemish on their credit record
    being in arrears with their ATO payments

    None of the above is an issue for us. Our aim is to assist businesses with their temporary cash flow requirements to ensure their long-term success.

    Short Term Business Loans

    Many small businesses in Australia are currently experiencing cash flow problems and, as a result, are unable to meet their ongoing expenses and obligations, such as payments to their suppliers and ATO obligations. A short term business loan from ABR Finance will provide your small business with immediate funds to fix periodic cash flow problems, without the need for you to provide your house as a security. You can be approved and have cash in your account within 48 hours. If you would like further information on short term business loans, please contact ABR Finance on 1300 400 770 .

    Cash Flow Loans

    Lack of cash-flow is a number one cause of failure of small businesses in Australia. This is because many small businesses are operated by sole traders, small partnerships or by family owned companies with very few or no assets that can be used to obtain a business line of credit or an overdraft from a bank.

    Operating without a line of credit or a bank overdraft means that you are extremely susceptible to cash flow fluctuations (whether these fluctuations are temporary or seasonal). This would be an equivalent to always running your car on empty or very close to empty – not knowing whether you will get to your destination without running out of petrol.

    For small businesses running out of cash means insolvency, and ultimately failure, as they are not able to meet their payment obligations as they become due. This is a problem not only of the small business owners but also for the economy at large, as most businesses in Australia are small businesses run by sole traders, partnerships or families.

    With a cash-flow finance facility from ABR Finance your small businesses will be able to access the extra cash needed to smooth your cash-flow bumps. You will be able to pay your suppliers on time and meet all your day-to-day obligations as and when they arise.

    There is no need for any real estate security and our approval process is fast and simple. In most cases, we will provide you with our answer within 24 to 48 hours. And if you have a blemish on your credit record or are falling behind in your ATO obligations, it is not a problem. We will do our best to say “Yes”.

    Do not delay – contact ABR Finance on 1300 400 770 or enquire on our website if your business needs cash flow finance.



    Rockport Texas Vacation Rentals #short #term #rental #software


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    Guest Reviews

    “Hey we just wanted to say thank you for helping to make our vacation great. Our home was better than expected and the staff at Coastal. ”
    —Brandon Rivers

    “The condo was fantastic, in fact we will be requesting that exact one every time we come down to Rockport for any vacation that we migh. ”
    —Matthew Schelper, Victoria, TX

    “The house was very comfortable, nicely decorated, clean and relaxing. The kitchen was stocked with all we needed to cook and the bedro. ”
    —Anonymous, Spring Branch, TX

    Coastal Bend Property Management

    The Best in Rockport TX Vacation Properties

    Here at Coastal Bend Property Management we understand what makes a vacation home right for you. We offer water front, canal front and off-water vacation rentals; from homes to condos, from luxurious to quaint. All our properties are fully furnished and fully equipped with everything you need to enjoy a special vacation in the beautiful Coastal Bend.

    We make it our business to find a vacation rental that meets all of your needs and goes above and beyond your expectations. By providing the finest in vacation rentals we can ensure that your vacation is a success no matter where you decide to stay.

    Rockport-Fulton and the Coastal Bend offer beautiful scenery, exciting fishing, wonderful bird and wildlife viewing opportunities, and much more. Art galleries, fine dining and fun shopping opportunities abound.

    Explore all Rockport-Fulton has to offer here .

    If you have a vacation home or investment property that you’re considering offering as a vacation or long-term rental, we will be happy to help you. We know what it takes to run a successful vacation and property management company. Providing quality homes, cleaned by quality employees, and providing quality customer and concierge service is what sets us apart from the rest.

    Whether you are renting with us or putting your rental in our hands as an owner, you can be sure that you are working with the best, Coastal Bend Property Management .

    2017 | Coastal Bend Property Management – All rights reserved.
    Powered by: LiveRez.com Vacation Rental Software

    Coastal Bend Property Management
    621 S. Fulton Beach Rd. Suite 130
    Rockport, Texas 78382



    Long-Term Substance Abuse Treatment Program #long #term #drug #treatment #programs


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    Long-Term Addiction Rehab Recovery Program at Duffy s in Northern California

    At Duffy’s Napa Valley Rehab in Northern California, our goal is to deliver focused treatment services that provide men and women with the care that puts them in the best position to achieve and maintain long-term recovery. Depending upon a guest’s specific strengths, needs, and treatment goals, customizable aspects of our programming may include the type, intensity, and duration of care.

    For individuals whose needs may be best met by a treatment experience that extends beyond the more traditional four weeks of treatment, we are proud to offer the Long-Term Addiction Rehab Recovery Program. Several studies have established a correlation between longer lengths of stay in treatment and improved rates of sobriety, and this option is specifically designed to capitalize on the many benefits of longer treatment.

    At Duffy’s, guests may transition into the Extended Relapse Prevention Program following the completion of their 30 th day in our care. As is the case with all programming at our center, the specific amount of time that a person will remain in treatment will be determined by his or her progress toward his or her treatment goals, but generally individuals who participate in this program will remain in treatment for 60 to 90 days.

    The Long-Term Addiction Rehab Recovery Program continues the Duffy’s tradition of providing a highly personalized experience to each guest, and incorporates the unparalleled level of professional services that has enabled Duffy’s to maintain a national reputation for excellence for more than 40 years. A guest’s schedule while in the Extensive Relapse Prevention Program will balance learning sessions, discussions, and counseling with time that is dedicated to relaxation, exercise, and the forming of productive new friendships. Depending upon an individual’s specific needs and goals, his or her time in this extended program may feature the following elements:

    Medication management. Though this is not a dual-diagnosis program, we are able to provide addiction treatment services to men and women who have a primary diagnosis of a substance use disorder and who are also experiencing certain co-occurring mental health disorders, as long as these individuals are stable when taking medication as directed by their prescribing professional. Our staff may assist guests who need medication management services by securing and providing access to medications, monitoring the self-administration of these medications, and facilitating appointments with a psychiatrist on an as-needed basis.

    Individual therapy. All guests at Duffy’s are assigned a primary care counselor for the duration of their time in our care. Among the services provided by the primary counselor are twice-weekly individual therapy sessions. These one-on-one meetings are excellent opportunities for guests to process their emotions and experiences and to receive guidance and support from an experienced professional.

    Group therapy. Group therapy is an excellent opportunity for individuals in our Long-Term Addiction Rehab Recovery Program to share insights, learn from the experiences of others, and develop and hone the healthy interpersonal communication skills that can be essential to the successful pursuit of long-term recovery. Multiple group therapy sessions are conducted during each treatment day. While the specific content of any group will be influenced by the contributions of those who are participating, the following are among the general topics that may be addressed via group therapy during a guest’s time in the Long-Term Addiction Rehab Recovery Program:

    • Acceptance
    • Self-awareness
    • Mindfulness
    • Responsibility
    • Relapse prevention
    • Powerlessness and unmanageability

    Family therapy. At Duffy’s, we are well aware of the impact that an individual’s struggles with addiction can have on friends, family members, and others who care about or depend upon him or her. To help loved ones address the way that they have been affected, and to prepare them to provide the most effective ongoing support to the individual in treatment, we provide weekly family therapy sessions as well as weekend educational groups for family members.

    Experiential therapy. The various types of experiential therapies that are included in the Long-Term Addiction Rehab Recovery Program at Duffy’s provide innovative and active opportunities for our guests to express themselves, connect with their emotions, and address issues from an alternative perspective than what is accomplished during traditional therapy groups. The following are among the experiential therapies that may be scheduled during a guest’s time in our Long-Term Addiction Rehab Recovery Program:

    • Art therapy
    • Meditation
    • Trust the Process
    • Crossing the Line
    • Music and recovery
    • Trust-building exercises, including surrender falls
    • Emotional Freedom Technique (EFT)

    Continuing care. In order to ensure that our guests have the ongoing support that can make the difference between success and relapse, Duffy’s is proud to provide the services of the Full Circle Recovery program to all who complete the program. Features of the Full Circle continuing care program include three months of post-discharge support, connection with a 12-Step support group, 12 one-on-one sessions with a counselor, random urinalysis, and referrals to sober living environments or other resources as necessary. The continuing care support of Full Circle Recovery program can, of course, be customized in order to best meet the needs of each guest.

    To learn more about the Long-Term Addiction Rehab Recovery Program, or for answers to any questions that you may have about any aspect of treatment at Duffy’s Napa Valley Rehab in Northern California, please feel free to contact us at your convenience. We look forward to helping you make the most informed decision for yourself or on behalf of a loved one.

    get confidential help now: (707) 709-8099 Email Us



    Life Insurance #whole #life #term #insurance


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    Life Insurance

    Life insurance is a means by which we protect the people we love. More specifically, by depositing premiums into a pool of funds, your beneficiaries receive a tax-free cash benefit upon your passing. You can use this benefit to cover funeral costs, lifestyle-maintenance, debt repayment, or any other costs that may arise. Life insurance can be separated into two broad categories: Term insurance and permanent insurance.

    Term Insurance

    As the name suggestions, term insurance is used to insure oneself over a fixed amount of time. Term insurance is useful in a number of situations including:

    • Mortgage Insurance: To pay off your mortgage balance if death occurs.
    • Family Income Protection: Replacement of income earned by the deceased parent.
    • Small business owners: Insure an employee or pay off creditors, key person insurance, partnership insurance.

    Some of the benefits of term insurance:

    Renewable. There are many options available including renewable coverage meaning that you can renew the term with no additional health assessments.

    Guarantee. For the duration of the term, your sum insured and premiums will not fluctuate.

    Cost. Term insurance is the least expensive form of insurance available.

    Convertible. Many term contracts can be converted into permanent insurance.

    Flexibility. You can choose the length of your term. Common terms include 10 or 20 years.

    Permanent Insurance

    In contrast to term insurance, permanent insurance is meant to insure an individual for as long as they live. Permanent insurance can be divided into two subsections: Whole Life Insurance and Universal Life Insurance.

    Whole Life Insurance

    Whole life insurance insures an individual for their entire life and also offers a guaranteed cash surrender value including dividends in some cases (an amount that is paid out in cash should the individual decide to cancel their policy before expiration).

    Key features and advantages:

    • Premiums, face value, and surrender values are all guaranteed under whole life. Your cash value and death benefit can never decrease in value unless you start withdrawing the cash value from the policy.
    • Limited Pay Options – You can choose the duration of your premiums (10, 15, 20, or 30 years, up to 65 or 100 years of age) based on your evolving priorities.
    • You have the ability to insure multiple individuals under the same contract.

    Universal Life Insurance

    With universal life insurance, an individual can pay premiums above the original cost of insurance. The extra premiums are invested into funds of your choice with the assistance of an advisor. In essence, you have a product that consists of both insurance and investments.

    Key features and advantages:

    • A hybrid of a permanent insurance policy and a tax-sheltered savings account.
    • You can make partial withdrawals as needed.
    • You have the ability to insure multiple individuals under the same contract.
    • You can temporarily halt premium payments if you are unable to make them.
    • Very flexible in terms of amount of insurance, cost, frequency of payments, etc.

    Universal life insurance is useful for a number of instances including:

    • Individuals/families wishing to accumulate additional savings (i.e. for retirement).
    • High-income individuals who would like extra tax-sheltered savings or would like to leave a investment to a beneficiary tax free.
    • Business people wishing to insure specific employees or wishing to finance a shareholders’ agreement.

    Term 100

    Term 100 provides coverage for life. This term policy will cover the life insured for life, even beyond age 100. This product may have cash values. Premiums are required on a monthly basis up to age 100. When the life insured reaches 100 years of age, this policy matures which means that future premiums are not required to keep the policy in force. Should you stop premium payment prior to age 100, the coverage will cease, and you will no longer be covered.

    • Term 100 pay adjustable – means that premium can fluctuate
    • Term 100 gtd life pay – means that premium stay constant throughout the life of the policy
    • Term 100 with Values – means that there are guaranteed cash values on the policy after a certain number of years.

    Additional Policy Options

    It is often beneficial to combine two different policies. For instance, you may need coverage for your entire life and additional coverage only for your mortgage. In this case, you may choose to put a term rider on the whole life policy. You benefit by only having one policy to pay for, resulting in overall savings.

    There are a handful of companies that still offer participating life insurance policies. These policies combine guaranteed life insurance coverage and strong guaranteed cash values. The added bonus is the potential to receive dividends every year.

    Riders with selected insurance companies include:

    • Critical Illness Insurance
    • Disability Insurance
    • Disability Waiver of Premium
    • Accidental Death and Dismemberment
    • Guaranteed Insurability
    • Child Life Rider
    • Child’s Critical Illness Rider
    • Hospital Coverage
    • Accidental Fracture


    Council bans brainstorming and replaces the term with thought showers #online #term #life


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    Council bans ‘brainstorming’ and replaces the term with ‘thought showers’. for fear of offending epileptics

    Brainstorming has undoubtedly generated some bolts of brilliance and flashes of inspiration over the years.

    But in genteel Tunbridge Wells, the council decided it might lead to the traditionally Disgusted residents of the town becoming Offended as well.

    So now the expression brainstorming has been banned. And in future, meetings to generate new ideas will be referred to as ‘thought showers’.

    Tunbridge Wells Council has replaced ‘brainstorming’ sessions with ‘thought showers’

    Brainstorming, first coined in the 1890s, was used by psychiatrists to refer to severe nervous attacks. And although since the 1940s it has meant a meeting to produce new ideas, councillors are concerned it may prove offensive to epileptics.

    The National Society for Epilepsy said this was unlikely. It surveyed members three years ago to ask whether they found the phrase offensive.

    Spokesman Amanda Cleaver said: ‘The answer was a resounding No. It certainly wasn’t deemed offensive at all. People thought it was a great word to describe the coming together and discussion of ideas.’

    But diversity officers at Tunbridge Wells borough council are standing firm. Personnel chief Val Green said: ‘We take equality and diversity issues very seriously. It is important to us not to offend people and we are sorry if through trying to avoid this, we have indeed caused offence to the very people we were trying not to offend.

    ‘If the epilepsy association finds the term perfectly acceptable, then we welcome this clarification. If however, the term does in fact offend even a small minority, we would encourage people to get in touch with us.’

    Thought shower has already replaced brainstorming elsewhere – including at Redbridge Education Business Partnership in East London, the Deanes School in Essex, and the Church of England’s Diocese of Southwark.

    But critics remained unenthusiastic. Richard Colwill, of the mental health charity Sane, said. ‘Using brainstorming in the context of a council meeting I wouldn’t imagine would cause offence.’

    Of the thought shower, he added: ‘I don’t think it will catch on.’



    Long Term Care Insurance – LTC Insurance #term #life #insurance #pricing


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    Long Term Care Insurance

    When Linda’s mother, Mary, was diagnosed with Alzheimer’s disease last year, Linda was faced with caring for her mother and her family under one roof. Without long term care insurance, Linda and her husband had to pull from their savings and take time from work to care for Linda’s mother. Since the transition, Linda is looking to protect her family from her own potential long term care needs. *

    Get the facts about planning for long term care

    Planning for long term care is a personal decision, but if you need help, call 1-866-469-7902 or speak to a licensed insurance agent/producer .

    Robert had always been serious about his financial future. He and his wife, Joan, knew their savings and investments over the years were enough to provide a comfortable retirement. But as that time came closer, Robert realized that their nest egg could be jeopardized if one of them needed long term care. They began looking for an affordable way they could protect everything they’d set aside. *

    Make a long term care plan now

    Susan and David’s Story

    For Susan and David, the decision to buy long term care insurance was easy – but deciding on a provider took careful thinking. They wanted their coverage to be affordable. But more than that, they wanted assurance that the company they chose was experienced, offered coverage to meet their needs, and would be there for them.*

    See how Genworth can help

    Our financial products are offered/underwritten by one or more of the following:
    Genworth Life and Annuity Insurance Company; Genworth Life Insurance Company; Genworth Life Insurance Company of New York (only Genworth Life Insurance Company of New York is admitted in and conducts business in New York); Genworth Mortgage Insurance Corporation; Genworth Financial Mortgage Insurance Pty Limited; Genworth Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation of NC; Genworth Financial Assurance Corporation.



    Long Term Care Insurance Brokers, LTCI Columbus Ohio, LTCI Brokers Columbus OH, Long Term Care Insurance Brokerage, LTCI Specialist, LTCI Quote, Multilife LTCI, Group LTCI, Long-Term Care Professional Certified Trainer LTCI Training, Columbus, Ohio #ltci, #long #term #care #insurance, #group #long #term #care #insurance, #individual #long #term #care #insurance, #long #term #care #insurance #brokers, #ltci #brokerage, #long #term #insurance #continuing #education, #long #term #care #insurance #ce, #ltci #continuing #education, #ltc, #traditional #ltci, #combo #ltci, #key #person #ltci, #coli, #boli, #ltci #trust, #ltci #in #qualified #plans, #ltci #viatical #settlements, #ltci #ce #certification


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    Long Term Care, Critical Care, Life, & Annuity Solutions for Brokers, GA’s & BGA’s

    Long Term Care Insurance

    • Co-Founders of America’s Long Term Care Insurance Experts
    • IA Sits on the American Society of Actuaries LTC Think Tank
    • Developed methods, systems, and sales tools to aid in your success
    • New Veteran agents find success working with us Click to learn more

    Life & Annuity Sales

    • Sell more in less time with less hassle
    • Impaired Risk, Simplified Issue, Guaranteed Issue
    • Competitive contracts and great companies help brokers Place Difficult cases

    Insurance Advisors Co-Founder of

    Employer Sponsored LTCI (Multi-life)

    Individual Long Term Care Insurance

    Search Index Page Description:

    Insurance Advisors, leaders in LTCI. is a long-term care insurance broker based in Columbus, Ohio. We specialize in Individual LTCI. multi-life long term care insurance. group LTCI. Traditional LTCI and Combo LTCI. and key person long-term care insurance. Our LTCI brokerage has helped find long term care insurance solutions since 1994. Contact us for a free quote or more information. LTCI brokers Columbus Ohio, Bexley, worthington, Lewis Center, Powell, Gahanna, Bexley, Dublin, German Village, Grandview Heights, Granville, Grove City, Groveport, Hilliard, New Albany, Pickerington, Powell, Reynoldsburg, Upper Arlington, Whitehall



    Life Insurance – Top Ten Questions: Term Life Insurance #level #term #insurance #rates


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    Life Insurance – Top Ten Questions

    Term Life Insurance

    For additional information, please also visit our Life Insurance Resource Center. Additional Frequently Asked Questions are available by selecting this link .

    Term life insurance provides death benefit protection for a period of one or more years. The death benefit of the policy is paid only if the insured dies during that period. If the insured lives beyond the term period, no death benefit is paid. Typically, there are no cash values or loan values for term life insurance.

    1. When should I consider buying a term life policy?

    Term insurance is generally used when the need for death benefit protection is temporary or if you are unable to afford the premiums of a permanent life insurance policy. Term insurance typically provides for the largest immediate death benefit amount for each premium dollar. It is appropriate if you are seeking protection for a specific need that will end at a future date such as to pay for a child s college education expenses, to repay a loan or to replace income should death occur prior to retirement.

  • How does term life insurance differ from permanent life insurance?

    Permanent life insurance is intended to provide protection for your entire life. Generally, the premiums for permanent insurance are higher at least initially than for the same amount of term insurance. A portion of the permanent life insurance premium is used to build-up a cash value in the policy. The cash value can be used in a number of different ways including allowing you to take out a loan against the cash value. Term insurance, as described in question one, provides protection only for a specified period of time and typically does not build up any cash value.

  • What are the main types of term life insurance available for purchase?

    In general, there are three main types of term insurance available:

    Level term insurance

    The amount of death benefit protection you purchase will remain the same for the entire term period. The premiums you pay for this level amount of death benefit may also be level for the entire period, may be level only for a specified period, or may increase over time.

    Decreasing term insurance

    The amount of the death benefit protection you purchase will decrease over the term period. Premiums for a decreasing term policy usually remain level throughout the term period. Decreasing term insurance is generally purchased by those who have financial obligations that decrease over time such as a mortgage or a personal or a business loan.

    Annual renewable term insurance

    The amount of the death benefit protection you purchase will remain the same for the term period. The premiums you will pay for this level amount of insurance will increase each year.

  • What is renewable term life insurance?

    Many term life insurance policies are described as being renewable . This feature allows the policy to be renewed for another term period without having to show that the insured is in good health. As long as you pay the premium due, the policy will automatically renew for another term period subject to a maximum age limit. The premium due upon renewal will most likely be higher than the premium you paid for the initial term period.

    In most cases, term policies in New York currently cannot be renewed beyond age 80.

  • What is convertible term life insurance?

    Some term life insurance policies are described as being convertible . A conversion provision allows the owner of the term life policy to convert from the term life insurance policy to a permanent life insurance policy during a specified period of time without having to show that the insured is in good health. The conversion period is shorter than the duration of the term insurance coverage.

  • How long will coverage under a term policy continue?

    How long coverage under a term policy will continue will depend on the type of and duration of the term policy you purchase. For example, if you purchase an annual renewable term policy your coverage may be renewed each year up to a specified maximum age limit. If you purchase a 10 year level term policy you will have coverage for 10 years. If you purchase a 10 year renewable level term policy you will have coverage for 10 years and then have the right to renew your term coverage for another 10 years.

  • Will the premiums due for term life insurance change over time?

    Whether or not your premiums remain level for the entire term period or increase over time will depend on the type of term policy you purchase. Premiums for a term policy may be either level or increasing. Premiums can also be guaranteed in the policy to remain level for a specified period of time and may increase thereafter. In general, for most term policies the premiums will increase over time.

    Some term policies provide for what is known as indeterminate premiums. This means that the policy will set forth a schedule of maximum guaranteed premiums. The insurer can never charge more than the maximum premiums in your policy. However, the insurer intends to charge you what is know as the current premiums which are less than the guaranteed maximum premiums in your policy. Ask to see both sets of rates before you make a purchase.

    Term insurance is very competitive with respect to premium rates. Shop around and compare.

  • Can an insurer cancel term life insurance?

    A term life policy will stay in force as long as you continue to pay the premiums due. If you miss a premium due date you will have a 31 day grace period to pay the premium due. Your policy will remain in force during the grace period.

    An individual term life policy can be canceled by the insurer only for non-payment of premium. If you do not pay the overdue premium payment within the grace period your term policy will terminate. The policy cannot be canceled due to a change in your health status.

    If you purchase term insurance through a group such as an employer-employee group your term coverage may terminate when you are no longer an eligible member of that group e.g. your employment ends. Be sure to read the termination provision of your group term life certificate.

  • What is a Return of Premium feature?

    A Return of Premium feature is a feature that has recently become popular and may be offered in conjunction with term life insurance coverage. The return of premium feature will generally provide for a refund of all or some of the premiums you paid for the term insurance at the end of a level term period or at end of the term coverage period if no death benefit was paid out during that period. The parameters of the return of premium feature will vary depending on the term life insurance policy you purchase. The return of premium feature can be offered by a separate rider to the term life policy for an additional cost. The return of premium feature may also be a provision within the term life policy. Term life policies with this feature will be more expensive than a term life policy that does not offer this feature. You should consider whether the return of premium benefit is worth the extra cost.

  • What premium mode should I choose when purchasing term life insurance?

    Most companies offer a variety of premium modes including annual, semi-annual, quarterly or monthly. In deciding which premium mode to choose you should consider the following:

    If you choose to pay an annual premium and then decide to terminate your policy before the end of the year, the insurer is not required to refund any portion of the premium paid.

    Generally, there is a higher cost associated with more frequent premium modes. Ask your agent or the company for a comparison of the different premium modes and the costs associated with each before making your purchase.



  • What You Need To Know About A Short Term, 3 Month Car Lease #auto #air #filters


    #short term auto lease
    #

    What You Need To Know About A Short Term, 3 Month Car Lease

    People choose to lease a car for many reasons, such as traveling for work or for personal use. If you need a car short-term, such as a 3 month car lease, there are several things to consider.

    Short term car lease offers can be hard to come by, generally a dealer will prefer to lease a car for a standard lease term of 24 month or more. Because of this, any available short-term lease deals will usually have much higher monthly costs when compared to a typical lease.

    Here are a few things to know about short-term leases and lease take overs. Keep the following in mind, should you lease a new car and want to transfer the lease to another person:

    • Leasing a car for shorter periods of time, such as a 3 month lease, most often means you’ll end up renting – which can be more costly versus a long-term lease. It may work out cheaper to just lease a car for a standard lease term, find out what deals are available in your area by requesting your free, no obligation lease price quote .
  • A lease takeover or assumption means you’ll assume complete responsibility for monthly payments – driving the car for the rest of the lease term and returning it to the dealership/financing agency. Often this is not a favorable deal, because the monthly payments will be too expensive.
  • The downside to assuming a lease is that the car you’re leasing is no longer brand new. Depending on the driving habits of the previous driver, you could end up with a poorly maintained car – possibly even paying extra for wear and tear, or mileage fees at the end of the lease term.

  • 3 Month Lease Deals are Hard To Come By- Find Standard Lease Deals Near You!

    • The first thing to do is determine the type of car that will meet your needs and priorities. By evaluating what is most important to you in a car, you’ll be able to select the style to best meet your needs.
  • Request a free, no obligation lease price quote to see the short-term lease specials being offered by local dealerships. You will be able to see which dealerships in your area will offer you special incentives on standard leases that could work out cheaper than a 3 month lease.
  • Think about the total leasing costs for the lease term. Estimate anticipated gas mileage, insurance and leasing fees. Evaluate the rates for different classes of cars – it’s possibly a different class will give you a lower overall cost.
  • Request a free new car lease quote now to find the best lease deals in your area, you’ll be surprised at the offers that could work out to being better than a 3 month leasing offer. Learn everything you need to know, so you can negotiate with confidence for the best car lease price possible.



    Residential Long-Term Treatment Centers in New York #long #term #rehab


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    RESIDENTIAL LONG TERM TREATMENT FACILITIES IN NY

    According to National Substance Abuse Index (NSAI), there were 305,594 persons receiving treatment for various substance abuse problems in New York in 2006. Most of the drugs come from the southwestern areas of US, and Canada. Major New York Cities sell heroin, marijuana and cocaine in street shops and residential areas and also in high schools. 144,240 (47.2%) of those between 31 and 45 years are addicted to drugs. During Residential Long Term Treatment, a person has to stay in the rehab for 90 days or less for complete addiction elimination. Throughout the treatment, the patient is placed under the guidance of doctors and therapists who provide a blend of medical and therapeutic care. This treatment cures a patient through long term exposure to an alternative healthy lifestyle, sports, life coaching and detoxification.

    Our website has the biggest list of all rehabs in New York that provide Residential Long Term Treatment in the state. If you want to help anyone get rid of their drug dependency, call up a rehab today. National Institute on Drug Abuse states that illicit substances cause coronary diseases and troubled breathing, loss of memory, high blood pressure, disorientation and chronic abdominal pain. If you suffer from substance abuse, get in touch with a rehab today for lasting cure.

    RESIDENTIAL LONG-TERM TREATMENT CENTERS IN NEW YORK



    Insurance Quotes Online: Auto, Home, Health, Term Life, Renters #auto #body #panels


    #insurance quotes auto
    #

    Compare Insurance Quotes and Save

    Looking for a Quick Auto Insurance Estimate?

    Find Cheap Auto Insurance: 5 Simple Ways to Save

    5 Ways to Save on Homeowners Insurance

    5 Ways to Find Lower Term Life Insurance Rates

    Individual Health Insurance: Just the Facts

    5 Renters Insurance Policy Myths That Don’t Hold Water

    Small Business Insurance: Getting Started

    В» More Motorcycle Insurance Information

    5/20/2014: Drugged Driving: Is Any Amount Too Much?

    Increasing your car insurance deductible from $200 to $500 could reduce your collision and comprehensive coverage costs by 15 to 30%.*

    An Insurance Research Council poll found that 96% of homeowners had home insurance while only 43% of renters had renters insurance.

    About 5% of Americans get their health coverage from an individual health insurance policy, according to NAHU.org.

    Less than 50% of young families have life insurance for either spouse that they have purchased on their own.**



    Short Term Car Lease California #ny #auto #show


    #short term auto lease
    #

    Short Term Car Lease California

    If you don’t have a car, but you think you may want one for a short amount of time, you should think about getting a short term car lease in California. Car leasing is a type of lending where you are allowed to use a car for a specified amount of time and pay for the time you have it.

    How Leasing Works

    When you lease a car from a dealership, you agree to pay a monthly fee for the amount of time you have the car, but it is not actually the dealership that you are paying. The dealer “places” or “assigns” the loan to a bank, lease company or finance company, which means that the financial institution pays the dealer for the whole lease at once, then receives the payment from the customer. There are two different ways that you can finance a lease. You can allow the dealer to find a finance source, usually the car maker’s own financial company, or find your own finance source through an independent lease company. It is often a better deal to use the independent lease company than the car maker’s financial company.

    California Leasing

    California is a particularly good place to lease a car. Since there are so many people in the state, there are many financial companies to choose from, which makes them compete with each other to make the best deals. You should have no problem finding a good deal on a short term car lease in Los Angeles or any other city in California.

    Related Questions and Answers

    No, there are no California car leasing deals that are specific to the state. Manufacturers will rarely write a leasing special that is specific to a state. In some cases, certain models are only available in certain states, but this is not a very common practice. California is an excellent place to lease a car. Its large population ensures there are plenty of banks and financing companies writing leases. if you have a particular car in mind, check the manufacturers website to see what their latest leasing specials are. These deals will typically last for one to three months. Check your local newspaper ads for leasing deals as well.



    What You Need To Know About A Short Term, 3 Month Car Lease #auto #insurance #company


    #short term auto lease
    #

    What You Need To Know About A Short Term, 3 Month Car Lease

    People choose to lease a car for many reasons, such as traveling for work or for personal use. If you need a car short-term, such as a 3 month car lease, there are several things to consider.

    Short term car lease offers can be hard to come by, generally a dealer will prefer to lease a car for a standard lease term of 24 month or more. Because of this, any available short-term lease deals will usually have much higher monthly costs when compared to a typical lease.

    Here are a few things to know about short-term leases and lease take overs. Keep the following in mind, should you lease a new car and want to transfer the lease to another person:

    • Leasing a car for shorter periods of time, such as a 3 month lease, most often means you’ll end up renting – which can be more costly versus a long-term lease. It may work out cheaper to just lease a car for a standard lease term, find out what deals are available in your area by requesting your free, no obligation lease price quote .
  • A lease takeover or assumption means you’ll assume complete responsibility for monthly payments – driving the car for the rest of the lease term and returning it to the dealership/financing agency. Often this is not a favorable deal, because the monthly payments will be too expensive.
  • The downside to assuming a lease is that the car you’re leasing is no longer brand new. Depending on the driving habits of the previous driver, you could end up with a poorly maintained car – possibly even paying extra for wear and tear, or mileage fees at the end of the lease term.

  • 3 Month Lease Deals are Hard To Come By- Find Standard Lease Deals Near You!

    • The first thing to do is determine the type of car that will meet your needs and priorities. By evaluating what is most important to you in a car, you’ll be able to select the style to best meet your needs.
  • Request a free, no obligation lease price quote to see the short-term lease specials being offered by local dealerships. You will be able to see which dealerships in your area will offer you special incentives on standard leases that could work out cheaper than a 3 month lease.
  • Think about the total leasing costs for the lease term. Estimate anticipated gas mileage, insurance and leasing fees. Evaluate the rates for different classes of cars – it’s possibly a different class will give you a lower overall cost.
  • Request a free new car lease quote now to find the best lease deals in your area, you’ll be surprised at the offers that could work out to being better than a 3 month leasing offer. Learn everything you need to know, so you can negotiate with confidence for the best car lease price possible.



    Short Term Car Lease California #cars #and #trucks #for #sale


    #short term auto lease
    #

    Short Term Car Lease California

    If you don’t have a car, but you think you may want one for a short amount of time, you should think about getting a short term car lease in California. Car leasing is a type of lending where you are allowed to use a car for a specified amount of time and pay for the time you have it.

    How Leasing Works

    When you lease a car from a dealership, you agree to pay a monthly fee for the amount of time you have the car, but it is not actually the dealership that you are paying. The dealer “places” or “assigns” the loan to a bank, lease company or finance company, which means that the financial institution pays the dealer for the whole lease at once, then receives the payment from the customer. There are two different ways that you can finance a lease. You can allow the dealer to find a finance source, usually the car maker’s own financial company, or find your own finance source through an independent lease company. It is often a better deal to use the independent lease company than the car maker’s financial company.

    California Leasing

    California is a particularly good place to lease a car. Since there are so many people in the state, there are many financial companies to choose from, which makes them compete with each other to make the best deals. You should have no problem finding a good deal on a short term car lease in Los Angeles or any other city in California.

    Related Questions and Answers

    No, there are no California car leasing deals that are specific to the state. Manufacturers will rarely write a leasing special that is specific to a state. In some cases, certain models are only available in certain states, but this is not a very common practice. California is an excellent place to lease a car. Its large population ensures there are plenty of banks and financing companies writing leases. if you have a particular car in mind, check the manufacturers website to see what their latest leasing specials are. These deals will typically last for one to three months. Check your local newspaper ads for leasing deals as well.



    How to Get a Short Term Car Lease #car #sale


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    How to Get a Short Term Car Lease

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    Search the car lease adds at websites like LeaseTrader, LeasedWheels, Swapalease and AutoLeaseBreakers to get a short term car lease. The sites serve as listing brokers for car lease holders who need to get out of a car lease typically for financial reasons.

    Choose a reputable company that offers car lease takeovers for the duration you want. You can typically get a short term car lease for as little as six months. Realize when you swap a lease that you’ll be assuming the monthly car lease payments for the months that remain in the original vehicle lease.

    Find a car that interests you in the ads and check its condition, history and car lease swap terms. Consider inspecting the car in person before you agree to the short term car lease. If there are lease transfer or credit application fees before you assume the vehicle lease, consider asking the seller to cover them.

    Swap a lease by agreeing to the stipulations of the short term car lease, which will typically be arranged and documented in paperwork through the original car lease holder’s company. Sign the new vehicle lease contract to make the car lease transfer official.

    Realize that when you get a short term car lease, you will have the option of buying the car or returning it to the dealership once the vehicle lease is up. You will also be held liable for any damage or mileage overages discussed in the original car lease agreement.



    Best Short Term Car Lease Options #auto #kopen


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    Best Short Term Car Lease Options

    October 16, 2013

    When a consumer is in need of a vehicle for a short period of time, a short term car lease may be the best way to go. However, make sure to examine all the options available when considering a short term lease.

    1. Length of Contract

    Due to the short period of time a consumer may need to use a vehicle, many finance companies offer cars that consumers have leased through long-term arrangements that they now wish to terminate. The minimum period for a short-term lease is generally 6 months with the maximum usually being 24 months.

    2. Check out the Fees

    Often, finance companies will reduce or eliminate certain document, filing, disposition and termination fees as an extra incentive when marketing short-term leasing arrangements.

    3. Monthly Payments

    Monthly payments may be much lower than the original lease arrangement when the vehicle has been leased for at least a year. Since payments are determined by depreciation value, the rate for the first year can be up to 30%. This allows for lease assumption at a reduced vehicle value that can benefit a consumer seeking a short-term deal.

    4. No Insurance Needed

    Often many fees, such as insurance. have already been satisfied and the assumer of a lease arrangement can realize additional savings.

    5. Check Restrictions

    Make sure to gain an understanding about any restrictions that carry over from the original lease like operating limitations and excessive mileage charges that may increase the cost of the short term lease.

    Related Questions and Answers

    Is Private Vehicle Leasing Different Than Car Leasing

    Yes, private vehicle leasing is different than car leasing. A private vehicle lease involves taking over a car lease from another driver without contacting the finance company. For example, private vehicle leasing is a possible option if someone needs a short-term lease and does not want to rent a car. In other cases, private vehicle leasing helps drivers with some bumps in their credit histories get cars that they could not otherwise finance. In private vehicle leasing, a binding lease agreement is executed between the person who originally leased the car and the person who wants a private vehicle lease.

    What are the Biggest Drawbacks to Short Term Personal Car Leasing?

    The biggest drawbacks to short term personal car leasing include the potentially higher cost of personal car leasing versus a traditional car lease and the fact that short term personal car leasing does not improve your credit history, as the loan is not in your personal name. In addition, lessees may be reluctant to start a short term personal car lease with someone else. Because if payments are missed, it negatively impacts the credit history of the lessee, not the person who is driving the car. Additionally, as with any car lease, the mileage allowed by a lease is limited, so going over the allotted mileage can result in hefty overage fees.

    Are there any First Time Discounts Available on Your First Vehicle Leasing?

    Yes, there are occasionally first time vehicle leasing discounts available to customers leasing a vehicle for the first time. The range of discounts and leasing options available varies between finance companies. Many finance companies have first time buyer or college graduate programs that offer lower interest rates and loosened credit requirements to help first time vehicle leasing customers get into a car or truck that best fits their needs. For example, General Motors offers a college graduate discount program that offers supplier pricing on the vehicle of the first time lessee’s choice. Volkswagen offers a program that guarantees credit approval for first time vehicle leasing customers who have a college degree and a job offer.