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Term Life vs. Whole Life Insurance
Quotes & Rates
Term Life Insurance:
Term Life Insurance provides a death benefit for a specified
number of years. Term Life Insurance is an economical
option and often satisfies your family's or business'
needs for life insurance coverage. Shop term life insurance
quotes with Shop Term Quotes Insurance Services instant,
online quoter.
Whole Life Insurance: Whole
Life Insurance Is made up of several components: It
is a Term Life Insurance Policy with an investment component.
The Investment component is similar to a high powered
savings account. The policy builds cash value that you
can borrow against. The three most common types of whole
life insurance are traditional whole life policies,
universal and variable. With both whole life and term,
you can lock in the same monthly payment over the life
of the policy. It is advisable to shop term quotes from
Shop Term Quotes Insurance Services instant, online
quoter and compare that to your whole life quote. Speak
with a licensed insurance agent at 1-800-264-8114.
Whole Life Insurance: While
there are many varieties of Term and Whole Life Insurance
policies a good rule of "estimation" is that
a whole life insurance policy premium will be 4 times
the amount (give or take) that of a term life insurance
policy.
Replacement: Life Insurance Policies
Replacing
a Term Life Insurance Policy: Almost all insurance
carriers will ask you very specific information when
you are replacing a life insurance policy. They will
want to know the name of your present life insurance
carrier, the policy number, the death benefit and the
number of years the policy offers coverage.
You should compare the current cost of your life insurance
policy to the life insurance quote that you are basing
obtaining new life insurance coverage. It is important
to assess your need for life insurance coverage. It
is advisable to shop term quotes from Shop Term Quotes
Insurance Services instant, online quoter and speak
with our licensed life insurance agents regarding your
personal medical history.
Life Insurance Quotes & Companies?
Which
Life Insurance Company: Which Life Insurance Application?
There are over 1000 Life Insurance Companies
selling life insurance in the United States. Shop Term
Quotes Insurance Services provides many life insurance
quotes - EVERY DAY! Every life insurance company specializes
in some "preferred risk" that they will issue
life insurance coverage.
There are life insurance companies that specialize
in offering life insurance coverage for users of tobacco
products. These are often referred as "Smoker Life
Insurance" or "Tobacco Products Life Insurance."
Many companies claim to be an "Impaired Risk"
Insurance Company. It is important to understand that
though one company may offer you the best rate on the
Shop Term Quotes Insurance Services, instant, online
quoter; your personal medical history may be underwritten
differently than you think.
Impaired Risk Life Insurance:
It is advisable to shop term quotes from Shop
Term Quotes Insurance Services instant, online quoter
and speak with our licensed life insurance agents regarding
your personal medical history. "Impaired Risk"
means that one's personal medical history contains several
medical conditions or even just "one" significant
medical condition.
Tobacco
Product - Smoker's Life Insurance: Quotes &
Rates
Tobacco Product Life Insurance
- Smoker's Life Insurance: There is a difference
between Cigar smokers, Cigarette smokers and tobacco
chewers? They represent varying degrees of health risks
and some term life insurance carriers will acknowledge
the difference which will be reflected in the underwriting
class you ultimately qualify. This means that the life
insurance premium will be cheaper. Most Life Insurance
tobacco rates are almost and sometime more than 50%
than that of a non - tobacco life insurance quote.
Life Insurance Companies distinguish the difference
between an occasional tobacco user i.e. Celebratory
Cigar Smoker vs. a pack a day smoker. In many cases,
tobacco users can qualify for Preferred Non –
Smoker rates! It is advisable to shop term quotes from
Shop Term Quotes Insurance Services instant, online
quoter and speak with our licensed life insurance agents
regarding your personal medical history. We know which
companies are currently offering the best life insurance
rates on tobacco product life insurance - smoker's life
insurance.
Shop
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Quotes.
High
Cholesterol Life Insurance: Quotes & Rates
High Cholesterol
Life Insurance: It is possible to obtain a Preferred
Underwriting Class (which translates into a cheaper
premium) if you have high cholesterol. Please review
our Cholesterol Quote
Form.
Life Insurance Companies are going to inquire as
to how long you have been on cholesterol and if it is
well controlled. This will be evidenced in the free
medical exam that you take when you apply for life insurance.
You may want to obtain a quote for a No Medical Exam
Life Insurance Policy or No Physical Exam Life Insurance
Policy. The medication you are taking is a consideration
as well. For example, VYTORIN is actually two "2"
medications in one. This can affect your underwriting
class as it may infer that your cholesterol could not
be controlled with one medication.
It is advisable to shop term quotes from Shop Term
Quotes Insurance Services instant, online quoter and
speak with our licensed life insurance agents regarding
your personal medical history.
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Beneficiary - Life Insurance Quotes
& Rates
Life
Insurance requires that you name a beneficiary:
A beneficiary is who will be the recipient of your estate.
You can have multiple beneficiaries. Your life insurance
beneficiary can be any individual or entity. If you
name a trust as your beneficiary; you must provide the
exact name of the trust, the date when it was formed
and the tax i.d. number for the trust.
Life Insurance Beneficiary Proceeds:
When you designate a life insurance beneficiary,
you must declare the share (percentage) that the life
insurance beneficiary will receive. For instance, if
you designate two people as your primary life insurance
beneficiary; you must assign a percentage to each and
together that percentage must total 100%.
Life
Insurance Contingent Beneficiary: In the
event that your primary life insurance beneficiary is
no longer living or in the case of a business entity
(trust) no longer exists; you should designate a contingent
beneficiary. As in the case with your primary life insurance
beneficiary, your contingent life insurance beneficiaries
must be designated a percentage of the proceeds of your
life insurance policy that total to 100%.
It is advisable to shop term quotes from Shop Term
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online quoter and speak with our licensed life insurance
agents should you have any questions or concerns regarding
beneficiaries.
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Medical Exam Term Life Insurance Quotes, Beneficiary
No Physical Exam Term Life Insurance Quotes, Beneficiary
Chase Term Life Insurance Quotes.
Family History - Life Insurance Quotes
& Rates
Family
History Life Insurance: A question on the
life insurance application makes reference to your family
history. The Insurance carrier will look to see if your
family history will have a “genetic” impact
on your health. The question typically reads similar
to: Has any immediate member of your
family, prior to the age of 65 (sometimes 70) died from
or currently have: Diabetes? Heart Disease? Brain Anyuerism?
Stroke / TIA? Cancer?
Immediate
Family Member - Life Insurance Quotes & Applications:
An immediate family member consists only of your natural
Mother, Father, Brother & Sisters. Your Grandparents,
Aunts, Uncles & Cousins have no impact in underwriting
your life insurance coverage.
Unsure
of your family's history? You can answer
the application with the term, "unknown."
This is in the event that you were separated from your
family or you just don't know the answer. This also
applies in the case that you were adopted and do not
know your family's history. In which case, answering
"unknown" typically will not impact underwriting
your life insurance coverage.
Family
History - Life Events beyond your control:
In the event that a member of your family is deceased
due to an event beyond your genetic history this also
will not affect underwriting your life insurance coverage.
(i.e. died of alcoholism, car crash, etc.)
It is advisable to shop term quotes from Shop Term
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online quoter and speak with our licensed life insurance
agents should you have any questions or concerns regarding
beneficiaries.
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History Chase Term Life Insurance Quotes.
S.C.U.B.A. Life Insurance Quotes
& Rates
S.C.U.B.A.
Life Insurance Quotes & Applications:
The key to underwriting your life insurance application
and quoting you correctly on your life insurance application
is to establish the difference between a recreational
Scuba Diver and a Professional Scuba Diver (commonly
known as a Commercial Diver). Also, multiple certifications
and depth of dives can be a determining factor in underwriting
your life insurance application.
Professional
Scuba Diver: You are viewed as a professional
if you accept money for the act of Scuba Diving. If
you are a Comerica diver, there are special life insurance
quotes & rates that you should obtain prior to submitting
a life insurance application.
Recreational
Scuba Diver: If you are a recreational diver,
this should not adversely affect your underwriting class
when obtaining life insurance.
Certifications:
Scuba Diver: If you have multiple certifications
this may adversely affect the premium you will pay for
your life insurance coverage. i.e. DAN (Diver Alert
Network), Cave Diver, etc. These certifications may
imply to a life insurance carrier that you have the
propensity to dive beyond recreational depths and be
considered and rated as a Professional Scuba Diver.
It is advisable to shop term quotes from Shop Term
Quotes Insurance Services instant, term life insurance,
online quoter and speak with our licensed life insurance
agents should you have any questions or concerns regarding
Scuba Diving.
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Scuba Diver No Physical Exam Life Insurance Quotes,
Scuba Diver Chase Life Insurance Quotes.
Foreign Travel - Life Insurance Quotes
& Rates
Foreign
Travel Life Insurance: The Life Insurance
Company is concerned about their insured's intention
to travel and past travel history. The impact of underwriting
foreign travel changes rapidly. If you are traveling
to a country that is on the United States, State Department's
Travel Advisory, your life insurance underwriting will
likely be postponed until you return. You can check
the State Department's Travel Advisory at http://travel.state.gov/travel/cis_pa_tw/tw/tw_1764.html.
Foreign
Travel Life Insurance: If you have been to
a country that is on the Travel Advisory in the last
2 years the life insurance underwriter will be considering
what is the likelihood of you returning to this country?
The reason you traveled to this country and more specifically,
where you stayed and in what region of the country traveled.
Foreign Travel can become a very "Specific"
underwriting task.
Foreign
Travel Life Insurance: Often times, if you
are now a United States Citizen and you are from a country
on the travel advisory list, you may still incur a lesser
underwriting class due to the fact that your family
still lives there or your business lends itself to that
region of a country on the State Department's Travel
Advisory List.
It is advisable to shop term quotes from Shop Term
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online quoter and speak with our licensed life insurance
agents should you have any questions or concerns regarding
Foreign Travel.
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Life Insurance Quotes, Foreign Travel Chase Life Insurance
Quotes.
Military - Reserves Life Insurance
Quotes & Rates
Military
Life Insurance: "Active" military
- you can get underwritten for a life insurance policy.
Life Insurance applications do not specify the concerns
a life insurance underwriter has when underwriting a
life insurance policy for someone who is "Active"
in the military. The life insurance underwriting concerns
are similar to that of a "Reserve" Military
Applicant.
Reserves
Life Insurance: "Reserves Military -
you can get underwritten for a life insurance policy.
Life Insurance applications do not specify the concerns
a life insurance underwriter has when underwriting a
life insurance policy for someone who is a "Reservist"
in the military.
Military
& Reserve Life Insurance Applications:
The typical supplemental information that is asked for
is: What is your rank? What is the chance of you being
deployed, if not already? What specifically are your
duties? What country are you in? How long have you been
in the military? Are you receiving hazard pay or combat
pay?
Military
& Reserve Life Insurance Applications:
Typically you will be insured the same as any life insurance
applicant (subject to medical underwriting) but you
will, sometimes, get charged a "flat extra."
A "flat extra" refers to a specific dollar
amount per $ 1,000.00 of coverage. I.E. A $ 500,000
term policy for 20 years with a premium of $ 1,200.00
annually will also have a "flat extra" charge
to that premium of (i.e.) $ 4.50 per $ 1,000.00. Thus
your premium is $ 1,200 plus $ 4.50 X 500 equals "flat
extra" charge of $ 2,250.00; Total Annual Premium
equals $ 1,200 plus $ 2,250 = $ 3,450 annual premium.
The "flat extra" charge can usually be petitioned
off your policy once you retire from the military and/or
your chance of being deployed reduces to a degree acceptable
by the insurance carrier. These are all on a case by
case basis and there are only a few life insurance carriers
that will accept cover this risk. Speak with a Shop
Term Quotes Insurance licensed life insurance agent
for specifics to your situation.
It is advisable to shop term quotes from Shop Term
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online quoter and speak with our licensed life insurance
agents should you have any questions or concerns regarding
Military & Reservist Life Insurance.
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Pregnancy Term Life Insurance Quotes
& Rates
Pregnancy
Term Life Insurance: Many life insurance
carriers will offer you life insurance coverage up to
and through your 8th month - many will not. The earlier
in your pregnancy that you apply for life insurance
the better off your chances of obtaining not only life
insurance coverage but coverage at a more favorable
life insurance underwriting class (which translates
to a lower premium).
Pregnancy
Term Life Insurance: Applying for term life
insurance in the third trimester can be difficult. Often
times, when you are later into your final term, the
life insurance carrier will "postpone" your
case until you deliver your child. Shop Term Quotes
Insurance Services specializes in obtaining life insurance
for expectant families.
Pregnancy
Term Life Insurance: The life insurance application
does not ask specific questions regarding your pregnancy
but will address the following points of concern: Have
you completed a successful, non-problematic pregnancy?
Did you have gestational diabetes in a prior pregnancy?
Did you have elevated blood pressure, more than what
is normally associated with a full term? Did you deliver
early? Will medical records reflect a history of depression
during pregnancy? Will the medical records reflect Post
Partum Depression? Did you have a C- Section? Is a C-Section
planned? Do you have adequate health insurance? Is there
a history of Toxemia? Do you have a history of multiple
births? Do you have a history of premature births? Has
you weight increased after the first birth but not reduced
afterwards? What medications do you currently take?
Pregnancy
Term Life Insurance: Obtaining life insurance
coverage during pregnancy can become complicated. Shop
Term Quotes Insurance Services obtains life insurance
coverage for expectant families all the time. We are
specialists when it comes to obtaining life insurance
for your family.
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agents should you have any questions or concerns regarding
Pregnancy Life Insurance.
Calculating Coverage: Needs Analysis:
Life Insurance Quotes & Rates
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
Calculating & Determination: How much life insurance
coverage you require is not guesswork. There are many
schools of thought. Please consider the following:
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
The Death Benefit or proceeds of your life insurance
policy should perform a function other than to randomly
leave residual amounts of money to a family member or
entity (or so says the life insurance industry). The
basis of issuing life insurance coverage is based on
the need of that Life Insurance coverage. A "need"
or "justification" for life insurance coverage
is similar to: In the event of your untimely death,
will this result in loss of income to your family, business
or some other person or entity that is dependent upon
you? This "need" or "justification"
is referred to as " Replacement Income."
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
Another way of looking at life insurance coverage amounts
and life insurance death benefits is to determine if
in the event of your untimely death, will you need to
leave behind money to payoff a mortgage? a loan? a car?
a business? credit card debt? other miscellaneous debts?
Will you need to have enough proceeds from your life
insurance that they will satisfy your estate taxes?
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
There is always the option of having the proceeds from
your life insurance policy fund your children's education.
Or have the proceeds from your life insurance policy
protect a business from the loss of a key
person employee. Will the life insurance proceeds
be used to benefit a Charitable Remainder Trust? Or
Pay off a personal or business loan?
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
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Death Benefit Life Insurance Quotes, Death Benefit RBC
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Life Insurance Quotes, Death Benefit No Medical Exam
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Military & Reservist Life Insurance.
Calculating
Life Insurance Coverage - Death Benefit Life Insurance:
Insurance
Needs Calculator<click>
Free Medical Exam: Term Life Insurance
Quotes & Rates
Term Life Insurance
Free Medical Exam - Tips & Tricks &
Traps If you choose to have
a fully underwritten medical exam, you will
be engaging in a brief physical exam. This
is commonly referred to as a "Paramed
Exam" conducted by a "Paramed
Nurse." It is a very simple process.
Term Life
Insurance Free Medical Exam - Tips &
Tricks & Traps"Paramed"
nurse will come to your home or office.
He or She will check your Height, Weight,
Blood Pressure and take a blood and urine
sample. At that time, the "Paramed
Nurse" will ask you questions regarding
your personal medical history. You should
be fully aware of the questions they will
be asking and fully aware of how to answer
the questions in a manner that is best suited
to you obtaining the best possible underwriting
class. You do not want to expand your answers
into areas that appear to be related to
your personal medical history but do not.
Do not open doors where they do not need
to be opened. A WORD
OF CAUTION: The Paramed
Nurse is typically a "contract employee"
that is being paid "per diem."
Meaning they make income by conducting these
paramed exams. Some Insurance Carriers will
pay more money to have the exam conducted
than others. So it follows that you will
have some "good eggs" and some
"bad eggs." If you are clear and
concise in answering the questions regarding
your medical history you should have no
problems. The Paramed Nurse is a NURSE.
The Paramed Nurse is not a Licensed Life
Insurance Agent and cannot guide you regarding
questions relating to your application.
Be kind, courtesy and dismiss them as quickly
as possible from your home or office. Do
not make friends with the "Paramed
Nurse." Keep your visit strictly professional.
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Term Life Insurance Free
Medical Exam - Tips & Tricks & Traps |
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Schedule your exam in the morning. Your blood pressure is lower in the A.M. |
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If possible; fast for the exam |
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Consume no or minimal alcoholic beverages
24 hours before the exam. Preferably, do
not take Ibuprofen 2 days prior to the exam.
This could result in temporarily elevated
liver enzymes. But by all means take the
Ibuprofen if you need it but be sure to
have the paramed nurse note that on the
Part II Medical Exam Document that he or
she is making notes. |
|
Refrain from excessively jogging, running
or engaging in heavy exercise - 2 days prior
to the exam. Not heeding to this tip; you
may discover that you have protein in your
urine. This may falsely infer you have other
medical conditions you are unaware and result
in a retest, a possible postponement of
your life insurance application can generate
a declination offer for life insurance coverage.
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Refrain from drinking juice (i.e. apple,
orange, etc.) the morning or day of the
medical exam. This may temporarily cause
you to have elevated sugar levels and wreck
havoc with insulin levels and other chemistry
panels. |
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Term Life Insurance Free Medical Exam - Tips & Tricks
& Trap are meant to be a guide and not an
absolute. In addition, these tips & tricks
& traps are offered via information only and
you are not to rely on it in whole or part when
taking your paramed exam. These notes on the Paramed
Exam are merely to inform the life insurance applicant
about the Free Paramed Medical Exam and does not
infer disingenuous paramedical exams. |
Term
Life Insurance Free Medical Exam: Shop
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Term Life Insurance Application:
Quotes & Rates
Term Life Insurance Application
Process: –It
is imperative that the life insurance applicant understands
the severity or "lack of" their personal medical
history. Shop Term Quotes Insurance Services has provided
the potential applicant an underwriting
knowledge base for answering many
questions regarding their personal history
Term Life Insurance Application
Process: It is strongly recommended
that the life insurance applicant visit the Underwriting
Knowledge Base page and research
all aspects of their medical history.
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High Blood Pressure: Term Life
Insurance Quotes & Rates
High
Blood Pressure Life Insurance: Obtaining
life insurance coverage is possible with high blood
pressure. A Life Insurance Underwriter will consider
the medications you are taking combined with other symptoms
in your medical history. Typically, an Insurance Company
would like to see that you have been on the blood pressure
medication for a minimum of 6 months and that your high
blood pressure is well controlled.
High
Blood Pressure Life Insurance: The Life Insurance
Carrier will look for other clues in your medical records
to determine other factors that may be present. For
instance, are you a borderline diabetic? are you overweight
or underweight? Do you use tobacco products and do you
abuse alcohol? These are only some of the factors that
are considered by the life insurance carrier.
High
Blood Pressure Life Insurance: It is advisable
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Heart Disease: Term Life Insurance
Quotes & Rates
Heart
Disease Life Insurance: Life Insurance coverage
is possible if you have heart disease. The past condition
of your heart vs. the current condition of your heart
will impact the underwriting of your life insurance
policy.
Heart
Disease Life Insurance: What is your specific
heart disease condition? The more medical records you
can provide the better the possibility of a favorable
outcome. What is your current lifestyle? Do you use
tobacco products? Do you drink alcohol? How many medications
do you take? Are you physically active? Do you still
have an active driver's license? Are you on disability?
How often have you been hospitalized (if ever)? and
for how long?
Heart
Disease Life Insurance: Heart Disease will
not prevent you from obtaining life insurance coverage.
You will have a higher chance of getting a life insurance
application approved if you apply to a life insurance
carrier that specializes in impaired risk. Ask your
Shop Term Quotes Insurance Services licensed, life insurance
agent about which impaired risk life insurance carrier
may be more favorable to your personal medical history.
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Depression - Anxiety Life Insurance
Quotes & Rates
Depression
- Anxiety Life Insurance: Life Insurance
coverage is possible if you have a depression or anxiety
condition.
Depression
- Anxiety Life Insurance: Is your depression
/ anxiety due to a temporary situation? Is your depression
- anxiety condition ongoing? Have you ever been hospitalized?
Are you seeing a therapist while taking anti-depression
- anti-anxiety medications? Were you prescribed anti-depressants
and you decided to not take them but did not have your
medical records updated in your Doctor's office? Were
you prescribed an anti-depressant or anti-anxiety medication
for sleep?
Depression
- Anxiety Life Insurance: Depending upon
your personal medical history it may be possible to
obtain a preferred underwriting status. Speak with a
Shop Term Quotes Insurance Agent to submit your application
to a life insurance carrier that may be more lenient
with this medical condition.
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DUI's - Speeding Tickets Life Insurance
Quotes & Rates
DUI's
- Speeding Tickets Life Insurance: A bad
driving history is viewed by life insurance carriers
as "high risk." Multiple speeding tickets
can prevent you from getting a Preferred Underwritten
life insurance policy, even if you are the spitting
image of perfect health.
DUI's
- Speeding Tickets Life Insurance: If you
have had multiple DUI's or several points on your M.V.R.
(Motor Vehicle Record) you will find it difficult to
obtain a preferred underwritten life insurance policy.
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Pilot - Aviation Life Insurance
Quotes & Rates
Private
& Comerica Pilot Life Insurance: We are
consistently contacted by Private and Commercial Pilots
that tell us that they discovered a an "general
aviation exclusion" in their life insurance policy.
We have obtained life insurance coverage for both Private
& Commercial Pilots.
Private
& Commercial Pilot Life Insurance: What
type of aircraft do you pilot? What type of license
and ratings do you hold? When were your pilot license,
ratings issued? renewed? If a Commercial Pilot: Do you
fly on regularly scheduled flights? Do you fly a Crop
Duster? If Military:
Private
& Commercial Pilot Life Insurance: MILITARY:
Do you fly MACs (transport)? FLOGS (Fleet
Logistic Air Wing)? National Guard or Reserves?
Private
& Commercial Pilot Life Insurance: Helicopter?
Stunt Flying? Racing? Glider Flying? Test Flying? Ultra
Light Flying?
Private
& Commerical Pilot Life Insurance: How
many hours do you have? Do you have an IFR? Are you
an instructor of students? Do you own, rent or lease
your aircraft?
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Bankruptcy Life Insurance Quotes
& Rates
Bankruptcy
Life Insurance: It is possible to obtain
life insurance coverage once you have discharged your
bankruptcy case. Most life insurance carriers will "postpone"
your case until your case has been discharged. In some
cases, if you are in a "reorganization" and
not a straight bankruptcy, you may be able to obtain
life insurance coverage.
Bankruptcy
Life Insurance: When submitting your life
insurance application, you will have to state the reason
you filed bankruptcy and the date of discharge. If you
are applying for a large death benefit the insurance
carrier may request more details of the bankruptcy such
as the schedule of creditors and other information.
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Life Insurance Bankruptcy Chase Life Insurance Quotes.
Criminal History - Probation Life Insurance Quotes &
Rates
Criminal
History - Probation Life Insurance: If you
have been convicted of a felony, you will have to disclose
this to the insurance carrier. You will likely have
to name what the charge and conviction were and if you
served any time in a correctional facility. More importantly,
that you have completed your sentence and that you are
NOT on probation. You will likely be "postponed"
or "declined" until you are off probation.
Criminal
History - Probation Life Insurance: Life
Insurance Carriers view correctional facilities as a
"risky place." If you are still on probation,
a chance will exist that if you violate your probation,
you may return to a correctional facility, in which
case, your case will likely be postponed or declined.
Build - Height - Weight Ratio Life
Insurance Quotes & Rates
Build
- Height - Weight Ratio Life Insurance: Each
Life Insurance Carrier has their own height/weight (build
charts). Some are more generous than others. Ask your
Shop Term Quotes Insurance Licensed Life Insurance Agent
which company may be best for your term life insurance
application.
Build
- Height - Weight Ratio Life Insurance: If
you are on the border of a Preferred and a Standard
underwriting Height - Weight chart; shedding a few pounds
could save you hundred's of dollars annually. If you
apply for a Non Medical - No Physical Exam life insurance
policy, your height and weight will generally be checked
off of your driver's license and/or MIB (Medical Information
Bureau). Ask your Shop Term Quotes Insurance Licensed
Life Insurance Agent which company may be best for your
term life insurance application.
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Quotes.
Mortgage Protection: Life Insurance
Quotes & Rates
Mortgage
Protection Life Insurance: Mortgage Protection
life insurance policies are typically written as a form
of decreasing term insurance with a face amount decreasing
as the debt amortizes, so the amount of insurance protection
always equals the amount owed. If the borrower or insured
(mortgagor) dies before the debt is paid, the life insurance
either pays off the debt, leaves a sum of money for
the retaining principal. This is also referred to as
“Credit Life” because it can be purchased
through a creditor by a borrower to insure the debt
in the event of a premature death.
Mortgage
Protection Life Insurance: Many companies
issue these policies at a standard or substandard underwriting
class with no medical exam. These premiums can be quite
high compared to acquiring a regular term life policy
that has medical underwriting. If you are having difficulty
securing a loan or need a loan right now, you should
contact a Shop Term Quotes Insurance Licensed Life Insurance
Agent for quotes on a non medical exam - no physical
exam life insurance policy.
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Credit Life Insurance: Quotes &
Rates
Credit
Life Insurance:This is a form of term life
that is purchased at the same time as a major purchase
such as a car or boat. If the borrower of the money
dies, the life insurance portion pays off the remaining
loan. If the borrower becomes disabled, the monthly
income payout is used to pay the monthly bill.
Credit
Insurance: Credit Life Insurance and Credit
Insurance are two distinctly different products. Credit
Insurance insures inventories and receivables for large
companies. This is sold by a Property & Casualty
Broker not a Life Insurance Agent. This is not Credit
Life Insurance.
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Life Insurance Credit Chase Life Insurance Quotes.
Decreasing Term Life Insurance:
Quotes & Rates
Decreasing
Term Life Insurance: This is temporary insurance
that the principle declines as the years go by. It is
used to cover a loan or mortgage. Please refer to Mortgage
Protection Life Insurance for more information regarding
decreasing term life insurance. Speak with a Shop Term
Quotes Insurance Services Licensed Life Insurance Agent
to consult your situation.
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1035 Tax Exchange: Life Insurance
Quotes & Rates
1035
Tax Exchange - Life Insurance: IRS Section
1035, “Certain Exchanges
of Insurance Policies” , gives a life insurance
policyholder the benefit of replacing an existing cash
value life insurance policy without incurring any adverse
tax consequences. When a life insurance policyholder
surrenders a policy for its cash value, any gain in
the equity ( “total cash
value minus the total of premiums paid.”
) Is taxable as ordinary income. However, if the life
insurance policyholder exchanges the life insurance
policy for another contract and at the same time transfers
the total cash value to the new contract, subsequently,
the equity has been transferred as an unscheduled premium
deposit, there would be no gain and no taxable income.
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Deferred Compensation Plans: Life Insurance Quotes &
Rates
Deferred
Compensation Plans - Life Insurance: With
a Deferred Compensation Plan the employee will defer
a portion of his or her present compensation until retirement.
If this is a Selective Retirement Plan, the business
will provide the funding for a defined benefit or defined
contribution to a few key employees. If structured correctly,
there will be no taxes due on money until it is dispersed.
In some solutions, the plan will pay the executive's
spouse a benefit if the key person dies or even a benefit
is the executive becomes disabled. Life Insurance is
sometimes used as means to provide this solution. There
are many components to a Deferred Compensation Plan
and we urge you to speak with your legal counsel or
tax advisor prior to executing this type of compensation
plan.
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Key Person Life Insurance: Quotes & Rates
Key
Person Life Insurance: If you have income
producing key people that are crucial to your business
operations. Key Person Insurance can be purchased by
the business for the benefit of both the business and
the Key Person's beneficiaries. The policy is funded
by the business with the business being the beneficiary
and/or multiple beneficiaries. One of the beneficiaries
may be the Key Person's family in the event of death.
This is one solution to attract and keep Key Employees
to your business.
Key
Person Life Insurance: Every business must
face the possibility of losing a key person. This loss
may lead to a costly interruption of business, a reduction
in earnings, a serious threat to credit, or a difficult
and costly delay in finding and training a competent
successor.
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Buy-Sell Agreement Life Insurance: Quotes & Rates
Buy
- Sell Agreement Life Insurance: This is
an agreement between all owners of the business to purchase
the deceased owner's share of the business in the event
the individual retires, becomes disabled or dies.
Buy
- Sell Agreement Life Insurance: -Buy - Sell
Agreements are typically funded by a life insurance
benefit sufficient to buy out another partner or shareholder
in case of an untimely death. The typical way to fund
a buy - sell agreement is through life insurance. This
will provide a cash benefit for both the business and
the deceased family. Your business will be able to continue
operating and comfortably seek alternative solutions
without experiencing loss in revenue.
Buy
- Sell Agreement Life Insurance: Buy - Sell
Agreements exists for sole-proprietors, partnerships,
closely held corporations, S Corporations and a few
other business arrangements. It is important that you
have your legal & tax advisor consulted prior to
engaging in this life insurance strategy.
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Children's
Whole Life Insurance: Quotes & Rates
Children's
Whole Life Insurance:The best time to start
life insurance for your children is when they are young
and in good health. Apply online for coverage amounts
of $ 5,000, $ 10,000, $ 15,000 or $ 20,000 in coverage.
Start
for $ 1.00. Apply online: $ 5,000, $ 10,000, $ 15,000
or $ 20,000 in coverage, issued online!
Burial - Final Expense Life Insurance Quotes & Rates
Burial
Insurance / Final Expense Life Insurance: Globe
Life's adult life insurance is called Extra Life, which
is available in a variety of affordable plans that are
simple and guaranteed for life. $5,000, $10,000,
$15,000 or $20,000 in coverage. You can use this death
benefit for your burial and final expenses. Start for
$ 1.00 .Start
for $ 1.00. Apply Online: $ 5,000., $ 10,000., $ 15,000.
or $ 20,000.00 in coverage.
Section
162 – Executive Bonus Plans Section
162 - Executive Bonus Plans Life Insurance:
The Executive employee will purchase a permanent life
insurance policy on his or her life. The company may
bonus the employee the premium, which is usually tax
� deductible to the employer. The employee controls
the policy, including the death benefit and the cash
value, which accumulates tax-free until withdrawn.
Section
162 - Executive Bonus Plans Life Insurance:
There are many solutions Section 162 Plans and we urge
you to speak with you legal counsel or tax advisor prior
to engaging in a Section 162 Plan. Please call us for
a confidential discussion regarding this matter.
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Accidental Death Insurance
Accidental
Death Life Insurance: Start
with $ 1.00. The Family Protector Plan provides up to
$ 250,000 of added security for a covered accidental
death. Coverage is guaranteed regardless of health or
occupation if you are between the ages of 18 and 69.
There are no long forms to fill out and no medical exams
are required. The affordable monthly premiums are guaranteed
to never increase
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