Category Archives: senior life insurance

Get The Best Online Senior Life Insurance

Best Online Senior Citizen Term Life Insurance

By searching on the internet for senior life insurance, you can get a free senior term life insurance quote with no obligation to buy. In order to have the a free term life insurance price quote, you fill in the proper information on the webpage of the entire life insurance agency website. You do have to be sure you provide honest answers to all the health questions in order to get the life insurance coverage you will need. So don’t delay, get the best online senior life insurance quote today!

After the company obtains your request for a free of charge term life insurance estimate, then an agent will carefully review the application and email a quote to you based upon the term of the policy and the quantity of the payout upon death. You should not base the offer you obtain on that of a friend or another relative because each specific differs in his/her needs. Because you are searching for low priced term life insurance, you need to ask for free quotes from at least three agencies, luckily you can get up to ten quotes on this website. Obtain your free quote here!!

Term life insurance is merely good for the life of the term (you choose how long). At the final end of the term, the choice is yours to renew the policy, but you might not get it for the same price as you started with. It is because your actual age has certainly changed and your preferences in conditions of a settlement have also been modified. However, you still want to get the best rate possible for low cost term life insurance.

Internet senior citizen term life insurance agency

There is no need to be in perfect health to obtain a free senior citizen term life insurance agency price quote. In fact, you can get low priced life insurance without having a medical exam ever. In the event that you do have life-threatening diseases, you can get a free quote for senior term life insurance but it might not be the exact reduced cost term life insurance you are hoping for. This is because you are in an increased risk category because your likelihood of dying within the term are much greater. If the premiums are just a little higher, you are still going to leave something for your loved ones and to pay for your funeral.

Senior life insurance provides you with a far more affordable chance to ensure you mortgage repayments in the unfortunate event of your death. Though they are offered for a restricted time-period, but you can always match them up with your mortgage repayment cycles of 10 or 20-yr deals. For the budget conscious, this definitely seems to be a smarter solution for a low cost death benefit.

Insurance firms offer cheap term life insurance insurance policies with different agreement time periods, credit through the first five years and transferable waiver of premium.

Best senior citizen term life insurance agency

Affordable choices are available through various internet insurance agency websites. Apart from being truly a cheaper option, term life insurance is a lot better in other aspects when compared to mortgage life insurance coverage. You will discover much customisation possibilities for term life insurance coverage. The proceeds from a term life insurance go directly to the beneficiaries rather than the lender, so the money can be utilised by your dependants as desired which could even be used to pay off other debts. Term life insurance also pays off a fatality advantage. According to NAIC (National Association of Insurance Commissioners), the firms pay almost 90 cents to the dollar in benefits for term life insurance policies. Typically the whole life insurance will be 2-3 times costlier when compared to a senior term life insurance.

Get the best online senior life insurance

Term life supplies the cheapest option to provide a insurance plan for your dependants. It includes allowed individuals under budget-crunch situations to buy plans with larger payout amounts due to the limited term of the coverage. So, when you can renew your term life insurance regularly during your lifetime, you have found an inexpensive alternative to the expensive cost of living.

What To Do When You Retire

What to do when you retire

For many of us, the dream of retiring is getting closer, if we have not already got there. Sadly global governments want us to work longer until we can retire, as they have all grossly mismanaged their respective economies… But that is another story!

The question many people ask, is what shall I do when i retire? For some they dream of lazing on a beach, playing golf, day trips, visiting emigrated children or simply spending time with their own grandkids. For many, the reality is that they don’t have enough money to do much more than lie on the couch and watch tv.

One of the sad facts that face people in retirement is boredom. This leads to other issues such as health problems. Many retirees find the best way to cope with this new found time on their hands is to keep busy.

Now you may ask, what has this got to do with with a blog on Senior Life Insurance? Well the truth is not much. We could say that you need to ensure that you take out senior life insurance and to do this make sure you get plenty of comparison quotes. But that is really up to you.

What we wanted to cover, is that when you are thinking of retirement, or have just retired or taking stock of your life as a retiree, ensure that you keep busy. Do not fall into the cycle of doing nothing. Keep busy, join social activity groups and try to get out and walk.

Many people face into retirement with nothing to look forward to and end up not living long past their retirement age. Don’t let that happen. Get out and enjoy the twilight years. Savour every day and make the most of your friends and families.

Use Senior Life Insurance To Pay For Grandkids Education

Lets face it, as we get older, the thought of taking out life insurance seems to diminish from our thoughts. The mortgage is paid off, the kids have grown up and there is no outstanding debt. But what about the grandkids? Could you use senior life insurance to provide for their education? Of course you can and indeed many people these days are considering this as their legacy. Using Senior Life insurance to pay for grandkids education, is an excellent way of providing for their futures.

Setting up a senior life insurance policy that pays out a sum of money and then specifying that this policy is to benefit your grandkids education is an excellent method of providing a lasting legacy. Your children may have already completed their education and be working and providing for their families. But leaving something for the grandkids to help them make their way in life ensures they have something permanent to remember you by, an education!

It is not as expensive as you may think. Check out the rates from insurers in your vicinity based on your zip code. You maybe surprised at the level of cover you can obtain.

If your health is not as good as it once was, don’t worry, some of these insurers will provide life cover without a medical.

Of course, if you are still in peak physical health, you will benefit from excellent rates. Even if you are a smoker, you can still obtain insurance at competitive rates!

Providing a gift to a family member through the life insurance policy, is an excellent way to ensure your legacy continues and will provide a constant reminder to the beneficiary that you were thinking of them. Of course the benefits can be used to pay for the funeral expenses or any other outstanding debts you may have. The choices and options are endless, just ensure you express your wishes and let them be carried out.

Five Good Reasons To Buy Senior Life Insurance

There are numerous reasons to buy life insurance, but here with have listed five good reasons to buy senior life insurance.

1) Funeral Expenses
Did you know that the average cost of a funeral in America is now between $7,000 – $10,000. Thats right, it is expensive. Of course it can cost a lot more than that depending on the numbers who attend, will there be a wake? type of casket etc. It makes sense to ensure you have the cost of the funeral expenses set aside. Families do not want to have the worry of paying for the funeral on top of coping with the grief of losing a loved one.

2) Pay off Debt
Its a sad fact of life, that even when you die, credit card companies and any other outstanding bill you may have still has to be paid. Companies sadly do not write off these debts and will expect them to be paid. It is possible that you may have credit card insurance, depending on the card and this is worth checking. Having senior life insurance can provide a way of covering these depts.

3) Cost
It is not as expensive as you may first think. By using term life insurance, where you only take the policy for a set period of time (the term), the risk for the insurance company is lower, hence the lower premium. Take the challenge and see for your self.

4) Guaranteed Acceptance
Some companies will provide guaranteed acceptance and hence remove the risk for nay medical exam. However, this will increase the cost of the cover and there will be a limit on the amount of cover you can take out.

5) Education
Many people wish to bequeath something to their children/grandchildren. Was better way than providing a fund to pay for their education. It provides for both a gift and a better future for them.

It is not easy to think about what happens after you have gone and whether you should take out life cover. Hopefully these ideas will help you determine the best way for forward.

Senior Life Insurance For The Price Of A Coffee

Have you ever checked the amount of Life Insurance you can obtain, for the price of a cup of coffee a day? It may surprise you to learn how much you can. Take our challenge and see. Today the average cost of a funeral in America is between $6,000 – $10,000. Check to see how much senior life insurance for the price of a coffee a day!

Simply obtain a senior life insurance quote based on your zip code. Make sure you obtain up-to 10 quotes to compare prices and save up to 60% on the cost of senior life insurance.

Firstly decide which quote provides the best cover, within your budget – it is important to keep the costs to an affordable level. Then complete the simple online application form, ensuring you answer the questions honestly.

Taking out life insurance shouldn’t be a challenge and nowadays life insurance companies are all looking for your business and constantly change their rates to keep competitive. Even if you currently have life cover, there is no reason why you shouldn’t look around for different providers to ensure you are still paying a competitive price.

It is not uncommon for people to find that they can obtain the same level of cover, even though they are now older then when they initially took the life insurance out. New insurers coming to market and insurance companies fighting to be competitive drive the costs down, meaning cheaper and more cost effective cover may be available.

People check their house and auto insurance policies at renewal, but tend to forget that life insurance can also be looked at. Ensure if you do change that you are getting a like for like policy.

We all drink coffee, some more than others. But if you could stop that daily drink of coffee (make it at home…) and provide insurance to cover your funeral expenses, is that something to consider?

Life Insurance For Seniors With No Medical Exam

For many people thinking of retiring or having retired, the thought of life insurance is furthest from their mind. For those that do think about it, the thought of a medical is enough to put them off. Well worry no more, you can get life insurance for seniors with no medical exam.

No Medical Exam

Thats right, no exam. Insurers accept that many people do not want to have medical exams and do not like going to the doctors. To counter act the risk, they simply limit the amount of coverage and you pay a premium for the privilege.

If you are healthy and are happy to take a medical exam, then lower rates will of course be provided for you.

Compare Quotes

Obtain up to 10 quotes based on your zip code. Click the image below and see how much you can save!
The quotes are provided free and there are no telephone call backs.

life insurance for seniors with no medical exam

Guaranteed Issue

Moving into retirement or handling retirement is not always easy. There are many things to consider. As part of this process ensure that you have all your financial dealings straightened out and have made a will. Part of this is ensuring that your final expenses are covered, and there are no surprise bills for your loved ones. The easiest way to handle this is through a life insurance policy. Once you take one out, make sure someone knows the details and where it is kept. This makes making a claim very easy in the event that something happens.

Sadly the cost of passing away has to be paid by someone, by taking out life insurance now. You can provide funds to cover the final expenses and leave some to your loved ones to ease any financial problems that they may experience.

It is not an easy subject to talk about. But by providing the funds you will help those you love deal with the difficult time and ensure they are not burdened with unwanted debt in their time of grief.

Take Out Senior Life Insurance To Cover Any Debt

In the past, retirement meant living a comfortable life. Playing golf, catching up with friends over lunch, or simply soaking up the sun. Sadly this isn’t the case for large numbers of americans living today. Either they are too broke to be able to retire properly or they have the burden of debt hanging around there neck. As times have been hard, many have borrowed to help their children, or have seen hard worked businesses fail. It is possible to take out senior life insurance to cover any debt, with no medical exams in some cases.

What you may not be aware of, is that this debt doesn’t go away in the event of death. It passes to your family. This means that any funds you may have saved up to provide in the event of your passing, go in paying off any outstanding loans. Thus leaving loved ones with little or no inheritance and they may still be burdened with any outstanding depts.

Currently it is estimated that only 60% of Americans have life insurance. People forget that life insurance can be taken out by Seniors and many people sleep a little easier knowing that they are protected in the case of death. Using term cover, life insurance can be arranged to cover those outstanding debts for the period of time until the debt is repaid.

Compare Quotes

There are many companies providing cover. It is possible to save significant amounts on the premiums by obtaining different quotes from different providers.

Save up to 60% by comparing quotes based on your zip code

When taking out life cover, arrange to pay the premiums annually if you can afford to, as this will save you additional money. The life insurance companies have less overheads and hence can reduce the premium to compensate you for paying all the premium up front.

Do not let your families and loved ones suffer financially in the event of your passing. By taking out term life insurance, you can provide protection for them and sleep a little easier in the knowledge of doing so.