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Prices for a $500k term life insurance policy right now 2017

How Much Does $500k Term Life Insurance Really Cost 2017? The fact is the majority of Americans are either uninsured or under-insured when it comes to their life insurance coverage.  Life insurance is not mandatory such as auto insurance is, but if you have a family it is just as important or even more so.  Have you ever thought of what would happen to your loved ones if you suddenly died?  How would they pay the monthly bills?  Would they have enough money to continue living in the same house as you do right now?  How would their life change?  […]

$750k life insurance

Is $750k of Term Life Insurance Expensive? Life insurance rates have come down significantly over the past fifteen years.  The two main reasons; competition- mainly from the internet and technology and also the fact that life expectancies have increased. What does that mean for you?  Today you can purchase a high quality life insurance policy for pennies on the dollar.  Want to see an example? Sample Prices for $750,000 Term Life Insurance Policy Sample premium rates for a female, non-smoker at each companies best rating class for a 10-year term:   Conclusion With advances in technology, particularly the internet, life […]

$200k of Life Insurance costs

 How Much is $200k of Term Life Insurance? Can you afford a high quality life insurance policy to protect your family?  Well if you spare about $.50 a day then the answer is YES.  One of the reasons why so many Americans do not have life insurance or not enough life insurance is because of the notion it costs too much.  Many families are struggling just to get by in this economy and spending additional money on life insurance isn’t in the budget.  However, these are the families that need life insurance most.  If the head of the household were […]

$300k of Life Affordable

Is $300k of Term Life Affordable? Many people assume to secure a $300,000 life insurance policy to protect one’s family will be expensive.  The reality is life insurance; in particular term life insurance is unbelievably affordable today.  Actually, as you will see below, a healthy 42-year old male can lock in a $300,000 policy for the next 20-years for less than $1 a day.  That is truly leveraging money to your advantage! Here are sample premiums for $300k on a 20-year term   Verdict After reviewing the rates for $300k, everyone who is eligible should have a life insurance policy […]

$100k Life Insurance Policy

Is $100k Life Insurance Enough? This coverage amount of $100k level term life insurance is an excellent policy choice for many people.  As I stated in my previous article, How Much Life Insurance Should You Really Have, most financial advisors recommend you carry at least 7 to 20 times your annual income in life insurance to adequately protect your family.  However, for those who have children that are older and are no longer dependent upon them, a $100k policy may be a perfect amount. How Much Does A $100k Term Life Insurance Policy Cost? Sample premiums for a 20-year level  […]

$250k of Term Life Insurance Cost?

How Much Does $250k of Term Life Insurance Cost? Life insurance ownership in America is all-time lows and one the main culprits why people do NOT have life insurance-they believe it costs too much.  This is a huge misconception, if fact due to advancements in modern medicine and an increasing life expectancy, rates have never been lower! Let’s take a look at how much a $250k term life insurance policy would cost you today.     Wrap Up As you can see above, whether you are in excellent health or of average health, life insurance rates are VERY affordable right now.  […]

$50,000 ($50k) Life Insurance

$50,000 ($50k) Life Insurance I’ve been receiving a lot of requests recently for a $50,000 term life insurance policy. Today, I want to address some misconceptions and problems with choosing this amount of coverage and recommend a better idea. When I ask a potential client “how much life insurance are you looking for,” I often hear “$50k.” Seems like a good amount, right? This will take care of final expenses, which are approximately $7k to $20k, pay off some bills and leave a little money for the kids or grand-kids. However, due to life insurance price bands and your needs, […]

State Farm vs Farmers vs Banner Life vs AIG vs MetLife 2013

How Does State Farm & Farmers Insurance Group Compare? If you watched TV recently you’ve probably seen a Farmers or State Farm insurance commercial.  You know the ones, Farmers has the jingle, “We are Farmers! Bum ba-dum bum bum bum bum” and State Farm “Like a good neighbor, State Farm is there.”  These ads are catchy and hard to miss but how do their rates actually stack up to the competition? Farmers Life and State Farm Are Often Really Expensive From my experience, Farmers Insurance Group and State Farm are usually not too competitive with their life insurance rates and […]

$3 million life insurance, $3,000,000 life insurance

Sample Term Life Insurance Quotes To calculate your own quote for $3,00,000 or for a different amount, please visit the instant quote engine on this site. Male-Age 30 $3,00,000 Coverage Guaranteed Rate for 30 Years $168 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 30 $3,00,000 Coverage Guaranteed Rate for 30 Years $128 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 40 $3,00,000 Coverage Guaranteed Rate for 20 Years $154 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 40     $3,00,000 Coverage Guaranteed Rate for 20 Years $131 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 50 $3,00,000 Coverage Guaranteed Rate for 15 Years $334 Month-North American Non-Tobacco User-Preferred […]

$800,000 life insurance sample quotes

Sample Term Life Insurance Quotes To calculate your own quote for $800,000 or for a different amount, please visit the instant quote engine on this site. Male-Age 30 $800,000 Coverage Guaranteed Rate for 30 Years $22 Month-Banner Life Non-Tobacco User-Preferred Plus Rate Female-Age 30 $800,000 Coverage Guaranteed Rate for 30 Years $18 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 40 $800,000 Coverage Guaranteed Rate for 20 Years $46 Month-SBLI Non-Tobacco User-Preferred Plus Rate Female-Age 40     $800,000 Coverage Guaranteed Rate for 20 Years $40 Month-SBLI Non-Tobacco User-Preferred Plus Rate Male-Age 50 $800,000 Coverage Guaranteed Rate for 15 Years $95 Month-North American Non-Tobacco […]

$20, $30, $40, $50 to $100 million life insurance

 How To Get A Large Life Insurance Policy Approved $20 Million To $100 Million Attaining an approval from the insurance company on a large face amount life insurance policy should not be something left to chance.  Unfortunately, it usually is when clients work with an inexperienced agent not familiar with the nuances of large risk underwriting.  Each large life insurance policy has its own set distinct characteristics and should be handled with care.  Most agents who are not experienced with large policies tend to be overzealous and rush through the process in hoping not to lose the “big” sale.  Typically […]

$6000,000 Life Insurance Policy Rates

With nearly a thousand life insurance carriers competing for your business, choosing the best one can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not want to buy a policy at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type of policy you need is very important.  Far too often […]

$750,000 life insurance policy

Find the lowest rates on a $750,000 life insurance policy With over 900 + life insurance companies in the market competing for your business, choosing the best policy can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not do anything at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type […]

300,000 term life insurance policy

$300,000 Term Life Insurance Policy A $300,000 term life insurance policy lasts for a specific amount of time, a term.  The term period for most companies range from 10, 15, 20, and 30 years.   There is no penalty for cancelling the policy early.   When the term does come to the end you have the option of just letting the policy expire or you can renew the policy annually.  Most people will opt to purchase a new policy at this point if they still need insurance as it will typically be cheaper, unless one has developed a significant health condition. Another […]

$10,000,000, $10 million life insurance quotes policy

Recently I’ve been receiving more and more inquires for larger policies, specifically for a $10 million policy.  While this sounds like and is a lot of money, for many this is the policy that is needed to protect their estate or business.  Is getting a $10 million policy difficult to obtain? As with any type of insurance, the more risk the insurance company is exposed to the more prudence the companies will show in regards to underwriting.  The good news is, if the coverage amount can be justified to the underwriter than getting approved for the $10 million policy can […]

5 million dollar ($5,000,000) life insurance policy

5 million dollar life insurance policy rates Life insurance prices for 5 million dollars ($5,000,000) can range in cost significantly from company to company.  Choosing the right company for your situations can end of saving you a fortune! Get the lowest rates in America, period:  Click here and see instantly Sample premiums for a term life insurance: A 45 year old male, $5,000,000 10-year level term policy, preferred plus rating $205.32 month- preferred rating class $283.62 month with an A+ rated company. A 45 year old male, $5,000,000 15-year level term policy, preferred plus rating class $305.37 month- preferred rating […]

How much does $1.5 million ($1,500,000) of life insurance cost?

How much does $1.5 million ($1,500,000) of life insurance cost? I was working with a client recently who needed life insurance to protect his family.  After we went over some basic health questions, we did an in-depth needs analysis and determined he should have $1.5 million–$1,500,000 of life insurance in place to protect his family. He was 45 years old, married with two children, and had a good job and a mortgage.  He wanted to a policy that wasn’t going to be a strain on his monthly expenses. So after we instantly shopped the top companies in the country, we found […]

Post image for How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost?

How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost? It might be difficult to know how much one should pay for life insurance coverage. Nonetheless it is something that you need, because you never know when you will pass away. The sooner you get life insurance the better it will be for you and your family. Protect them from the pain of leaving them with nothing. When you calculate the amount of life insurance you need you should think about immediate and short term needs as well as long term needs. What would fall into the current term […]

Post image for $250,000 Term Life Insurance Policy

$250,000 Term Life Insurance   Term life insurance is considered the most economical type of life insurance coverage.  A person purchases a policy and enters into a contact with the insurance company to insure him or her for a specific period of time and the premiums remain the same for the contract. When the coverage reaches the end of the term, the policyholder can enter into a new contract with the insurance company or allow the policy to lapse.  Many policies will automatically renew with an large increase in policy premiums but you remain covered.   However, the older a person […]

Post image for $500,000 Term Life Insurance Policy

$500,000 Term Life Insurance Term life insurance is a financial security product that pays out funds in a lump sum upon death of the insured. Despite the importance of term life insurance, amazingly few of us have a term life insurance policy in place.  It is even more surprising when you consider $500,000 of term life can be had for as low as $15 month! Why Do You Need Life Insurance? For folks with a home loan and a family to support, not having a life insurance policy subjects your family to unnecessary risk. This danger becomes apparent when you […]