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Archive for July, 2009

Pros And Cons Of No Health Life Insurance

Jul 18

Posted by author in Cheap Life insurance, cheap no exam life insurance | Comments off

What are the Pros and Cons of no health exam life insurance?

Arthur

Corpus Christi Texas

 

If your lifestyle entails you to juggle more than one job in a day, a no health exam life insurance maybe practical for you. But before laying down your final conclusion, determining the pros and cons will better aid you.

PROS

Quick, Fast, Easy. Many life insurance companies process your application faster than the medically underwritten life insurance. Plus, it assures you of lesser time to get policy ensured.

Simple. A health status questionnaire is to be filled out which will ask questions about your medical condition and history. No further medical exam is required.

This policy is fit for people with hazardous or dangerous lifestyle

Suited for individuals who get constantly rejected coverage due to poor health condition

It is beneficial for busy people

It is less invasive. Since it is a no medical exam policy, no painful needles are required.

A good option to supplement a prevalent life insurance that an individual already has

CONS

Minimum Coverage. People who apply for this type of insurance are applying for smaller amounts of coverage. If you decide to get more coverage from your policy, it is usually steep.

Probability of cancellation. When the applicant disregards any information from the questionnaire pertaining to his/her health, the company has the option to cancel the application.

Places the insured at a higher risk. A no health exam life insurance will obtain no further medical assessment to the insured during application. Therefore, the insurance provider would not be able to determine any underlying disorder or risk factors which may place the insured at higher and even more dangerous grounds for his health. The coverage may not be enough to conceal any unexpected circumstance in the future.

Not everyone is eligible for the coverage. Convenient as it is to some, however, no health exam life insurance has its own restrictions. People over the age of 50 with particular occupations and detrimental lifestyles cannot apply for this coverage.

Universal Life Insurance Plan

Jul 15

Posted by author in Cheap Life insurance | Comments off

What does universal life insurance plan offer?

Paul

Corpus Christi TX

 

Whenever you are met with a crossroad in your life regarding life insurance, you are led into two different pathways: term life insurance and whole life insurance. However, before inquiring and weighing which among the given choices have better quotes, coverage or policies, let’s take into consideration another road of life insurance, and you will be flabbergasted with its perfect mix of both term and whole life insurance.

When you consider applying for universal life insurance plan, you may find yourself surprised with the advantages it contains. For one, the policy provides a formidable and permanent protection as compared to term life insurance. Two, this policy accounts for cash value that are low at risk. In addition, the cash value is tax-deferred – meaning, you do not have to pay taxes for the cash your policy accrues. Furthermore, you policy’s cash value can also earn interest with market rates. Three, you are given the option of withdrawing or borrowing from the aforementioned policy, an advantage similar to that of a whole life insurance policy. And lastly, it offers both face amount and premium flexibilities.

Despite the flexibility a universal life insurance plan offers, it will not provide the same exact flexibility to grow your money around or invest it into another separate accounts. It does not guarantee that the said policy will earn cash value, nor will be in effect when the time comes that you will be using it if adequate premiums have not been paid.

People are sometimes misled in applying for universal life insurance plan due to the fact that it is commercially wrapped with the combined benefits seen in either term or whole life insurance policies. But, before applying for one, make sure that you have meticulously scrutinized and explored all loop holes that every single life insurance offers.

Life Insurance Smoking Policy Corpus Christi

Jul 14

Posted by author in Cheap Life insurance, Smokers Life Insurance in Corpus Christi | Comments off

Can I still qualify for a life insurance even if I smoke? I live in Corpus Christi.

Michael

Corpus Christi Texas

 

Depending on present health condition and lifestyle, almost anyone can be classified to any types of life insurance. An individual’s general health status is evaluated through a medical examination initiated by the life insurance company. Insurers may also try to gather pertinent information regarding your current lifestyle or habits. Premium classification is then classified based on the results of medical examination and lifestyle investigation.

During the application process, one of the major issues that most insurers want to obtain from you is whether you smoke or not. Smoking has a big influence on life insurance premium rates. Statistically, smoking is one of the biggest factors of mortality, hence it is considered as a major risk to insurers. As a result, smokers pay up to three times the life insurance cost of non-smokers. There are some insurers who may require you to quit smoking for at least a year before you apply for a life insurance. Others may prefer not to grant you a policy if you have been smoking for quite a long period of time.

It is in this reason that smokers generally find it hard and more expensive to obtain coverage than those who do not smoke. As difficult as it seems to be but it is still possible for these individuals to get coverage through a life insurance smoking policy. You just have to spend enough time in looking for such policy.

The quickest and most convenient way to obtain for a life insurance smoking policy is to use the Internet By going online, not only that you are able to access through a wide-range of information about life insurance for smokers but you can also look for insurance companies specializing on life insurance smoking policies and buy coverage from them. There are a lot of online insurance sites that provides free insurance quotes. All you need to do is enter some basic personal information and answer a few general health questions. By choosing to go online, you can have access to a large database of life insurance companies that deal with smokers and get coverage at the very same day of you apply for it.

Childrens Life Insurance Texas

Jul 8

Posted by author in Child Life Insurance in Corpus Christi | Comments off

I have been trying to convince my wife to purchase our children’s life insurance for a year now after the death of our middle child. But every time I bring the topic, she would avoid the issue and says she is uncomfortable of the idea. How can I persuade her of getting our children’s life insurance?

Lyndon

Corpus Christi Texas

 

Hi Lyndon. I’m sorry to hear about your loss. Just like your wife, not many people consider getting children’s life insurance because they think it’s a sensitive issue, may cause misfortune or just improper. But in reality, accidents or illness do happen and children also experience untimely death. You may try to convince your wife in buying your children’s life insurance by explaining the reasons why it’s going to be a wise move.
First of all, life insurance premiums are much cheaper for children. You can maintain the policy with the same low premiums after they mature. If you’ll buy whole life insurance for your children, the policy will gain cash value over time. They will gain savings in the future. Your children’s life insurance coverage is guaranteed for the long-term. By insuring your children now, allows them to remain insured even for future illness. Another reason is that a life insurance policy can be utilized to provide supplementary retirement income for your children.

On a sensitive yet practical note, if a tragedy happens, having your children’s life insurance would cover for funeral costs and some policy would also allow you to take time off from work and mourn. If your child passed away due to a severe illness, insuring your children protects your family from enormous medical bills.

There are different kinds of policies and plans that are available. Try to look at all the choices and choose what makes the most sense for your family and what would best suit your situation and finances.

Cheap Term Life Insurance Quotes Online

Jul 1

Posted by author in Cheap Life insurance, Compare Life Insurance rates, Term Life Insurance | Comments off

How can I save money on my term life insurance policy?

Sophia

Corpus Christi TX

 

The best way to look for cheap term life insurance quotes is to shop around. There is a wide variety of insurance providers that you can choose from that offers cheap term life insurance quotes. Each company varies greatly with their term life insurance prices. By shopping and comparing around their quotes, you will be able to find the best coverage deal for you.

Term life insurance quotes are widely available on the internet. Gone are those days of going through the lengthy process of phoning life insurance companies to get quotes. Going online helps you compare quickly term life insurance rates from different top insurance companies. You’ll only need to fill up an online application form and provide them with some personal and health information. Once submitted, you can instantly receive quotes within five to ten minutes.

However, before you begin your online search, Here are a few effective tips that may help you ensure getting cheap term life insurance quotes:

  • Your insurer may lower down your term life insurance premium if you change your unhealthy lifestyle such as lowering down your cholesterol, losing weight or if you have quit smoking. In doing so, you will be perceived by most insurance companies as reduced risk thus increasing your chance for obtaining cheap term life insurance quotes.
  • You may be able to get a discount if you will pay your premiums with automatic debit. Your Automatic payments result to lesser administrative costs for the insurance carrier thus savings are being passed to you in the form of discounts.
  • Several insurance companies can provide you effective saving rates if your coverage falls in any of the following amounts: $250,000, $500,000 or $1 million. So it would be better if you round off your coverage to the stated coverage points to help you save money.

Remember; do not limit yourself to the first few quotes. Insurance industry is such a huge market and competition is stiff so if you want to have a wise and educated choice, conduct a thorough research before purchasing your life insurance. Make sure to check out as many companies as possible to ensure the most affordable term life insurance rate.