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500 000 life insurance no exam

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500 000 life insurance no exam

There are many life insurance companies that offer $500,000 life insurance policies without a need for a medical exam. The price will depend on your overall health and lifestyle. There are typically 3 categories that you will fall into. These are preferred, standard, and rated. I will include rates for all 3 and more in the above quoter so you can get an idea of what the price differences are. I will also include information about an express option where the underwriting and qualification is extremely easy and fast (72 hours avg turnaround time).

The last thing to note about $500,000 life insurance no exam policies is that some offer what’s called living benefits. These are also referred to as “accelerated death benefit rider” or “critical illness rider” which basically means if God forbid you’re diagnosed with cancer, HIV, have a heart attack, stroke, etc then you can request a portion of your life insurance benefit to be cashed out. You will receive a percentage of the $500,000 depending on the severity of your illness. For instance, say you are diagnosed with stage 1 cancer and require 6-12 months of radiation, chemotherapy treatments, etc. You will be out of work most likely. Well if you have living benefits with your life insurance policy, then they will most likely give you 25% of the $500,000 which would be a $125,000 check. You can use this to pay your mortgage/rent, car payments, food, pay bills, travel to hospital, see specialists, etc. Life insurance companies want you to focus on your health so that you can beat the cancer or whatever ailment you’re going through! Why? Well because it’s economics. They rather pay $125,000 and you live and continue making your monthly life insurance payments than die and they fork out $500,000! Therefore, I am including rates for policies that have this feature called living benefits and others that don’t.

$500,000 Life insurance policies with no exam are typically sought after by families with a mortgage and/or where the partners depend on each other’s income to maintain their livelihood. We need to show the life insurance companies that offer no exam programs what’s called “insurable interest”.

Insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence, without repairment or damage, of the insured object (or in the case of a person, their continued survival). A person has an insurable interest in something when loss of or damage to that thing would cause the person to suffer a financial or other kind of loss. Normally, insurable interest is established by ownership, possession, or direct relationship. For example, people have insurable interests in their own homes and vehicles, but not in their neighbors’ homes and vehicles, and almost certainly not those of strangers.” (

Wikipedia has a simple description explaining what insurable interest is:

If you’re married it’s easy to show insurable interest for $500,000 life insurance no exam policies. However, if you’re not married, there is still hope. We wrote about this in another article “life insurance for unmarried couples”. Most no exam policies for life insurance are taken out as security vehicles to protect against a sudden loss of income. This is one of the most common justifications for life insurance called “income replacement”. Let’s delve a bit further to insure you get approved ASAP for your $500,000 no exam life insurance policy.

The U.S. Bureau of Labor Statistics has released its data using the fourth quarter of 2018. They concluded that the average weekly income for a full-time employee in the U.S.A. is around $900 per week. This averages out to $46,500 annually per individual. We typically use 10 years as a mark for income replacement for life insurance no exam policies. (Fiorillo 2019)

$46,500 x 10 = $465,000. Therefore, with inflation taken into account a $500,000 life insurance policy tends to fit the bill for the average American family.

Mortgage Protection: The average home purchase price in the U.S.A. is $235,000. The average mortgage monthly rate is $1030. First-time home buyers average purchase price was a bit lower at around $182,500. This is average of course. Obviously, the area matters tremendously. For instance, in San Diego the average home price was $586,000 while in Omaha, Nebraska it was $156,600. (Pritchard 2019)

Therefore, a $500,000 life insurance no exam policy is perfect for those closing on a home soon or have just purchased one! The half a million dollar policy will cover the mortgage, other debt such a vehicles, income replacement, and funeral expenses.

Vehicle debt: According to Kelley Blue Book the average price of vehicles has gone over $36,000 for the first time as has set a new high. The rising interest rates don’t help borrowers also. The credit is getting easier to approve as it’s being coupled with longer borrowing contract lengths. The average monthly price has ballooned to $551 per month. This is another item/debt to include when calculating insurable interest on your $500,000 life insurance no exam policy. (Bomey 2019)

Student loan debt: Do you need a $500,000 no exam life insurance policy to not only cover income replacement, mortgage, vehicle, but also any student loan debt you may have co-signed on? This has become a national phenomenon and it’s only getting worse. From the years 1999-2000 to 2015-2016 the debt for graduates has almost doubled at each level. For example, the average loan balance for those who completed a medical doctorate went from $124,700 to $$246,000 or a 97% increase in just 15 years! Ph.D’s outside of education went from $48,000 to $98,800 which is a 104% increase!

Percentage of graduate school completer’s with student loans %  20 %  40 %  60 % 80 % 100
Post Baccalaurette Certificate                   55    
Master’s     60    
Doctor’s Research   48      
Doctor’s Professional       75  

( )

Some more student loan data:

Dentists: 80% of dental school graduates have more than $100,000 in debt. In fact, the average amount for indebted dental school graduates was $285,184 in 2018. 40% of indebted graduates actually owed more than $300,000! So even if you have no mortgage yet but co-signed on some student loans, you can justify the $500,000 amount on your no exam life insurance policy. (

Standard Rates: This is by far the most common rate given to people applying for life insurance without a paramedical exam. Since life insurance companies are taking on more risk by not ordering a medical exam, the rates are typically higher than if you were to take a medical exam. However, this goes both ways. Some people think they are healthy, then take a medical exam, and the life insurance companies rate them worse than standard and inform them of bad news such as; that their cholesterol is too high (maybe they’ve been eating a lot of fast food lately), sugar is borderline diabetes type 2 (too many sweets), or liver enzymes are elevated (maybe drinking too much wine/beer), etc. So they were better off going with a no exam life insurance policy in the first place as standard rates are reasonable and average.

$500,000 life insurance no exam rates no living benefits by age (nearest birthday) 

10-year term rates for males non-tobacco and tobacco

Male Non-Tobacco Male Tobacco
18 $24.30 $49.16
19 $24.85 $49.16
20 $25.39 $49.16
21 $25.94 $49.16
22 $26.48 $49.16
23 $27.03 $49.16
24 $27.57 $49.16
25 $28.12 $49.16
26 $28.16 $49.16
27 $28.20 $49.16
28 $28.25 $49.16
29 $28.29 $49.16
30 $28.33 $49.16
31 $28.38 $51.77
32 $28.42 $55.25
33 $28.46 $59.16
34 $28.50 $63.95
35 $28.55 $68.73
36 $29.72 $73.08
37 $30.15 $77.87
38 $31.57 $82.65
39 $33.98 $88.74
40 $36.89 $96.57
41 $42.75 $105.71
42 $47.28 $115.28
43 $53.97 $126.59
44 $61.69 $139.64
45 $65.25 $154.86
46 $72.71 $170.96
47 $79.17 $187.92
48 $86.13 $207.50
49 $93.09 $230.99
50 $100.05 $260.13

10-year term rates for females tobacco and non tobacco

Female Non-Tobacco Female Tobacco
18 $21.15 $29.15
19 $21.51 $29.15
20 $21.86 $29.15
21 $22.22 $29.15
22 $22.57 $29.15
23 $22.93 $29.15
24 $23.28 $29.15
25 $23.64 $29.15
26 $23.71 $30.02
27 $23.79 $30.89
28 $23.86 $32.63
29 $23.93 $34.30
30 $24.01 $36.54
31 $24.08 $39.59
32 $24.16 $42.63
33 $24.23 $46.55
34 $24.30 $50.46
35 $24.38 $54.81
36 $26.20 $59.16
37 $27.95 $63.51
38 $30.02 $68.73
39 $32.45 $73.95
40 $35.36 $80.48
41 $40.34 $87.44
42 $44.42 $95.27
43 $48.58 $103.97
44 $53.00 $113.54
45 $57.83 $124.41
46 $57.86 $136.16
47 $63.08 $148.77
48 $65.58 $162.69
49 $70.74 $178.79
50 $77.87 $197.93

The above are sample rates for no medical exam $500,000 life insurance policies at standard rates for males and females. (all prices subject to underwriting, use quoter above or call us for more accurate pricing based on your health)

500 000 life insurance no exam

Express Options: There are a few companies that do not order an APS (attending physician statement) which speeds up the approval time frame. If you are in a rush to get peace of mind and need life insurance ASAP then ask your agent for this route.


Life Insurance for Unmarried Couples

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Phone: (480) 795-2009 call or text Roland Rodriguez


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Life Insurance for Unmarried Couples

So, like me, I assume you’re one of the over 51 million households in the US that are headed by unmarried couples? If you don’t live together there’s still hope-read on. First off, I’m happy you’re financially responsible & savvy enough to be thinking about this! Life insurance is meant to protect your loved ones from being in financial distress after if you pass away. Your loved ones are certainly not limited to your parents, siblings, children, or marriage partner. However, when it comes to all the legal mumbo jumbo that is written in life insurance contracts….we need to understand where your rights are defined as an unmarried couple.

The first thing to understand about a life insurance contract and how it works is by understanding some basic yet key terminology. Then we can grasp how it’s possible to obtain life insurance for unmarried couples.

Basic Principles about a Life Insurance Contract

  1. Named Insured: This is the person who is insured by the life insurance company.
  • Beneficiary: This is the person who will receive the death benefit if the named insured passes away. There can be more than one beneficiary for each type [ Primary or Secondary Beneficiary]. Also, there does not need to be more than one beneficiary unless the you want there to be. However, since this is an article about life insurance for unmarried couples…I’ll focus on the task at hand.

Primary Beneficiary: The life insurance check goes firstly to the (you guessed it) the Primary Beneficiary. Typically, unmarried couples will both list each other as the Primary Beneficiary.

Secondary Beneficiary: This person will receive the life insurance check if both the named insured and the Primary Beneficiary both pass way. This can be children (typically need to be 18 or older), a trust, or whoever the caretaker of the children would be if both parties pass way.

  • Insurable Interest: Will you suffer financially if your partner passes away? I assume so, otherwise why would you be looking for life insurance on your significant other.
  • Death Benefit or Face Value: This is the total amount of life insurance. Term life insurance policies for unmarried couples will typically start at $50,000 and can go up to $3 million with relative ease. Anything over $3 million typically requires a ton of more work (financial statements, EKG’s, MRI’s, etc).
  • Term or Length of Life Insurance Contract: The two most common types of life insurance contracts are term and whole life insurance. Term life insurance expires at the end of its term (hence the name). The typically term options are 10, 15, 20, 25, and 30 year term contracts. Whole life insurance policies go up to age 100 or higher. The whole life insurance policies typically do not have an expiration date but are substantially higher priced.

True Story:  I’ve personally insured many unmarried couples, so I know that it’s not only possible, but common. I’m 35 years old and have never been married before. I do have an 8 year old daughter who I absolutely adore, named Amora (Amor means Love in Spanish and we added an A to make it sound more feminine). The first time I got life insurance was when my new family was in the hospital’s waiting room, the day she was born. I never really thought about life insurance before that. Funny how holding your baby completely changes your mindset! I started thinking of everything bad that can happen on the drive home…what if a drunk driver hits me and I die? What if some lunatic randomly shoots his gun and I get shot in the head and die. What if I have a heart attack-I’ve been eating a lot of fast food lately and been under a lot of stress with no sleep, and on and on until I called life insurance company I found on Google. They offered instant no medical exam life insurance (ask your agent about this). After about half an hour, he gave me the relief I needed from my self-imposed panic attack-I was covered for $500,000!!! I asked the agent “so just to clarify and verify if I pass away right now-my “wife” or significant other (I might have even used domestic partner as that’s what she did at work for health insurance purposes) will receive $500,000, is that correct?” The agent said “Yes” and so I proceeded to thank him, requested the policy via email, and then went home finally. Whew! I was insured. I hope to make your process of shopping for life insurance that easy, easier, and/or more enjoyable!

Now that you understand the basics of a life insurance contract. Let’s get down to the nitty gritty of obtaining a life insurance policy/contract on your significant other!

Step by Step Guide

  1. Insurable Interest: To obtain a life insurance policy on your significant other we need to prove insurable interest. Will they suffer financially from your death? If so, how will it cause you economic distress. For instance, in my case, it as easy as I was the primary breadwinner of the household. Therefore, if I died, she would be left with literally nothing…but debt (including my funeral!). We lived together so it was easy to “prove” insurable interest. We actually didn’t need to prove anything with documents. Some life insurance companies require you both to be on a written “lease agreement” or to be on a mortgage as co-mortgagers. However, not all of them do. Also, some life insurance companies have on the drop-down menu (when defining the primary beneficiary relationship) “significant other”, “fiancé”, “life partner”, and few other awesome descriptions! I even once put down on one of my client’s applications, “soul mate” since they didn’t have an awesome description and they were not engaged..we made our own awesome description and proceeded to insure them both 😊 We just laid down the proper foundation so the underwriters had no questions or issue with it. Our experienced agents will help guide you in selecting a “unmarried couple friendly” life insurance company! There are many so don’t despair! You’ve come to the right place 😊

Legal detective stuff: Sometimes, albeit rarely, even the “unmarried couple friendly” life insurance companies require some sort of proof. Here are common verification methods that have worked in the past:

Utility Bill: If you two live together but only one is on the lease. This is pretty easy to obtain in the majority of cases. However, if for some reason you can’t obtain this or you have a “utilities included” rental agreement… then you can use the some of the other “legal” documents.

Cell phone/Cable/Internet bill: Whether you have a prepaid plan or whatever. The monthly statement will have the names and address on it.

Bank Statement: Do you two have a joint bank account somewhere? This also has the names and address which has been sufficient in the past for me to insure unmarried couples.

Auto loan or lease: Are you co-signors on an auto lease or loan? If so, then this shows insurable interest for at least the amount of the loan! Also it should have the name of both “parties” you and your significant other.

Any other debt or contract together: Did you two sign-up for financing or some contract together elsewhere? The most common types I’ve seen are at furniture stores, home depot, credit card, motorcycle and/or boat loans, business loans, registering a business together, etc.

Auto/Motorcycle/Boat Insurance Policies: Are you two on the same auto insurance policy? The declaration’s page (you can ask you insurance company for it if you don’t have it) is an official insurance document that typically is one of the first three pages of the actual insurance contract. It states the named insured(s) and will also have the address.

As you can see there are many ways to prove that you two live together if you both aren’t on the lease or mortgage contract. If you don’t live with one another, you can still have some insurable interest if you have debt together. The other common justification is children. Do you two have children together?

Death Benefit Amount: $50,000-$3,000,000 is most common range for unmarried couples. The amount needs to be legally justified as well. This shows insurable interest. Let me show you what I mean.

Unmarried couples without children: The death benefit will be generally be calculated by assets, debts, and “income replacement”. The income replacement typically is what guides this amount. Does your significant other make $50,000 annual income? Then we use this as a starting block and use it as a “multiple”. The higher the amount the more insurable interest a life insurance company needs.

Unmarried couples with children under age 18: As a starting point you would multiply your significant other’s annual salary by however long it takes for your youngest to reach the age of 18.

                Example: Your significant other’s annual salary is $50,000 and you have 3 kids with the youngest being 2 years old. That means you have 16 years left until your youngest is 18 years old. Therefore, you would multiple $50,000 by 16 which equals $800,000. This is a good starting point on how much life insurance coverage you might need. Every situation is different so talk to your agent to iron out the details.

Unmarried couples expecting: You would use the same calculation as unmarried couples with children. Your baby is 0 years old so you would multiply your significant other’s annual income by 18. So if they make $50,000 that would be $50,000 x 18 = $900,000 as a good starting point. Again your agent will iron out the details during the consultation.

Term length: This really depends on many factors. We typically want insurance for as long as we think we need it. Will you be financially set in 10, 15, 20, 25, or 30 years? How long until you can self-insure with assets and net worth and no longer need life insurance? If unsure, talk to your agent. This is the easy part of the whole process. Some insurance is better than none! Also, remember that you can always get more life insurance in the future. However, it’s typically recommended to get life insurance while you’re young and healthy. Life insurance premiums go up each year as you age so keep that in mind. Also, who knows you might develop diabetes, high blood pressure, sleep apnea, or some other medical ailment which will increase your life insurance premiums. Although there are “niche” life insurance carriers for each situation really.

Formula for getting life insurance for unmarried couples

Prove Insurable Interest > Determine Death Benefit > Choose Term > Choose Insurance Carrier/Company

I hope the above helps on your journey to protect yourself! If you have any questions whatsoever, please email us and one of our agents will be happy to assist.


Term Life Insurance for Seniors


Term Life Insurance for Seniors



Schedule an appointment with the author, a life insurance agent, here:, Or you can call/text directly at: 480-295-2009, email:

Term Life Insurance for Seniors


There аrе different tуреѕ оf іnѕurаnсе аvаіlаblе thаt соuld ассоmmоdаtе аnу nееd. Out оf thеѕе іnѕurаnсеѕ, tеrm lіfе іnѕurаnсе іѕ thе ѕіmрlеѕt аnd thе most іnеxреnѕіvе tо gеt. Thіѕ tуре оf іnѕurаnсе іѕ іdеаl fоr thоѕе реорlе who nееd іnѕurаnсе іn just a ѕhоrt реrіоd оf tіmе. Yоu саn рау thе mіnіmum рrеmіum оf соvеrаgе every mоnth, ԛuаrtеrlу, ѕеmі-аnnuаl, оr аnnuаl basis. It соvеrѕ thе nееdѕ wіthоut hаvіng tо gо thrоugh аnу mеdісаl еxаmіnаtіоnѕ whісh dеtеrmіnе hоw lоng thеу аrе gоіng tо lіvе. You саn tаkе аdvаntаgе оf thіѕ іnеxреnѕіvе оffеr іnсludіng еvеn thоѕе whо аrе іll.


Fеаturеѕ оf thе Tеrm Lіfе Inѕurаnсе fоr ѕеnіоrѕ

Thе nееdѕ for lіfе іnѕurаnсе vаrу wіth thе аgе аnd rеѕроnѕіbіlіtіеѕ оf аn іndіvіduаl. Hоwеvеr, рurсhаѕіng іnѕurаnсе is аn іmроrtаnt fіnаnсіаl dесіѕіоn. Inѕurаnсе іѕ оftеn рurсhаѕеd tо rерlасе the іnсоmе thаt wоuld otherwise bе lоѕt wіth thе dеаth оf thе breadwinner. Yоu wаnt tо еnѕurе уоur lоvеd оnеѕ do nоt іnсur significant dеbtѕ whеn you dіе. Thе rіght роlісу wіll аllоw thе dереndеntѕ tо kеер thе аѕѕеtѕ whіlе рауіng оutѕtаndіng tаxеѕ оr bіllѕ. Pоlісіеѕ аrе dіffеrеnt. Some соvеr a ѕресіfіс numbеr оf уеаrѕ whіlе оthеrѕ соvеr thе lіfеtіmе оf thе роlісуhоldеr. Thеrеfоrе, іf уоu are a ѕеnіоr citizen whо wаntѕ tо dеrіvе mаxіmum bеnеfіtѕ frоm a роlісу, уоu саn рurсhаѕе thе tеrm lіfе іnѕurаnсе fоr ѕеnіоrѕ. Thе fеаturеѕ оf thіѕ tуре оf роlісу іnсludе:


  • Attrасtѕ lоwеr рrеmіumѕ

Whеn compared wіth thе whоlе life оr реrmаnеnt іnѕurаnсе, thе tеrm іnѕurаnсе аttrасtѕ lоwеr рrеmіumѕ, раrtісulаrlу іn thе еаrlу уеаrѕ. Thеrеfоrе, іf уоu hаvе a lіmіtеd budgеt уоu саn аlwауѕ соnѕіdеr рurсhаѕіng thе tеrm роlісу. Thіѕ tуре оf роlісу оffеrѕ lаrgе insurance protection fоr thе рrеmіum dоllаr. Hоwеvеr, thе term роlісу dоеѕ nоt buіld up аnу саѕh vаluеѕ thаt саn bе uѕеd іn thе future. Thеrеfоrе, уоu mау consider combining thе whоlе lіfе роlісу wіth thе tеrm роlісу аt thе роіnt оf уоur grеаtеѕt nееd tо rерlасе lоѕt іnсоmе.


  • Cоvеrѕ a ѕресіfіс tіmе period

Thе tеrm роlісу соvеrѕ thе роlісуhоldеr over a tеrm оftеn rаngіng frоm оnе tо thіrtу years. Thіѕ gіvеѕ уоu аn орроrtunіtу tо dеtеrmіnе hоw lоng уоu wаnt tо bе соmmіttеd to thе соntrасt. Thеrеfоrе, if уоu have a need that lаѕtѕ fоr 30 уеаrѕ, ѕuсh аѕ a mоrtgаgе that іѕ рауаblе оvеr a реrіоd оf 30 уеаrѕ, уоu саn соnѕіdеr рurсhаѕіng a 30-уеаr tеrm роlісу. Thіѕ еnѕurеѕ thе mоrtgаgе іѕ раіd оff whеn the роlісу mаturеѕ. It mаkеѕ sure уоur lоvеd оnеѕ аrе nоt lеft hоmеlеѕѕ whеn уоu аrе nо mоrе.


  • Pауѕ оff dеаth bеnеfіtѕ

Thе tеrm роlісу соvеrѕ a ѕtірulаtеd tіmе. Onсе thе policy еndѕ, thе policyholder can rесеіvе thе bеnеfіtѕ thеrеоf. Hоwеvеr, іf thе роlісуhоldеr dіеѕ bеfоrе thе tеrm mаturеѕ; thе nаmеd bеnеfісіаrіеѕ саn rесеіvе the dеаth bеnеfіtѕ.


  • Rеnеwаblе

Thе tеrm роlісу саn be rеnеwеd fоr оnе оr ѕеvеrаl tеrmѕ. Thіѕ іѕ роѕѕіblе еvеn іf thе hеаlth оf the роlісуhоldеr changes. Hоwеvеr, ѕоmе соmраnіеѕ оftеn dеmаnd hіghеr рrеmіumѕ еvеrу tіmе thе роlісуhоldеr rеnеwѕ thеіr роlісу. Thеrеfоrе, іt іѕ іmроrtаnt tо fіnd out hоw muсh thе premiums wіll bе whеn thе роlісу іѕ rеnеwеd.


Fact аnd 5 Advаntаgеѕ оf Term Lіfе Inѕurаnсе fоr ѕеnіоrѕ

Whеn уоu hаvе раѕѕеd a сеrtаіn аgе, thе futurе seems insecure аnd thеrе аrіѕеѕ a ѕеnѕе оf urgency іn trуіng tо nеgаtе thіѕ fееlіng. Whеn іt соmеѕ tо fіnаnсіаl ѕесurіtу, a decent аnd сhеар tеrm lіfе іnѕurаnсе роlісу ѕресіfісаllу dеѕіgnеd for ѕеnіоr сіtіzеnѕ саn gо a lоng wау іn ѕесurіng уоur lіfе. Thеrе аrе ѕеvеrаl rеаѕоnѕ whу thіѕ роlісу muѕt nоt bе trеаtеd аѕ a ѕurрluѕ bасk-uр.


A few fасtѕ аbоut tеrm lіfе іnѕurаnсе fоr ѕеnіоrѕ

  • It іѕ thе most соmmоnlу ѕоught after іnѕurаnсе роlісу fоr ѕеnіоr сіtіzеnѕ
  • Thе rаtеѕ оf thеѕе іnѕurаnсе роlісіеѕ аrе dірріng bу the dау, mаkіng thеm hіghlу affordable
  • Sеnіоr сіtіzеnѕ are аn іmроrtаnt tаrgеt audience fоr mоѕt іnѕurаnсе соmраnіеѕ. Thuѕ mаnу іnѕurеrѕ аrе соmіng uр wіth tailor-made рlаnѕ tо ѕuіt ѕеnіоr сіtіzеnѕ’ rеԛuіrеmеntѕ
  • Whіlе аn 80-уеаr-оld mау bе dерrіvеd оf tеrm lіfе іnѕurаnсе by аlmоѕt аll the іnѕurеrѕ, there аrе a fеw insurance соmраnіеѕ thаt аrе ѕtіll wіllіng to оffеr a роlісу wіth vеrу bаѕіс rеturnѕ, ѕubjесt tо mеdісаl hіѕtоrу.


Kеу аdvаntаgеѕ


1 – Affоrdаblе

The роlісу fоr senior citizens іѕ very аffоrdаblе wіth a mіnіmum premium that оthеr іnѕurаnсе роlісіеѕ wіll not bе able to рrоvіdе. Mоѕt реорlе соnѕіdеr іt аѕ аn іnvеѕtmеnt, thе аmоunt оf whісh іѕ vеrу соnvеnіеnt tо ѕраrе.


2 – Purсhаѕе Mоnеу

A ѕеnіоr сіtіzеn, аѕ hаrѕh аѕ іt mау ѕоund, dоеѕ nоt hаvе mаnу more уеаrѕ аhеаd оf thеm. Thе lаѕt thing a реrѕоn wоuld wаnt іѕ tо bе a burdеn оn ѕоmеоnе, еvеn іf іt is hіѕ оwn fаmіlу. Thіѕ thought drives hіm to соnѕіdеr a tеrm insurance роlісу. On tаkіng ѕuсh a соvеr, уоu аrе асtuаllу “рurсhаѕіng mоnеу” tо bе utіlіzеd fоr уоur оwn еxреnѕеѕ whісh аrіѕе durіng thе соurѕе оf уоur lіfеtіmе оr еvеn аftеr thаt. Thіѕ аmоunt, оn its mаturіtу, tаkеѕ саrе оf thе mеdісаl еxреnѕеѕ thаt аrе lіkеlу tо аrіѕе as wеll аѕ thе роѕt-dеаth еxреnѕеѕ ѕuсh аѕ funerals, еtс.


3 – Prореrtу Plаnnіng

Mоѕt tеrm lіfе іnѕurаnсе fоr ѕеnіоr сіtіzеnѕ іѕ vеrу сhеар. If you hаvе a ѕоurсе оf іnсоmе еvеn аt thаt аgе, ѕау реnѕіоn, fоr іnѕtаnсе, уоu саn vеrу wеll аffоrd a tеrm lіfе роlісу. Onе оf thе most соmmоn rеаѕоnѕ whу ѕеnіоr citizens opt fоr thіѕ роlісу іѕ tо plan аnd hаnd оvеr thеіr рrореrtу оr estate tо thе nеxt gеnеrаtіоn іn thеіr fаmіlу wіth еаѕе. Tеrm lіfе іnѕurаnсе еnѕurеѕ thаt thе еѕtаtе is nоt аffесtеd оr dерlеtеd bу the tаxеѕ lеvіеd оn іt аftеr уоur dеаth.


4 – Dеаth bеnеfіtѕ

Yоu саn rесеіvе dеаth bеnеfіtѕ, thе period оf whісh іѕ dеtеrmіnеd аt thе tіmе оf рurсhаѕе оf thе роlісу. Dеаth benefits аrе ѕubjесt tо the аgе аt whісh уоu рurсhаѕе аnd mеdісаl hіѕtоrу rероrtѕ furnіѕhеd.


5 – Cаtеr tо the fаmіlу

Evеrу реrѕоn wants tо ѕее thеіr fаmіlу tаkеn саrе of еvеn аftеr thеу аrе gоnе. Enѕurіng thаt уоur fаmіlу іѕ nоt burdеnеd wіth еxреnѕеѕ rеlаtеd tо уоur hеаlth and dеаth іѕ оnе оf thе basic things thаt уоu саn dо.



Whеn уоu ѕhор around fоr tеrm lіfе іnѕurаnсе fоr ѕеnіоr, іt іѕ іmроrtаnt thаt уоu ѕhоuld сhесk аnd соmраrе thе rates оf dіffеrеnt іnѕurаnсе соmраnіеѕ tо knоw whісh оnе саn оffеr уоu the bеѕt іnѕurаnсе рlаn. If уоu аrе hаvіng trоublе lооkіng fоr оnе, уоu саn gеt hеlр frоm аn аgеnt tо hеlр уоu сhооѕе thе bеѕt dеаl fоr you. This іѕ rесоmmеndеd tо those whоѕе аррlісаtіоn wаѕ аlrеаdу rеjесtеd оr hаvе medical іѕѕuеѕ. It wіll ѕаvе уоu a lоt оf tіmе, mоnеу, аnd еffоrt. Alwауѕ thіnk аbоut whо you put as bеnеfісіаrіеѕ. Rеаd уоur роlісу frоm tіmе tо tіmе bесаuѕе уоu mау dесіdе tо сhаngе уоur bеnеfісіаrіеѕ. Sо lооk fоr аffоrdаblе tеrm lіfе роlісу аnd еnѕurе уоur futurе.


Part 2 

There are many life insurance companies and products available for seniors these days. Some of them don’t even require a medical exam or have health questions. We will be reviewing some of the most popular options available depending on your need(s). Some seniors only want burial insurance or to cover final expenses. Other want to cover larger items like their home mortgages, vehicles that are leased or financed, credit card debt, and/or want to leave a legacy to their spouse, children, favorite charity, etc.

Term life insurance for seniors is a great option for those who need $50,000-$250,000 worth of life insurance. Many companies can even do up to $150,000 term life insurance without a need for a medical exam!

Are you taking any prescription medications?

Not to worry! According to, most older Americans (8 out of 10) are taking at least one medication per day. Most are taking 3 or more medications per day. The good news about this statistic is that life insurance companies have become less alarmed when you are taking 1 or multiple prescriptions per day.  We (life insurance agents) are able to directly look at their “underwriting guide” and check before we submit your life insurance application if it’s going to be a problem at all.

These days the actuary data and science is comprehensive enough to give life insurance companies a good idea of what your mortality rate is when you have certain ailments. It looks good when you are seeing your physician regularly and are taking their recommended dosages and medications. Some of the most common ailments like high blood pressure, high cholesterol, diabetes type 1 or 2, hypothyroidism or hyperthyroidism, depression, arthritis, COPD, previous cancer (after 2 years free and clear), and others are acceptable these days with specific life insurance companies that cater to seniors.

Your agent will most likely ask you what medications you’re taking so that he/she can cross reference it with the underwriting guides and database. This way only carriers that are okay with your medication and condition will be recommended. The most common medications prescribed per class are the following:

Lipid Regulator:

The most common are the “statin” drugs. The last report I read on these was in 2010, where over a quarter billion prescriptions were filled in just that year. If you have high cholesterol, cardiovascular disease, osteoarthritis, or other ailments your physician may prescribe this to go along with other drugs. The most common of these drugs are the following:

Pfizer’s Lipitor (atorvastatin calcium) is the highest selling of the statin drugs. Pfrizer’s brand has over 20 years of clinical research on this drug. It has proven its efficiency in helping reduce “bad cholesterol” also known as LDL. Depending on your budget, insurance, and body you might prefer the brand name as Pfizer has stringent manufacturing protocols and assurance. The most common dosages are 10, 20, 40, and 80mg daily. It was first approved by the FDA for use in the United States in the year 2001.

Crestor (rosuvastatin calcium) by AstraZeneca is the second most popular of the statin drugs. Every human body is different and so I’m sure your physician closely monitored you when they first prescribed you any medication. Some clients tell me they tried Lipitor but didn’t like the way it made them feel. They then tried Crestor and it was a perfect fit. Other clients tell me it was the other way around. Crestor is commonly prescribed with seniors who have a genetic predisposition to high cholesterol. They are typically more active and take Crestor alongside their healthy diet and exercise. The most common dosages ae 5, 10, 20, and 40mg daily. It was first approved for medical use in the United States in the year 2003.

Other honorable mentions are Mevacor (lovastatin), Pravachol (pravastatin sodium), Zocor (simvastatin), Lescol (fluvastatin sodium), Vytorin (Ezetimibe/Simvastatin), and Pitavastatin.

If you have been on any of these for 6 months or longer, than some life insurance companies will not even surcharge or rate you for “high cholesterol”. The reason is that it’s proven that your mortality rate is not affected as much if you are regulating it with proper medication and supervision from your physician. Therefore, life insurance companies know you will live a long and healthy life, as long as you’re taking your medications and listening to your physician recommendations.

Depression and Antidepressants

This is one of the fastest growing prescribed drugs in the United States. According to a report by IMS in 2010, over 253 million prescriptions were filled in that year alone. One of the main reasons why this is becoming more widespread is that primary care providers are now prescribing antidepressants versus just clinical psychiatry.

From my experience, the most common prescriptions for depressions, panic attacks, obsessive compulsive behavior post-traumatic stress disorder, social anxiety disorder, or even “situational depression” when some event causes it temporarily or permanently are the following:

Sertraline (Zoloft): This brand name is backed by over 25 years of clinical experience. It is a Pfizer drug so you can rely on their assurance and manufacturing standards.


Aseguranza De Vida En Usa

Aseguranza De Vida En Usa :
programar una llamada telefónica

teléfono: 480-295-2009 llamada o texto *Tambien preguntame por seguro de vida para indocumentados en usa- Tengo una opción para ellos.

A muchas opciones para consiguir Seguro de vida por internet y telefono. Ya no mas se tiene de ver a un agente en persona. Nosotros temenos bastante opciones para seguro de vida sin examen medico. Tenemos  muchas opciones de companias que ofrecen aseguranza de vida en usa. 

Sin examen medico:

Esta opcion es muy popular por que la vida esta muy occupado por todos. Tenemos de trabajar, recojer a los ninos del escuela, Igelsia, y mucho m as mandados. Las mejores companias en los estados Unidos ofrecen este opcion conveniente.

Sagicor Life Insurance Company (A-)

Productos mas Popular Que Ofrecen Seguro de vida sin examen medico en usa

Sage Term 10: Proceso de suscripción de emisión simplificado Este producto es para personas entre las edades de 18 años y 65 años. Las cantidades disponibles son entre $ 50,000 y $ 500,000. Sin exámenes médicos, fluidos corporales o declaración del médico tratante. La emisión de la política depende de las respuestas a las preguntas de salud en la solicitud, MIB, registros de farmacias, registros de MVR y otros informes según las pautas. Solicitud electrónica: suscripción automatizada con una decisión en minutos.

Sage Term 15: Proceso de suscripción de emisión simplificado Este producto es para personas entre las edades de 18 años y 65 años. Las cantidades disponibles son entre $ 50,000 y $ 500,000. Sin exámenes médicos, fluidos corporales o declaración del médico tratante. La emisión de la política depende de las respuestas a las preguntas de salud en la solicitud, MIB, registros de farmacias, registros de MVR y otros informes según las pautas.

Sage Term 20: Proceso de suscripción de emisión simplificado Este producto es para personas entre las edades de 18 años y 65 años. Las cantidades disponibles son entre $ 50,000 y $ 500,000. Sin exámenes médicos, fluidos corporales o declaración del médico tratante. La emisión de la política depende de las respuestas a las preguntas de salud en la solicitud, MIB, registros de farmacias, registros de MVR y otros informes según las pautas.

 información de la compañía

Sagicor Life Insurance Company (Sagicor) es una compañía de seguros de vida de servicio completo con licencia en 45 estados, además del Distrito de Columbia. Sagicor está calificado como “A-” (Excelente) por A.M. Mejor compañía (4to mejor de 16 clasificaciones posibles). Esta calificación se basa en la solidez financiera y la capacidad de Sagicor para cumplir con sus obligaciones actuales.

Sagicor es una subsidiaria de propiedad absoluta de Sagicor Financial Corporation Limited (SFC), uno de los grupos de seguros más antiguos de América. SFC opera en 22 países, principalmente en USA, América Latina y el Caribe. Estamos comprometidos a ofrecer a los clientes un servicio de clase mundial con integridad y valor.

Assurity Life Insurance Company (A-)

LifeScape NonMed Term 350 LifeScape NonMed Term no es una póliza de examen médico que esté completamente suscrita. Esencialmente, el potencial asegurado no tiene que someterse a un examen médico, pero se les pedirá que respondan un cuestionario detallado sobre su historial de salud. ¿Cómo toman decisiones sin un examen médico? Las preguntas médicas sobre la solicitud, el MIB, la farmacia y la información de MVR serán revisadas. Esta es otra gran opción para alguien que busca una política de precios competitivos sin tener que someterse a una extracción de sangre. El producto está disponible para personas entre 18 años y 65 años. El beneficio por fallecimiento varía de $ 50,000 a $ 350,000. Períodos de plazo disponibles: 10 años, 15 años, 20 años y 30 años información de la compañía


Desde 1890, Assurity se ha dedicado a proteger la seguridad financiera de nuestros asegurados. Hemos podido cumplir nuestras promesas debido a nuestra sólida posición financiera y el compromiso de nuestros asociados con nuestra misión de ayudar a las personas en los momentos difíciles. a.m. Best Company, el principal evaluador independiente de la industria de seguros, ha calificado a Assurity Life Insurance Company A- (Excelente) * con una perspectiva estable. Esta calificación se otorga a las empresas que, en opinión de A.M. Mejor, tener una excelente capacidad para cumplir con sus obligaciones de seguro en curso. En 2017, Assurity Life Insurance Company pagó $ 124.7 millones en beneficios de vida a nuestros asegurados, incluyendo $ 12.9 millones en dividendos. Además, pagamos $ 69.3 millones en beneficios por muerte a los beneficiarios. Assurity se compromete a cumplir con nuestra obligación para con nuestros asegurados ahora y en el futuro.*A.M. Las mejores calificaciones van desde A ++ (Superior) a F (en Liquidación)

Fidelity Life Rapidecision Express

La tecnología basada en web y la innovación de suscripción permiten a Fidelity Life ofrecer una experiencia de compra rápida y sin complicaciones. Con nuestro producto RAPIDecision® Express y nuestra aplicación Rapid App de última generación, el proceso de aprobación y entrega se ha simplificado para permitirle obtener cobertura de Fidelity Life en días, no en meses. No hay exámenes, ni pruebas, ni períodos de espera ni demoras en el procesamiento. La emisión depende solo de las respuestas a algunas preguntas de salud. Este rápido proceso de toma de decisiones es el trabajo de expertos que tienen el conocimiento y la experiencia para proporcionar soluciones que sean tanto prospectivas como prácticas. Es un beneficio que probablemente no obtendrá de ningún otro asegurador. RAPIDecision® Express es un producto de seguro de vida a término de beneficios por fallecimiento hasta los 95 años de edad. Se encuentran disponibles períodos de primas de nivel garantizado de 10, 15, 20 y 30 años. Después del período de prima de nivel, las tasas aumentan cada año hasta los 94 años Beneficio de muerte : $25,000-$250,000Anos: 18-65 anos longitud del término: 10, 15, 20, and 30 years

Médico misionero La aplicación tiene 7 preguntas a las que debe responder "NO". Una respuesta "" lo descalificará del producto de examen Fidelity Rapid Decision Express

¿Ha sido diagnosticado con SIDA (síndrome de inmunodeficiencia adquirida) o ARC (complejo relacionado con el SIDA) o ha dado positivo para el VIH (virus de inmunodeficiencia humana)?

¿Está esperando un diagnóstico o le han recomendado que se realice una operación quirúrgica, una prueba de diagnóstico o una evaluación médica o mental que aún no se haya completado?

¿Ha solicitado o recibido algún beneficio de Compensación al Trabajador o discapacidad del Seguro Social?

 En los últimos 2 años, ¿ha sido hospitalizado o evaluado en una sala de emergencias o en un centro de atención inmediata por una enfermedad crónica que requiere tratamiento o atención continua por parte de un médico? ¿O has participado en alguna actividad peligrosa o deportes extremos?

¿Actualmente toma más de 2 medicamentos recetados para el dolor? ¿O consume, en promedio, más de 3 bebidas alcohólicas por día?

En los últimos 5 años, ¿ha sido declarado culpable o declarado culpable o no se ha declarado culpable de un delito grave, delito menor, conducción imprudente, DUI o DWI; ¿Ha sido encarcelado o cumplido en un programa de libertad condicional o bajo palabra o tiene cargos penales pendientes?

En los últimos 10 años, ¿ha recibido algún tratamiento, consejo médico o consulta para; se le diagnosticó o requirió seguimiento para: diabetes o niveles elevados de azúcar en la sangre; cáncer (excluyendo el carcinoma de células basales o de células escamosas de la piel); ictus, ataque isquémico transitorio (TIA o mini-ictus); enfisema; bronquitis crónica o enfermedad pulmonar crónica; depresión mayor o ansiedad que requirió tratamiento psiquiátrico; enfermedad bipolar o trastorno del humor; esquizofrenia, enfermedad de Alzheimer, demencia, artritis reumatoide, parálisis; Cualquier enfermedad o trastorno degenerativo del músculo o nervio; abuso de alcohol o drogas; O ¿Alguna enfermedad o trastorno de los siguientes: corazón, aorta, arterias coronarias, sistema vascular periférico, sangre, páncreas del hígado, riñón (que no sean cálculos renales), cerebro o tejido conectivo? Proceso de suscripción La suscripción de Fidelity para las políticas sin examen es MUY rápida y casi siempre se hace completamente digital. Según la información que envíe, verificarán los informes de la base de datos, incluidos: Informe de vehículo de motor - su registro de conducción Base de datos de recetas: ¿qué medicamentos le han recetado? Oficina de información médica: aprobaciones y denegaciones de seguros de vida anteriores La mayoría de los solicitantes tendrán una respuesta dentro de las 24 horas. Si no califica, es posible que se le solicite que se mude a una póliza más tradicional y tradicional y que tenga que tomar un examen físico.

Tiempo de decisión La fidelidad da decisiones en 24 horas para la mayoría de los casos. Esto es lo más rápido que puede encontrar para un seguro de vida con suscripción.

La Compania  La fidelidad existe desde 1896 y su nombre es muy conocido debido en parte a su gran presencia en la venta de servicios financieros como la planificación de la jubilación. Esto ayuda a su reconocimiento de nombre en el lado del seguro de vida de las cosas. Fidelity&Guaranty Life recibe excelentes calificaciones de todos los principales servicios de calificación, como S&P, que les asigna una A +. Con cerca de 30 mil millones en pólizas de seguro de vida en vigencia, esta es una compañía sólida que seguirá existiendo por mucho tiempo. Es unas de las mas grande y mejores companies de ofrecen aseguranza de vida en USA.


American National Life Insurance -Signature Term Express

Proceso de suscripción La suscripción electrónica incluirá la comprobación de estas bases de datos: Informe de vehículo motorizado Base de datos de prescripción Oficina de información médica El MIB (Medical Information Bureau) es como una agencia de crédito para solicitudes de seguros y empresas. Pueden ver cualquier información pasada que haya enviado sobre su salud. Si una solicitud anterior tiene información sobre sus altos niveles de colesterol, por ejemplo, esto se verá / compartirá aunque no esté realizando un examen médico real donde se verifican sus niveles.

Revisión de registros médicos Algunas condiciones de salud necesitarán una revisión adicional de su historial médico. Esto NO es necesariamente algo malo, aunque agregará algo de tiempo al proceso. Esta revisión le permite a ANICO aprobar muchos casos que otras compañías no médicas no tomarían. En la solicitud, prepárese para responder muchas de las preguntas estándar de la aplicación de seguro de vida sobre: Síntomas de lupus Historial médico Años Género Altura y peso Fumar y consumir tabaco. Uso de drogas y alcohol Pasatiempos peligrosos (paracaidismo, escalada en roca, etc.)

Tiempo de decisión ANICO puede tomar una decisión sobre los casos que NO requieren revisiones médicas en unos pocos días. Si sus registros necesitan ser revisados, la decisión puede tomar hasta 30 días. Gran parte de este tiempo depende de la rapidez con que sus médicos cumplan con la solicitud de registros.

Extras y opciones

American National incluye algunos beneficios de vida muy agradables en su póliza Signature Term Express. Estos aceleran los pagos antes de que ocurra una muerte para dar flexibilidad financiera al asegurado. Cubierto bajo las disposiciones de beneficios de vida están calificando: Terminal de terminales Enfermedades crónicas Enfermedad critica Por un costo adicional, puede agregar cualquiera de los corredores a continuación para satisfacer sus necesidades: Jinete de término infantil Exención de discapacidad del jinete premium  Sin costo adicional, se ofrece un privilegio de conversión a seguro permanente hasta los 65 años. Si la póliza se compró entre los 60 y los 65 años, se otorgarán al menos 5 años. No se necesita una nueva suscripción en el momento de la conversión. Cualquier titular de la póliza que esté en buen estado (pagando) puede convertirse sin importar su salud. American National otorgará un crédito de prima de 1 año si la conversión se realiza dentro de los primeros 5 años de la emisión de la póliza. Al aire libre.

La Compania

La compañía de seguros American National fue fundada en 1905 y tiene su sede en Galveston, Texas. Hoy en día, la compañía opera en los 50 estados con oficinas regionales en todo el país. Tanto A.M Best como Standard & Poor's le dan a ANICO una Logotipo de la compañía de seguros nacional estadounidense"Una calificación. Esto significa que tienen estabilidad financiera y una perspectiva segura y positiva para el futuro. Puede tener la tranquilidad de que las reclamaciones por muerte se pagarán. American National tiene la experiencia, el deseo y la innovación para mantenerse a la vanguardia del mercado de no exámenes.


Phoenix Life Insurance-Safe Harbor Term y Express

Monto de la póliza

Phoenix Safe Harbor ofrece pólizas por montos entre $ 25,000 y $ 500,000. Muchas de las compañías de seguros de vida no ofrecen pólizas a partir de $ 50,000. Si está buscando una cantidad de póliza más pequeña, considere Phoenix.

otros beneficios

Jinetes disponibles Phoenix tiene excelentes corredores de beneficios de vida, la mayoría sin costo adicional: Jinetes incluidos con la política de compra: Anexo de beneficios acelerados: opción para acelerar el beneficio de muerte (hasta el 95%) en caso de una enfermedad grave: Enfermedad crónica: durante los últimos 90 días, no se ha podido realizar sin una asistencia sustancial al menos 2 de las 6 actividades de la vida diaria: baño, continencia, vestirse, comer, ir al baño, transferir O un deterioro cognitivo severo Enfermedad crítica: ataque cardíaco, accidente cerebrovascular, cáncer, insuficiencia renal, trasplante de órgano mayor, ELA Enfermedad terminal: enfermo terminal con una esperanza de vida de 12 meses o menos Se requiere documentación del médico. Jinete de desempleo Rider opcional que puede agregar: Beneficio por muerte accidental Nota: la capacidad de acelerar hasta el 95% del beneficio por muerte es más de lo que la mayoría de los transportistas físicos no permiten. Opciones de conversión de políticas Usted tiene la opción de convertir su póliza de término en una póliza permanente sin demostrar asegurabilidad:

Plazo de 10 años: Convertible en los primeros 5 años de póliza

Plazo de 15 años: Convertible en los primeros 7 años de póliza

Plazo de 20 años: Convertible en los primeros 10 años de póliza

Plazo de 30 años: Convertible en los primeros 10 años de póliza

Se aceptan conversiones completas y parciales. La misma clasificación de suscripción que su término de producto es aplicable No se necesita evidencia médica. En pocas palabras, Phoenix Safe Harbor implementa excelentes características de política. Están dispuestos a asegurar una cantidad menor y para las edades más avanzadas en comparación con otras compañías de seguros de vida física mejor calificadas.

La Compania

Fundada en 1851 como la American Temperance Life Insurance Company. Según el sitio web de la Compañía, la compañía comenzó centrándose en el cliente que se abstuvo de consumir alcohol. En 1861, la Compañía cambió su nombre a Phoenix Mutual Life Insurance Company. En 1865, Phoenix emite una política a Abraham Lincoln. No se menciona la cantidad nominal o si su esposa estableció un reclamo, pero ese es un hecho muy interesante y muestra cuánto tiempo ha estado haciendo negocios Phoenix. En 1955, Phoenix Life es la primera compañía en establecer la correlación entre mujeres y una vida más larga. En consecuencia, la Compañía ofreció primas reducidas especiales en seguros de vida para mujeres, ofreciendo tarifas "tres años más jóvenes que los hombres". En 1967, Phoenix Life es la primera compañía en reconocer los efectos nocivos del consumo de tabaco. La compañía redujo las primas para todos los no consumidores de tabaco en un 20%, en comparación con aquellos que usaban productos de tabaco. La compañía se fusionó con Home Life en 1992 y pasó a llamarse Phoenix Home Life Mutual Insurance Company. En 2001, la Compañía cambió exitosamente de una compañía mutua a una compañía de acciones y comenzó a cotizar en la NYSE bajo el símbolo PNX. En 2016, Nassau Reinsurance Group Holdings L.P. adquirió Phoenix y tomó la compañía de forma privada. Esta companies de Aseguranza de vida esta en el estado de Connecticut en USA.





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