How to Buy Life Insurance Without Being Afraid to Ask - EBrokerAmerica - Weblog

Gas prices getting you down?

AppFarmer — Sat, 05 Jul 2008 02:15:37 +0000

Gas prices getting you down? Looking to lower your monthly expenses? Maybe we can help!

One of the only things that has gone down in cost over the last few years is Life Insurance rates. When was the last time you compared today’s rates to what you are paying?

We save people money every day…When you purchased your LIfe Insurance how many companies did your agent represent? Most people I speak to will tell me that their agent represented 2 or 3 companies. It’s no secret how we save you money. It’s by shopping your Life Insurance policy with over 35 top rated Life Insurance companies (In Minutes!).

Choose your Best Life Insurance Company

We allow you to choose among the best Life Insurance Companies in America like: AIG American General, ING, Genworth, West Coast Life, Prudential, Transamerica, RBC, HSBC and Banner among others.

Click Hear-For your FREE QUOTE!

Or call us @ 888-297-6177

Instant Term Life Coverage up to $250,000

AppFarmer — Sat, 10 May 2008 03:37:47 +0000

You can qualify for up to $250,000 of Term Life Insurance without taking a medical exam!

*Print your own policy in minutes.

No Medical exam required just answer a few medical questions…

Why choose Liberty Life?

With Liberty Life, once you apply online and are accepted for coverage, your life insurance protection begins the very same day. Your premium is guaranteed not to change over the life of the policy. Every policy comes with a 30-day Money Back Guarantee. Get a policy in hand in minutes! *

Questions??? Call 888-297-6177

“CLICK HERE” to quote and apply yourself!

* If you qualify for the insurance

Need Life Insurance Coverage Today? We Can Help you!

AppFarmer — Tue, 26 Feb 2008 16:22:28 +0000

Click Here- For your free quote

Sometimes life comes at us fast. Should you need immediate Life Insurance coverage we can help. You can be insured in as little as 15 minutes. There is NO medical exam required for this type of policy. This is whats called an instant issue policy. If your afraid of needles this is for you since there is NO Blood test required either.

These types of polices are a great choice for many different reasons such as:

Your just too busy to go through the underwriting process
No time to take the required Medical Exam
Afraid of needles
As part of a divorce agreement
As part of a Buy-Sell agreement
To help you secure a mortgage

Please do not hesitate contacting us should you be interested in securing coverage. Call us today @ 888-297-6177

No Obligation Term Life Quote – I Will Save You Money

AppFarmer — Tue, 12 Feb 2008 18:45:48 +0000

Click Here - for your Life Insurance Quote

I built my business by finding the best insurance policies, but at the lowest rates. My competition (other insurance agencies), try to make more money by increasing your rates. Why? Because they want to make the quick buck. My agency works differently. We have repeat customers and new customers from referrals, because we treat people the way they want to be treated.

You have my commitment that you will be treated professionally, fairly and that you will save money.

You are cordially invited to visit our website for your quote @ www.ebrokeramerica.com

Or, please call me anytime, even on weekends Toll Free @ 888-297-6177

Factors That Influence Your Life Insurance Rates

AppFarmer — Tue, 05 Feb 2008 21:48:50 +0000

When it’s time to think about life insurance there are several things you’ll want to consider before doing so. There are factors that you directly control that can reduce the amount of your life insurance premiums.

Some of these factors include:

Whether you smoke. Smokers pay a higher premium for life insurance. Most life insurance companies will tell you that if a person is a smoker they should stop smoking a year before they apply for life insurance. For a young couple thinking of having a child this is a perfect time to stop smoking. It will not only benefit the health of their new baby it also has a direct impact on their life insurance premium rates. If you already have life insurance and want to lower your premiums stop smoking for at least a year and then contact your insurance agent to notify them.
Your weight. People who are obese pay a higher premium for life insurance. There are many health problems that are associated with being overweight. It’s also been proven that people who are morbidly obese have a shorter life span than those who are fit. It’s important to lose weight for many reasons, most importantly for your health. Therefore it’s advised that you speak with your personal physician about a healthy weight loss plan or other weight loss alternatives that are right for you. If you are already insured and have lost a significant amount of weight you should contact your insurance company. They most likely will request that you have a medical exam to confirm the change in your health before they will even consider adjusting your rates.
Your job. Some jobs are considered to be high risk and as such those individuals will pay a higher premium than someone who is working in a low risk profession. If your life situation changes and you are married or become a parent you may consider switching professions because of the added responsibility of having a family.

There are factors which you can’t control which also may influence your life insurance premium rates:

Your age. If you purchase life insurance when you are young you will pay lower rates than if you purchase a whole life policy when you are older. Therefore it’s a good idea to consider life insurance once you have finished college and have begun your first full-time job.
Inherited illnesses. There are many illnesses which are passed from one generation to the next. When you have your medical exam the doctor will ask you to reveal any predisposed medical conditions. You must reveal these because if you don’t and it is discovered that you had knowledge before and didn’t offer this information, your policy may be deemed null and void.

If you want to have some control of your life insurance premiums consider changing the things that you can so you can reduce the costs.

Get your free quote @ www.ebrokeramerica.com

What is Final Expense Insurance?

AppFarmer — Sat, 26 Jan 2008 18:10:16 +0000

For our clients concerned with protecting their families from the high costs of settling final expenses, we offer a guaranteed Whole Life insurance product designed to meet their needs.

Final Expense insurance offers a cost-effective means to provide cash for:

Funeral expenses which can typically range from $5,000 to $10,000 and can create a significant burden on loved ones.
Settling of debts such as credit card balances, car loans, and mortgages.
Legal costs associated with your estate, taxes or probate.
Education cost for children whose higher education might otherwise be interrupted due to a lack of funds.

Unlike burial protection packages offered by mortuaries, a Final Expense insurance policy does not dictate how benefits must be allocated. Final Expense insurance also competes well against advertised Guaranteed Issue products because it is underwritten on a Simplified Issue basis. We offer Final expense coverage that does not require you to take a medical exam to qualify for coverage. Final Expense insurance can be an important part of a well-structured portfolio of insurance coverage. Coverage can be a little as $2,000.00 and is available up to $50,000.00 so you get to decide what’s right for you.

Call us today to learn more about this type of Life Insurance or visit us @ www.ebrokeramerica.com

After Getting a Quote for Life Insurance What’s Next?

AppFarmer — Thu, 24 Jan 2008 02:18:49 +0000

Getting the life insurance quote is not even half the battle like many people believe it to be. There is much more that must be done before any kind of life insurance policy is made active and providing the protection that you require. You need to be prepared for the whole process, as it can be a bit long and drawn out. It does not have to be stressful if you understand what is going on but it will take a while that much is certain. Once you have gotten the quote from the life insurance company you will need to start making arrangements to set up the entire policy. This can be done in many ways including online, over the phone or in person depending on your personal preference. Be prepared to answer the host of questions that will be coming your way to help make the process go a lot smoother.

Once you have the quote in hand and you have decided that you like the premium payments they have stated you need to begin working with the life insurance company more closely. So the first order of business is to contact the company and inform them that you would like to activate the policy as outlined in the quote that you received. It is important to note here that the life insurance company is not bound by the quote and it is given as a baseline for you to go by and not a statement of the actual amount that you will be paying. The company will first need to verify the information that you provide to ensure that you are who you say you are.

The application for a life insurance policy is long and can be a bit complicated. This is why you should be working closely with the agent that is assigned to you. They have the knowledge of what needs to be included in the application and how you will go about processing the whole thing. This is very important as a complete application is vital to speeding the whole process up. An incomplete application can delay the processing by months.

The information that you provide needs to be completely true to the best of your knowledge. You are bound by laws when you make statements on an application for life insurance which carry stiff penalties for false statements that are made. Then there is the matter that the life insurance company would have the right to deny the claim should any of the statements that you make turn out to be false. This is all very important and you should be completely honest when filling out the application.

The process of obtaining life insurance is a bit long but it is of the highest importance to make sure that you are protecting those that you love should something happen to you.

www.ebrokeramerica.com

Non-Smoker Life Insurance Rates for those who use a form of tabbaco other than cigarettes.

AppFarmer — Mon, 14 Jan 2008 19:47:08 +0000

Many of you may regularly enjoy a cigar, pinch of smokeless tobacco or even a relaxing puff on a pipe. Many insurers will only offer these individuals “smoker” rates, but we have carriers, they still can qualify for NON-Smoker Rates with depending on their individual circumstances! These non-smoker rates usually apply to someone in good health and who has not been a cigarette smoker for at least 12 months. Unfortunately some of us find out the hard way that when we apply for Life Insurance the fact that we have a celebratory cigar now and again might cause our Life Insurance Rates to be 2-3 times more expensive because we are now being considered at a smoker rate.

If you would like to find out more feel free to call us @ 888-297-6177 or visit www.ebrokeramerica.com for your quote.

Return Of Premium (ROP) Term Life Insurance

AppFarmer — Sat, 05 Jan 2008 00:10:29 +0000

Is Return of Premium (ROP) the right product for you?

ROP is a term life insurance product that combines the advantages of traditional term life insurance such as affordable, guaranteed level-premium periods (15, 20 or 30 years), with a return of premium feature. At the end of the level-premium period, 100% of the premiums paid will be returned to you!
How do they do this? The rates the insurance companies charge are slightly more for it than for non-ROP term insurance. During the level-premium period the insurance company is able to invest portions of the premium for capital growth. As a result they are able to return your premiums to you at the end of the level-premium period.

Contact us today to have us run a quote for your ROP policy today www.ebrokeramerica.com

No Medical Exam Term Life Insurance

AppFarmer — Thu, 03 Jan 2008 02:39:04 +0000

Life Insurance without a medical exam!

The easiest way to get the coverage you need…Get covered in minutes!

Instant issue products is where this industry is heading very quickly. We deal with multiply Life Insurance companies which have Instant Issue versions of the level term policies. What this means for you is coverage in force typically in 24-48 hours instead of 4-6 weeks for conventional underwriting.

This coverage isn’t for everyone. Since these policies forgo 90% of the underwriting process people with major medical condition, bad driving records (including DWI’s) and are older than age 65 should consider conventional coverage.