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Archive for April, 2008

San Antonio Term Life Insurance

Apr 27

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Q: Do I really need Term Life Insurance for me or my family?

A: When it comes to life insurance, everyone needs it. There is no way around it. However, there are options in getting life insurance so that it does not hinder your financial responsibilities.

Once you decide whether to go with whole life or term life insurance there will be different processes to go through in order to actually get the insurance coverage. The main difference in each of these life insurance options is a temporary insurance coverage or a lasting coverage.

The coverage of the life insurance can be decided according to the amount of debts the family is having or the number of dependents and their financial needs in case the unexpected happens. The term or insurance term can be decided on the time your children or dependents will take to become financially self-sufficient. You should also consider your financial needs and those of your dependents.

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San Antonio No Medical Term Life Insurance

Apr 27

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Q: Can I get Term Life Insurance with no medical exam if I am a single person and not with a large company?

A: Commercial term life insurance companies offer several different kinds of term life insurance products in an attempt to better subsidize the loss of life or the life of a loved one.

Term life insurance tends to be more economical when it comes to premium rates, because it only covers a particular period of time, but people still tend to opt for this type of coverage

It is actually a well-known fact that anyone who is in poor health is going to try to pursue term life insurance as a method of obtaining life insurance. Insurance companies want to avoid clients who they will obviously have to reimburse, which is why they tend to require medical examinations for anyone who is purchasing a policy. This is why no medical term life insurance is becoming so popular!

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San Antonio Smokers Life Insurance

Apr 26

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Q: Can smokers get cheap life Insurance?

A: Insurance companies use individual “lifestyle factors”. Such factors usually include your age, gender, occupation, current health and whether or not you’re a smoker. The latter makes a huge impact on the overall cost of the insurance. So if you are a smoker, who’s considering taking out life insurance, then quitting could potentially save you thousands.

Smoking is a negatively perceived life behavior that can add to the monthly premium costs an insured customer pays for coverage. Discounted life products are much more accessible to non-smokers.

Two smokers might have a huge difference in their term life insurance quotes for a number of reasons. An overweight smoker will pay a lot more than a smoker with a normal weight. Major factors  determine your term life insurance quote. A 60-year-old is more likely to die earlier than a 50-year-old.

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San Antonio No Exam Life Insurance

Apr 26

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Q: Can you get no exam life insurance?

A: Because people tend in recent years to take better care of their health the underwriting of these policies has become less stringent. Usually people can get a decent amount of life insurance without having to do a medical. “No medical exam life insurance” has become quite popular. It is selling like hot bread

People are surprised to learn that it is possible to obtain whole life insurance without taking a physical examination. While there are several excellent policies on the market today that provide life insurance no exam coverage.

Before committing to a higher priced no exam life insurance policy, do some homework with other options. You may find that your particular health conditions will not be the obstacle that you thought them to be, and you can obtain the same amount of coverage at a lesser premium.

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San Antonio Life Insurance for Women

Apr 26

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Q: Is it important for women to life Insurance?

A: The Social Security Administration reports that nearly 20% of unmarried women age 65 or older live below the poverty line, compared with 5% of married elderly women. Women’s social security incomes are often much less than that of their husbands.

Retirement benefits, for many couples today, are often the most substantial assets in the marital estate. This asset can play an integral role in the life of both a widow and divorcee

Because more women encounter breast and cervical cancer at relatively early ages, they actually pay more than men do for 30-year policies at age 40. Women pay $355 a year for a 30-year, $250,000 policy, while men pay $335 a year. Men and women age 40 pay the same for 10-year policies ($130 a year) and 20-year policies ($203 a year).

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