1stQuote.com’s Top Term Life Insurance Companies – September 2011
October 4th, 2011 § Leave a Comment
During the Month of September 2011, the following Life Insurance Companies were most often selected to meet the term life insurance needs of 1stQuote.com customers:
- ING ReliaStar Life Insurance Company
- Prudential Life Insurance Company
- Genworth Life & Annuity Life Insurance Company
- SBLI Life Insurance Company
- Banner Life Insurance Company
For more information, or to find the term life insurance policy that’s right for you, please visit 1stQuote.com at www.1stquote.com
Exciting Changes When Shopping for Term Life Insurance at 1stQuote.com!
September 15th, 2011 § Leave a Comment
Big Changes are coming at 1stQuote.com:
- Several new A+ rated Life Insurance Carriers
- Instant Online Term Life Insurance Applications with E -Signature
- Innovative, state of the art Application processing via our new partnership
We’re adding several quality Life Insurance companies, better term life insurance rates, an online application with E-Signature and much more efficient life insurance application processing,
Stay Tuned for more details!
1stQuote’s Top Term Life Insurance Companies – August 2011
September 2nd, 2011 § 2 Comments
During the Month of August 2011, the following Life Insurance Companies were most often selected to meet the term life insurance needs of 1stQuote.com customers:
- ING ReliaStar Life Insurance Company
- Genworth Life & Annuity Life Insurance Company
- American General Life Insurance Company
- SBLI Life Insurance Company
- Banner Life Insurance Company
For more information, or to find the term life insurance policy that best meets your needs, please visit 1stQuote.com at www.1stquote.com
A Useful Tool for Deciding When To Start Social Security Benefits
July 12th, 2011 § Leave a Comment
Trying to decide the best time to begin receiving Social Security Benefits? Here’s an informative article from the New York Times with a link to AARP’s new Social Security Calculator. To read the article please click on: AARP’s New Social Security Calculator.
Life Insurance and Cholesterol – LDL, HDL and Ratios Matter – Updated!
June 28th, 2011 § 2 Comments
It seems as though nearly everyone is being treated for elevated cholesterol these days, and it not just the age 50+ citizens anymore. We see numerous 30 and 40 year olds and a growing number of 20 something applicants who are attempting to deal with elevated cholesterol.
And now the good news! From a life insurance perspective, controlled cholesterol alone (whether you are being treated with medication(s) or not) will not exclude applicants from super preferred and preferred rate pricing classifications. That being said, what are the limits? That is to say, what are common cholesterol underwriting guidelines?
Consider Term Life Insurance In A Universal Life Wrapper!
June 24th, 2011 § 1 Comment
In response to a combination of regulatory reserving requirements and competitive pressure to keep level term life insurance rates low, many of the most competitive term carriers (Transamerica and Genworth Life) are beginning to introduce hybrid products commonly referred to as “term-ul” products. 1stQuote.com expects every term carrier to join in this trend, and we believe the inherent flexibility of these Term/UL policies make them a BEST BUY!
These products are technically universal life insurance products. But for all intents and purposes, they perform almost identically to their traditional level term counterparts. They have guaranteed level premiums (comparable to term) for specified periods, with the same choices as term (10-15-20-30 years) as well as guaranteed level death benefits for those same periods, again, just like level term
Life Insurance for People Over 50, 60, 70? Updated!
June 21st, 2011 § 2 Comments
In a number of blogs and financial sites there have been an ongoing abundance of articles and comments regarding life insurance for people age 50 and over. Unfortunately, a lot of the information and opinions provided are just plain wrong! For example, a major financial portal, in an article entitled “Term or Whole Life” states:
“……… people who need coverage starting in their 60s and beyond may have no alternative but to buy whole life. Most companies simply won’t sell policies to people over about age 65.”
What a bunch of baloney! Right now, I’m looking at term life insurance quotes for a male born January 1, 1938, making him age 73. The quotes I’m seeing show the availability of 10, 15 year and even 20 year guaranteed term insurance ( or hybrid term/universal policies) from numerous companies.
Under 45 and Risk Averse!
June 21st, 2011 § Leave a Comment
The Online Wall Street Journal is out today with and article entitled “Take Some Chances, Gen X,” that details the conservative approach many younger people are taking with their investments. Take a look, the article provides an interesting perspective!
Your Finances Versus the “Portfolio Defense!”
June 18th, 2011 § Leave a Comment
New York Times writer Paul Sullivan tells about his afternoon in a Manhattan Townhouse with 8 “wealthy men” who were to critique his family’s approach to saving, spending and thinking about money. It’s a good read and can be found in the New York Times article ” Financial Advice Gleaned From a Day in the Hot Seat.”
Safe Money – Where Should It Go?
June 15th, 2011 § Leave a Comment
The Wall Street Journal has an informative article on expected returns on low-risk savings entitled ” In Stashing Cash, Look Ahead.” Rates won’t stay low forever! If you’re thinking about intelligent investment alternatives for your “safe” money, please take a look.
