1. ING ReliaStar Life Insurance Company
2. Prudential Life Insurance Company
3. Genworth Life & Annuity Life Insurance Company
4. SBLI Life Insurance Company
5. 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

• 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!

1. ING ReliaStar Life Insurance Company
2. Genworth Life & Annuity Life Insurance Company
3. American General Life Insurance Company
4. SBLI Life Insurance Company
5. 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

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?

General Underwriting guidelines for cholesterol have two parts. First, what is the Total Cholesterol? Total cholesterol can be simply defined as the total value LDL (low density lipoprotiens) cholesterol and HDL (high density lipoprotiens) cholesterol (LDL + HDL = total cholesterol). The second part, is the ratio of HDL to total cholesterol (total cholesterol/HDL = cholesterol ratio).

Life Insurance Underwriting Guidelines will vary from company to company. However, for a quick and simple perspective on cholesterol readings and eligibility for super preferred and preferred rates — here are the cholesterol guidelines for an A+ carrier with very, very competitive term life insurance rates:

Super Preferred Rates

With a Ratio <= 5.0 Total Cholesterol can be as high as 205

With a Ratio <= 4.5 Total Cholesterol can be as high as 240

Preferred Rates

With a Ratio <= 6.0 Total Cholesterol can be as high as 230

With a Ratio <= 5.5 Total Cholesterol can be as high as 260

It’s encouraging to know that even if you are being treated for elevated cholesterol it only requires reasonable readings and ratios to be eligible for the best life insurance rate classifications.

Want to know more? Get a term life insurance quote at http://www.1stquote.com, and you can see pricing differences between standard, preferred and preferred plus rates.

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

What’s the difference to the consumer?

In essence, it’s more form over substance. But there is an advantage to these products in terms of flexibility. Because they are in Universal Life chassis, they include elements of flexibility that are not available on term contracts. This flexibility allows for changes in death benefit, and premiums, which, if needed, can come in handy down the road. For example, traditional level term policies have no contractual provision to allow for reductions in face amount. If you don’t need all of the coverage you have, your only choice may be to drop the policy altogether and buy a new one, which may either be cost prohibitive (if your health has changed), or unavailable altogether.

On the other hand, these new term-ul plans contractually allow for the flexibility to make changes in your death benefit. They also include the flexibility to alter your premiums in a manner that could make the policy last longer than the initial desired period of coverage. For instance, a policy owner who initially purchases a term-ul with a premium level guaranteed to last 20 years, could, down the road, make certain changes to the premium and, by doing so, cause the policy to last longer than 20 years. The only options on a traditional term contract are to keep it in force, or possibly convert it to an ordinary universal life or whole life policy, assuming the policy has a convertibility feature and that feature has not yet expired.

All in all, for most buyers, the term-ul products have been, and will continue to be, compared and used interchangeably with their level term counterparts. This is the industry’s latest creative move in response to an ever changing regulatory environment. That being said, in this case, the consumer is winning in that the new products seem to be incrementally less expensive, yet they deliver the same level guaranteed periods of coverage along with some additional and potentially valuable flexibility. To find out more, get an instant Term Life Insurance Quote at 1stQuote.com.

“……… 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.

Not only is life insurance readily available, all underwriting classes (Standard, Preferred and Preferred Plus) are also open to applicants. There is no penalty for being over 50 or 60 or 65.

These quotes are not from marginal or specialized life insurance companies. Even after the ongoing financial markets turmoil, the companies offering these term life insurance products are all rated at least A and A+ by A M Best and offer the most competitive rates available in the marketplace. Don’t you know that Lincoln National, ING, Transamerica , West Coast and other top tier insurers would be shocked to hear that they won’t sell you a policy if you’re “over about age 65?”

There is no penalty for being over age 50 when you are shopping for whole life insurance or term insurance. Don’t be led astray by financial columnists, insurance agents, financial planners or your friends. Do your own research.

Go online and run your own permanent life insurance quotes and term life insurance quotes. Review the underwriting guidelines, company ratings and the wealth of life insurance information available for your consideration. If you need life insurance, do a little digging and find the policy and price that work for you.