Chances are you’ve gotten conflicting quotes if you’ve shopped several online companies for Term Life Insurance. The varying estimates you receive are usually a result of how many — or how few — questions you answered to get your quotes. And which Term Life Companies the quoting firm represents.
The following facts can save you time, money, and often, spare you from disappointment:
- No matter what you are quoted, your final price will be determined by the Insurance company you choose. And this is done only after all relevant records and the results of your medical exam have been reviewed.
- Answering a handful of questions rarely leads to accurate quotes. Your price is influenced by dozens of factors including your health, your family health history, your occupation and even your hobbies.
- The more details a Term Life Insurance Agent knows about you up front, the more accurate your quote will be.
- Different Term Life Companies specialize in different “risks.” For example, some companies offer more reasonable rates for smokers or for people who take medication to control cholesterol or blood pressure. You want to make sure your quoting company offers a good choice of Term Life Companies for your particular needs.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Friday, September 28, 2007
Thursday, September 27, 2007
Life Insurance for Adult Dependent Children
For most families, the primary value of Life Insurance is to protect a spouse and children until their children have completed their education and are financially independent.
By the same token Life Insurance can provide needed financial security for adult dependent children long after both parents die. All it takes is a Life Insurance policy on one or both parents with enough coverage to provide income to their adult children as long as they are expected to live.
Term Life Insurance is usually your choice for this use, because it is so affordable. A prudent, independent Life Insurance agent who represents a number of highly rated companies can provide invaluable help.
He or she can help you determine how much coverage you need. Then impartially shop for your best rates.
SelectQuote is the oldest and largest Term Life Insurance company of this type.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
By the same token Life Insurance can provide needed financial security for adult dependent children long after both parents die. All it takes is a Life Insurance policy on one or both parents with enough coverage to provide income to their adult children as long as they are expected to live.
Term Life Insurance is usually your choice for this use, because it is so affordable. A prudent, independent Life Insurance agent who represents a number of highly rated companies can provide invaluable help.
He or she can help you determine how much coverage you need. Then impartially shop for your best rates.
SelectQuote is the oldest and largest Term Life Insurance company of this type.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Tuesday, September 25, 2007
The Life Insurance Secret most people don’t know
The proceeds from a Life Insurance policy enjoy a special benefit many people aren’t aware of.
They’re tax free.
And with Term Life Insurance prices at all time lows, there’s no more affordable way to give your family the financial security it needs. A quick, easy way to determine how cheap Term Life Insurance can be for you is to go online or call independent Term Life sales agencies.
Make sure the company you talk to represents a number of highly-rated Life Insurance companies. And that they base their quotes on detailed information you give them regarding you health, family health history and lifestyle.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
They’re tax free.
And with Term Life Insurance prices at all time lows, there’s no more affordable way to give your family the financial security it needs. A quick, easy way to determine how cheap Term Life Insurance can be for you is to go online or call independent Term Life sales agencies.
Make sure the company you talk to represents a number of highly-rated Life Insurance companies. And that they base their quotes on detailed information you give them regarding you health, family health history and lifestyle.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Monday, September 24, 2007
5 Top Questions about Life Insurance
1) Do I need a medical exam before getting a Life Insurance policy?
In most cases, yes. It’s free and the Life Insurance company you choose will send a paramedic to your home or office to perform the exam at your convenience. For tips on getting your best results go to; How to get the best results from your medical exam
2) How do I know how much Life Insurance is right for me?
Most people buy Life Insurance to replace income lost if a breadwinner dies. The most economical form of Life Insurance is “Term” Insurance. Many “needs calculators” are available online to give you an idea of what you should need. A licensed, impartial Term Life expert is also invaluable in helping you determine the Life Insurance company that offers the best prices for you.
3) I’m young and healthy. Why buy Life Insurance?
The younger you are and the better your health, the less your Life Insurance will cost. Not only that, you can lock in your low Term Life Insurance rates for up to 30 years. As long as you stay current with your premiums, your price will remain the same — even if your health declines.
4) I have a Life Insurance policy from my employer. Isn’t that enough? It depends on how much coverage you have. Also, if you change jobs, you may not be able to take your Insurance with you. If you change or lose your job, you may not be able to take your group insurance with you. You could have a health problem or risk factor at that time that could make a new Life Insurance policy very expensive. Even worse-you could be uninsurable. Finally, group Life Insurance policies can increase in price every year. Competition between Term Life companies is intense; prices are at all time lows. You may be able to save big money by buying through an independent company that shops for your best prices.
5) Wouldn’t I be better off investing the money I’d otherwise spend on Life Insurance?
Can you afford the risk? Stock prices rise and fall. The coverage provided by a Term Life Insurance policy is guaranteed. And with Term Life Insurance prices so low, you simply can’t find a more affordable way to give your family financial protection.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
In most cases, yes. It’s free and the Life Insurance company you choose will send a paramedic to your home or office to perform the exam at your convenience. For tips on getting your best results go to; How to get the best results from your medical exam
2) How do I know how much Life Insurance is right for me?
Most people buy Life Insurance to replace income lost if a breadwinner dies. The most economical form of Life Insurance is “Term” Insurance. Many “needs calculators” are available online to give you an idea of what you should need. A licensed, impartial Term Life expert is also invaluable in helping you determine the Life Insurance company that offers the best prices for you.
3) I’m young and healthy. Why buy Life Insurance?
The younger you are and the better your health, the less your Life Insurance will cost. Not only that, you can lock in your low Term Life Insurance rates for up to 30 years. As long as you stay current with your premiums, your price will remain the same — even if your health declines.
4) I have a Life Insurance policy from my employer. Isn’t that enough? It depends on how much coverage you have. Also, if you change jobs, you may not be able to take your Insurance with you. If you change or lose your job, you may not be able to take your group insurance with you. You could have a health problem or risk factor at that time that could make a new Life Insurance policy very expensive. Even worse-you could be uninsurable. Finally, group Life Insurance policies can increase in price every year. Competition between Term Life companies is intense; prices are at all time lows. You may be able to save big money by buying through an independent company that shops for your best prices.
5) Wouldn’t I be better off investing the money I’d otherwise spend on Life Insurance?
Can you afford the risk? Stock prices rise and fall. The coverage provided by a Term Life Insurance policy is guaranteed. And with Term Life Insurance prices so low, you simply can’t find a more affordable way to give your family financial protection.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Friday, September 21, 2007
Questions to ask about Life Insurance from Work
1. Can you take your Life Insurance with you? Many group policies end when you end your employment. And, if you can continue with your group Life Insurance, how much will it cost?
2. How much Life Insurance coverage do you have? Is it enough to replace your income if something happened to you? Here’s a sobering fact, most investments today that guarantee to protect your principal pay less than 5%.
That means if you make $50,000 a year it could take $1,000,000 in Life Insurance proceeds to replace your income. Fortunately, Term Life Insurance rates are pretty cheap these days, so you may be able to afford much more than you think.
3. Who pays for your group Life Insurance? Your employer? You? Partly your employer and partly you”? If you participate in the cost, consider how the following applies to you.
Most Life Insurance policies from work don’t require medical exams. Which means the Life Insurance companies that issue them set their prices “in the middle” knowing they’re going to have a mixture of good and bad health risks.
This is good news for folks with health problems. But, healthy people may be better off shopping for Term Life Insurance on their own.
Regular Life Insurance companies determine your price on your personal profile — your health, your family health history, etc. If you’re in pretty good health, and you pay for all or a good part of your Group Life Insurance, you’ll likely save money buying your own.
An easy way to find out is to go online and get free quotes from an independent sales agency that represents a number of highly rated Life Insurance companies. SelectQuote.com is the oldest and most experienced company of this type.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
2. How much Life Insurance coverage do you have? Is it enough to replace your income if something happened to you? Here’s a sobering fact, most investments today that guarantee to protect your principal pay less than 5%.
That means if you make $50,000 a year it could take $1,000,000 in Life Insurance proceeds to replace your income. Fortunately, Term Life Insurance rates are pretty cheap these days, so you may be able to afford much more than you think.
3. Who pays for your group Life Insurance? Your employer? You? Partly your employer and partly you”? If you participate in the cost, consider how the following applies to you.
Most Life Insurance policies from work don’t require medical exams. Which means the Life Insurance companies that issue them set their prices “in the middle” knowing they’re going to have a mixture of good and bad health risks.
This is good news for folks with health problems. But, healthy people may be better off shopping for Term Life Insurance on their own.
Regular Life Insurance companies determine your price on your personal profile — your health, your family health history, etc. If you’re in pretty good health, and you pay for all or a good part of your Group Life Insurance, you’ll likely save money buying your own.
An easy way to find out is to go online and get free quotes from an independent sales agency that represents a number of highly rated Life Insurance companies. SelectQuote.com is the oldest and most experienced company of this type.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Thursday, September 20, 2007
Suze Orman on Life Insurance
The following except is from a Suze Orman column in the Seattle Post Intelligencer,
May 23, 2007.
As for other ways to protect yourself and your loved ones against loss, one
of the easiest is to make sure you have Life Insurance. Although there are many
kinds (such as whole or universal life), the only type you need is Term Insurance, because it's simple and affordable. Other plans include investing components, but you'd do better to buy the cheaper Term policy and invest on your own.
As its name implies, a Term policy is one you buy for a set time period tied to a specific need. For example, if you want to provide for a baby until he or she graduates from college, you might buy a 25-year Term policy. If you die within that period, the guardian would receive a payout to support the child. Make sure the policy is guaranteed renewable and that it has a level premium, meaning your annual payments won't rise for the duration of the policy.
Use the "rule of 20" to determine the death benefit. You want the beneficiary to be able to invest the payout and live off the income, so he or she doesn't have to worry about tapping into the principal. That means the death benefit should be 20 times the annual income you need to replace. If the goal is to replace $50,000 in annual income, you'd want to buy a $1 million policy.
A 40-year-old woman in good health could get that coverage for about $100 a month. That way, the $1 million payoff could be invested in high-quality municipal bonds - which today pay about 5 percent interest - and generate the needed income. You can shop online for Term Life Insurance at Web sites such as accuquote.com and selectquote.com.
Suze Orman is a best-selling author and award-winning broadcaster. She can be contacted through suzeorman.com.
© Suze Orman, a Trustee of the Suze Orman Revocable Trust. All rights reserved.
SelectQuoe has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Posted by permission of the author.
May 23, 2007.
As for other ways to protect yourself and your loved ones against loss, one
of the easiest is to make sure you have Life Insurance. Although there are many
kinds (such as whole or universal life), the only type you need is Term Insurance, because it's simple and affordable. Other plans include investing components, but you'd do better to buy the cheaper Term policy and invest on your own.
As its name implies, a Term policy is one you buy for a set time period tied to a specific need. For example, if you want to provide for a baby until he or she graduates from college, you might buy a 25-year Term policy. If you die within that period, the guardian would receive a payout to support the child. Make sure the policy is guaranteed renewable and that it has a level premium, meaning your annual payments won't rise for the duration of the policy.
Use the "rule of 20" to determine the death benefit. You want the beneficiary to be able to invest the payout and live off the income, so he or she doesn't have to worry about tapping into the principal. That means the death benefit should be 20 times the annual income you need to replace. If the goal is to replace $50,000 in annual income, you'd want to buy a $1 million policy.
A 40-year-old woman in good health could get that coverage for about $100 a month. That way, the $1 million payoff could be invested in high-quality municipal bonds - which today pay about 5 percent interest - and generate the needed income. You can shop online for Term Life Insurance at Web sites such as accuquote.com and selectquote.com.
Suze Orman is a best-selling author and award-winning broadcaster. She can be contacted through suzeorman.com.
© Suze Orman, a Trustee of the Suze Orman Revocable Trust. All rights reserved.
SelectQuoe has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Posted by permission of the author.
Wednesday, September 19, 2007
Good scores on your Life Insurance physical can pay off big
We used a $500,000 policy from Banner Life* with a 20 year term. as an example. A 45-year-old male would pay $1,205 a year for this policy he qualified for the Standard class rate.
But his rate would only be $755 a year if qualified for the Preferred Plus class rate. That’s a savings of over $450 a year.
When you multiply this over the 20 year term of the policy, it adds up to a saving of $9,100!
The thing that has a great influence on your rating is how you do on your Life Insurance medical exam. For tips on how to make the most of your exam, see the SelectQuote blog, "Six ways to Ace your medical exam ."
By the way, Life Insurance lab results are completely confidential, but you have a right to the results. Just let SelectQuote or any company from whom you buy your policy that you want your results.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
*Banner OPTerm 20-Year: OPTerm 10 issue ages 20-80. OPTerm 15 issue ages 20-70. Opterm 20 issue ages 20-65 and 20-62 Oregon only. OPTerm 30 issue ages 20-50 and 20-45 Oregon tobacco classes only. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 annual policy fee. Premiums are guaranteed to stay level for 10, 15, 20, or 30 years, respectively, and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. OPTerm 10, 15 and 20 substandard policies can be issued through Table 4. OPTerm 30 substandard policies can be issued through Table 12. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Forms and policy provisions vary by state. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 8-14-07. Advertising Compliance #07-082
But his rate would only be $755 a year if qualified for the Preferred Plus class rate. That’s a savings of over $450 a year.
When you multiply this over the 20 year term of the policy, it adds up to a saving of $9,100!
The thing that has a great influence on your rating is how you do on your Life Insurance medical exam. For tips on how to make the most of your exam, see the SelectQuote blog, "Six ways to Ace your medical exam ."
By the way, Life Insurance lab results are completely confidential, but you have a right to the results. Just let SelectQuote or any company from whom you buy your policy that you want your results.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
*Banner OPTerm 20-Year: OPTerm 10 issue ages 20-80. OPTerm 15 issue ages 20-70. Opterm 20 issue ages 20-65 and 20-62 Oregon only. OPTerm 30 issue ages 20-50 and 20-45 Oregon tobacco classes only. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 annual policy fee. Premiums are guaranteed to stay level for 10, 15, 20, or 30 years, respectively, and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. OPTerm 10, 15 and 20 substandard policies can be issued through Table 4. OPTerm 30 substandard policies can be issued through Table 12. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Forms and policy provisions vary by state. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 8-14-07. Advertising Compliance #07-082
Tuesday, September 18, 2007
Buying Life Insurance: 6 Costly Mistakes
1. Buying too much Life Insurance.
New parents and new homeowners are susceptible here because you feel especially vulnerable. Get out your calculator. What are your expenses? How much are they likely to increase as time goes by? Is there another earner in your family? How much of the expense can they handle without you? Come up with realistic numbers before you go shopping for Life Insurance.
2. Buying too little Life Insurance.
Classic worst-case scenario: Breadwinner dies with little or no Life Insurance. Nonworking parent has to get a job after years out of the work force; has to pay for child care; sell the house to reduce mortgage payments; cut corners on cars, vacations, clothing, maybe even food; trim plans for the kids’ education. It’s scary, but it happens – way too often.
3. Buying Life Insurance for too long a time.
Some people think the only kind of Life Insurance to buy is “permanent.” But permanence costs money. The Life Insurance company takes extra risk – and charges you for it – because they don’t know how long you’ll live. Many people don’t need Life Insurance after their kids are through school and their assets have built up. So they don’t have a permanent need for Life Insurance. (Suze Orman suggests you have Life Insurance until your youngest child is 24 years old.)
4. Buying Life Insurance for too short a time.
The danger with not getting a policy that lasts long enough to give your family the financial security it needs, is that once your policy runs out it could cost a lot of money to get another one Assuming you’re in excellent health, a 10-year term at 35 may cost you $280 a year for $1 million in coverage. 10-year term at 45, same million-dollar coverage, could be $600 a year – more than 100% higher.* That assumes you’re still in great health. Of course, there’s always the chance your health may change in that 10 years so that Life Insurance could be much higher – or can’t be bought at any price.
5. Buying Life Insurance too late.
People tend to procrastinate when it comes to Life Insurance – which can be very expensive. Almost every year you grow up, your cost for Life Insurance grows up. To say nothing of what you would have to pay if you suffer a health problem, your rate could go up or you can’t get insurance at all. Don’t take chances. It could cost you plenty.
6. Not shopping around.
You should do “brand shopping” and “price shopping.” Over 1,000 companies sell Life Insurance in America. Each is rated for financial security. And each could have a different price for you. Your best bet is to select a reputable independent sales agency, for example www.selectquote.com and have them do the shopping for you. There’s no cost or obligation.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
* Banner OPTerm 10-Year: OPTerm 10 issue ages 20-80. OPTerm 15 issue ages 20-70. Opterm 20 issue ages 20-65 and 20-62 Oregon only. OPTerm 30 issue ages 20-50 and 20-45 Oregon tobacco classes only. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 annual policy fee. Premiums are guaranteed to stay level for 10, 15, 20, or 30 years, respectively, and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. OPTerm 10, 15 and 20 substandard policies can be issued through Table 4. OPTerm 30 substandard policies can be issued through Table 12. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Forms and policy provisions vary by state. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 8-14-07. Advertising Compliance #07-081
New parents and new homeowners are susceptible here because you feel especially vulnerable. Get out your calculator. What are your expenses? How much are they likely to increase as time goes by? Is there another earner in your family? How much of the expense can they handle without you? Come up with realistic numbers before you go shopping for Life Insurance.
2. Buying too little Life Insurance.
Classic worst-case scenario: Breadwinner dies with little or no Life Insurance. Nonworking parent has to get a job after years out of the work force; has to pay for child care; sell the house to reduce mortgage payments; cut corners on cars, vacations, clothing, maybe even food; trim plans for the kids’ education. It’s scary, but it happens – way too often.
3. Buying Life Insurance for too long a time.
Some people think the only kind of Life Insurance to buy is “permanent.” But permanence costs money. The Life Insurance company takes extra risk – and charges you for it – because they don’t know how long you’ll live. Many people don’t need Life Insurance after their kids are through school and their assets have built up. So they don’t have a permanent need for Life Insurance. (Suze Orman suggests you have Life Insurance until your youngest child is 24 years old.)
4. Buying Life Insurance for too short a time.
The danger with not getting a policy that lasts long enough to give your family the financial security it needs, is that once your policy runs out it could cost a lot of money to get another one Assuming you’re in excellent health, a 10-year term at 35 may cost you $280 a year for $1 million in coverage. 10-year term at 45, same million-dollar coverage, could be $600 a year – more than 100% higher.* That assumes you’re still in great health. Of course, there’s always the chance your health may change in that 10 years so that Life Insurance could be much higher – or can’t be bought at any price.
5. Buying Life Insurance too late.
People tend to procrastinate when it comes to Life Insurance – which can be very expensive. Almost every year you grow up, your cost for Life Insurance grows up. To say nothing of what you would have to pay if you suffer a health problem, your rate could go up or you can’t get insurance at all. Don’t take chances. It could cost you plenty.
6. Not shopping around.
You should do “brand shopping” and “price shopping.” Over 1,000 companies sell Life Insurance in America. Each is rated for financial security. And each could have a different price for you. Your best bet is to select a reputable independent sales agency, for example www.selectquote.com and have them do the shopping for you. There’s no cost or obligation.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
* Banner OPTerm 10-Year: OPTerm 10 issue ages 20-80. OPTerm 15 issue ages 20-70. Opterm 20 issue ages 20-65 and 20-62 Oregon only. OPTerm 30 issue ages 20-50 and 20-45 Oregon tobacco classes only. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 annual policy fee. Premiums are guaranteed to stay level for 10, 15, 20, or 30 years, respectively, and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. OPTerm 10, 15 and 20 substandard policies can be issued through Table 4. OPTerm 30 substandard policies can be issued through Table 12. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Forms and policy provisions vary by state. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 8-14-07. Advertising Compliance #07-081
Monday, September 17, 2007
6 ways to Ace your Life Insurance Medical Exam
The results of your Life Insurance physical have a big influence what rate you’ll pay.. Here are some easy ways to make sure you do your best.
1. Drink 8 or more glasses daily for at least two days before your exam. Avoid eating or drinking anything except water for 8 to 12 hours before you’re tested.
2. Schedule the exam the morning in your home or office — wherever you’re most relaxed. Being relaxed will help lower your blood pressure.
3. Another way to lower your blood pressure is to have the exam technician take it last, after you’ve answered all the health questions, given a urine sample, etc. You’re usually much more relaxed then.
4. Avoid strenuous exercise for at least 24 hours before the exam. If an hour on the Stairmaster or at the gym is part of your daily routine, give yourself the day off. Exercise can temporarily elevate blood pressure.
5. Eating right for a few days before the exam might make a notable difference in your cholesterol reading. Stay away from fatty foods, rich desserts and alcohol for three or four days. Go for the green leafies, fresh fruits and whole grains.
6. If you take any medications, stay on your regular schedule – including the day of the exam. Especially if you take medicine to control cholesterol or blood pressure.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
1. Drink 8 or more glasses daily for at least two days before your exam. Avoid eating or drinking anything except water for 8 to 12 hours before you’re tested.
2. Schedule the exam the morning in your home or office — wherever you’re most relaxed. Being relaxed will help lower your blood pressure.
3. Another way to lower your blood pressure is to have the exam technician take it last, after you’ve answered all the health questions, given a urine sample, etc. You’re usually much more relaxed then.
4. Avoid strenuous exercise for at least 24 hours before the exam. If an hour on the Stairmaster or at the gym is part of your daily routine, give yourself the day off. Exercise can temporarily elevate blood pressure.
5. Eating right for a few days before the exam might make a notable difference in your cholesterol reading. Stay away from fatty foods, rich desserts and alcohol for three or four days. Go for the green leafies, fresh fruits and whole grains.
6. If you take any medications, stay on your regular schedule – including the day of the exam. Especially if you take medicine to control cholesterol or blood pressure.
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
Friday, September 14, 2007
4 Facts you need to know before buying Term Life Insurance
1. Your price is based on your “risk” profile — your age, height and weight, health, family health history, occupation and hobbies. To get your best price, your agent needs detailed and accurate information on all the above.
2. Any upfront “Quote” is an estimate, not a firm price. Your final price is determined by the Insurance company you select, after it has reviewed your application and medical results. The more accurate and detailed the information you give upfront, the more accurate your Quote will be.
3. Different Term Life Insurance companies may have different prices for the same risk profile. By finding the best company for you out of the over 1,000 companies that offer Term Life Insurance, you may be able to save hundreds of dollars a year for the same coverage.
4. All Term Life Insurance Companies are independently rated for financial stability. Most financial advisors recommend you choose a company rated A- to A++ by
A.M. Best. *
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
* A.M. Best Company: These ratings represents A.M. Best's opinion of the insurer's financial strength annd ability to meet ongoing obligations to policyholders, and is not an implied warranty of the company's ability to meet its financial obligations. A.M. Best is an independent rating organization that has assigned its financial strength rating based on a variety of factors, including operating performance, asset quality, financial flexibility, and capitalization. Ratings are current as of 01/04/2007. Current ratings may be viewedat www.ambest.com.
2. Any upfront “Quote” is an estimate, not a firm price. Your final price is determined by the Insurance company you select, after it has reviewed your application and medical results. The more accurate and detailed the information you give upfront, the more accurate your Quote will be.
3. Different Term Life Insurance companies may have different prices for the same risk profile. By finding the best company for you out of the over 1,000 companies that offer Term Life Insurance, you may be able to save hundreds of dollars a year for the same coverage.
4. All Term Life Insurance Companies are independently rated for financial stability. Most financial advisors recommend you choose a company rated A- to A++ by
A.M. Best. *
SelectQuote has exclusive videos of Suze Orman offering impartial advice on buying Life Insurance.
* A.M. Best Company: These ratings represents A.M. Best's opinion of the insurer's financial strength annd ability to meet ongoing obligations to policyholders, and is not an implied warranty of the company's ability to meet its financial obligations. A.M. Best is an independent rating organization that has assigned its financial strength rating based on a variety of factors, including operating performance, asset quality, financial flexibility, and capitalization. Ratings are current as of 01/04/2007. Current ratings may be viewedat www.ambest.com.
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