Unfortunately,
people over the age of 50 or with health problems may find it difficult to
acquire affordable term life or whole life insurance policies. With guaranteed
life insurance, however, anyone can purchase insurance coverage without even
having to take a medical exam.
Guaranteed
life insurance may be a good choice for you if any of the following statements
describe you:
· You have serious health problems
· You are over the age of 50
· You want a fixed premium
· You don't want to take a medical exam
· You want to provide heirs with financial security
Guaranteed,
Permanent Coverage
No matter where
you are in the world, guaranteed life insurance will be protecting you and
those you love most. That's one of the benefits that make these types of
policies so appealing.
Additionally,
you can acquire a policy for as much as $25,000 which will be paid to your
beneficiaries and can be used to settle your accounts, cover the cost of
your funeral, or tie up any loose ends in your estate. Plus, the death benefit
is tax-free, so your loved ones won't be burdened by a large tax bill.
Many people
shy away from guaranteed life insurance policies because they were once sold
door-to-door or by mail which usually meant dealing with agents and salespeople.
Now, you can apply for a guaranteed life policy online, so you won't have
to deal with any pushy salespeople or telemarketers, plus your policy will
be issued quickly so you and your family will be protected sooner than with
other purchasing methods.
Guaranteed
life policies are very affordable options, even if you are on a tight budget.
Low monthly payments can be made on the policies, and credit card payments
are even accepted for added convenience.
If you want
the peace of mind only financial security can bring, then apply for a guaranteed
life insurance policy today. Get a Guaranteed Life Insurance Quote.
Features
Of A Guaranteed Life Insurance Policy
CERTAINTY-LIFE
is a permanent, whole life, participating plan. This plan is designed for
individuals aged 18 to 85 who have difficulty obtaining insurance because
of health or other reasons.
Issue Age
18 to 85
Premium
Male and female rates
Maximum Issue
Age 18 to 80 = $25,000
81 to 85 = $10,000
Minimum Premium
$180 annual premium
Waiting Period
Age 18 to 49 = 3 years
50 to 85 = 2 years
Underwriting
Requirements
The insured, to the best of his knowledge does not have AIDS, AIDS Related
Complex (ARC) and during the last 2 (two) years, has not been diagnosed or
treated for any former of cancer and that he or she is not confined in a
hospital, clinic or nursing, rest or convalescent home.
Death Benefits
If death occurs, except for accidental cause, during the first 12 months,
the amount paid will be the accumulation of the premiums paid; during the
2nd or 3rd year, the amount paid will be the accumulation of the premiums
paid x 1,20 (based on age of issue).
Accidental Death
In case of accidental death prior to age 70, the benefits payable under this
policy are doubled. This extra benefit is included in the premium.
Guaranteed Capital And Premiums
The insured amount and the premiums are guaranteed and will never increase.
The premiums are payable for the duration of the life of the person to be
insured.
Guaranteed Cash Surrender Values And Reduced Paid-Up Values
Cash surrender values and reduced paid-up values begin at the end of the
third year of the policy.
Loan Value Available
Loan value is available through the cash surrender values.
Start here Get a Free Guaranteed life Insurance Quote Today!
