Guaranteed term life insurance

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Term Life Insurance Term life insurance is a cost-effective choice if you face growing responsibilities on a limited budget, expect your financial responsibilities to decrease after a limited period or want to free your funds for other uses. LifeHorizons Termsetter and Termsetter ROP (Return of Premium) offer a variety of options to provide you with flexibility to build an insurance program based on your individual insurance needs. Termsetter provides a level term death benefit with available guaranteed periods of 10, 15, 20, 25, and 30 years. Termsetter ROP features level term death benefits and guaranteed periods of 20, 25, and 30 years, including a money-back guarantee with the return of...

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What is Lifetime Guaranteed Term?

What is Lifetime Guaranteed Term? While most term life insurance is temporary, there are now policies that have level term “like” rates with lifetime guarantees. These policies “marry” the strengths of level term life insurance and traditional whole life insurance providing low cost long term protection. How Does Lifetime Guaranteed Term Life Insurance Work? Lifetime term provides a fixed life insurance amount at a guaranteed rate for your entire life as long as you pay your premiums on time. It offers cost effective rates like level term life but also offers the long term death benefit guarantees associated with whole life insurance. Lifetime term is actually a universal life policy with a...

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7 Warnings About Guaranteed Issue Life Insurance Infographic

Guarantees usually sound pretty great – they are like a formal promise. In this particular promise, Guaranteed Issue Life Insurance (GI), you have a pledge that your life insurance will be issued. Regardless of your circumstances – you can buy life insurance with no medical exam and no health questions. However, guarantees are only as good as the product that promise is backing. So, how good is Guarantee Issue Life Insurance? Turns out, this particular type of life insurance is recommended in only a few situations. Goal – Learn everything you need to know about Guaranteed Issue Life Insurance (also called Guaranteed Acceptance Life Insurance), including its pitfalls,...

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Life Insurance Resources

What is Term Life Insurance? Term life insurance is a type of life insurance that is temporary, as it covers only a specific period of time, the relevant term (5,10,15,20,25, or 30 years). It can be considered pure insurance because it builds no cash value. Term life insurance is also the lowest priced life insurance coverage on the market. Term life insurance offers the best life insurance value available by providing the largest amount of coverage with the least amount of premium dollars. For example, if you buy a $500,000, 20 year guaranteed term policy at age 40 for $1250 a year (annual premium), this means you will be covered until age 60 as long as you pay $1250 a year to the company...

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What is Guaranteed Universal Life Insurance?

Quick Article Guide Many people find whole life insurance to be too expensive. And while term life insurance can indeed be the perfect solution, concern often arises: “I like the price of term life insurance but am afraid of outliving it and being left without coverage later in life.” This is a very common concern, as living past the end of your term would leave your family without protection. Luckily, there is a middle ground between whole life insurance and term life insurance. Guaranteed universal life insurance is an increasingly popular choice for those looking to secure affordable long-term coverage. Read on to learn how you can get the cost benefits of term life with the security of...

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Guaranteed Issue Life Insurance - Term Life Insurance

Guaranteed Issue Life Insurance W e get tons of inquiries on our site of individuals looking for guaranteed issue term life insurance. In other words, they want to obtain life insurance without a medical exam. It sounds to good to be true. Is it? Yes and No. There are policies that will insure you without a medical exam. Please keep in mind that guarantee issued life insurance policies, would not classify as cheap life insurance. Far from it. The main reason is you do not have to answer any medical questions about yourself. If you are looking for a guaranteed issue policy, they typically do not require any medical questions to be answered. If you are looking for a simplified issue, or...

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Guaranteed Issue Life Insurance Truth Revealed Price Coverage Buy Life Insurance For Burial

Guaranteed Issue Life Insurance – Truth Revealed [Price & Coverage] Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly. If You Or A Loved One Has A Health Problem, And You’re Wondering If A Guaranteed Issue Plan Is Right (Or Wrong) For You, Then This Article Will Be Extremely Helpful You’re most likely watching this video because you’ve seen and heard this term guaranteed acceptance life insurance, no-questions-asked life insurance, or guaranteed issue life insurance coverage. Guaranteed acceptance...

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Guaranteed Term Life Insurance

Guaranteed Term Life Insurance The concept of guaranteed term life insurance can encompass a number of policy types, but the phrase most commonly refers to life insurance coverage with guaranteed approval. In other words, all applicants who meet a small set of criteria will have their applications approved for a certain amount of coverage without any medical exams or histories. Policies with guaranteed death benefits or guaranteed rates also fall under the umbrella of guaranteed term insurance. Each of these options is explained in further detail below. Guaranteed Issue Term Life Insurance A handful of insurers offer what is called guaranteed issue term life insurance, which allows...

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Penn Mutual Introduces Guaranteed Term 10-15-20 Life Insurance, Business Wire

HORSHAM, Pa.--( BUSINESS WIRE )--The Penn Mutual Life Insurance Company (Penn Mutual), the country ’ s second-oldest mutual life insurer, recently added Guaranteed Term 10-15-20 to its competitive line of life insurance and annuity products. Introduced to help consumers meet their immediate needs for financial protection and security with term insurance, the policy also provides them with options for permanent coverage in the future. All guarantees are based upon the claims-paying ability of the issuer. The fixed, or level, annual premium can make obtaining high levels of coverage surprisingly affordable. This makes it ideal for young families or new businesses with limited resources...

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Guaranteed Term Life Insurance Policy Provisions Explained

Guaranteed Term Life Insurance Policy Provisions Really Guaranteed Guaranteed term life insurance. One of the more loosely used terms when selling most any product is the word "guaranteed". Sometimes there is a measure of validity or worth of the product itself, sometimes not. On occasion it is simply a "hook" used to get the prospective buyers attention. Fortunately for the life insurance buyer the phrase "guaranteed term insurance" is for real. When a life insurance company says that certain values are guaranteed they certainly are... Guaranteed Term Life Insurance - By Contract! A life insurance company depends a great deal on reputation and as a result they try to write language in...

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