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Affordable Life Insurance

Life insurance rates have not changed in a long time. If you are looking for life insurance, there is always a policy that can be custom-designed to suit your needs.

An affordable life insurance policy is relative. Whatever works for you, works for us. As advisors, our role is limited to making sure that you fully understand what your life insurance plan can and cannot do for you. At the same time, we also make sure to bring you the most affordable and appropriate life insurance plans, term or permanent.

If term insurance is what you are looking for, you are at the right place. Usual terms are 10, 15, 20, 25, and 30 years. Based on age, American General (AIG) offers even longer term life options. Return of Premium term insurance is also available for most age groups.

In addition, if you are considering permanent life insurance (whole life insurance or universal life insurance) instead, we encourage you to contact us. Let us know what you want your life insurance to do for you. It is important to custom design the whole life and the universal life insurance  options to suit your need and affordability. If you are considering a universal life insurance that covers you for a lifetime, please visit SinglePremiumPlans.com for free quotes.

Life insurance carriers
As always, your premiums are subject to underwriting and are determined by your age, health, and lifestyle. State availability is a big factor in determining which insurance company is available to you. Please keep in mind that the best life insurance companies are the ones that have not only the kind of plan you need right now, but also a couple of options that you may want to convert to in future.

It is worth mentioning that sometimes the lowest premium term life insurance may not be the best plan for you.
No Medical Exam Life Insurance
Bestow Instant Issue life insurance
Ethos simplified issue and instant issue life insurance

No exam life insurance can be a great option for those in a rush and, those who hate needles. All burial insurance plans for seniors do not require a medical exam. To determine if a non-med life insurance is the right choice for you, please call us at 1.866.526.7264.

What is Simplified Issue Life Insurance

In order to qualify for simplified issue life insurance you only have to answer a few questions. There is no medical exam, No blood blood. No urine. With the information you provide on your application, the underwriter at the insurance company does a background check of your health history. Based on that, you risk class and the premium is determined. Instead of a few weeks to a few months that it takes to get an approval for traditional fully-underwritten life insurance plan, the decision in this case may take just a few days. A reasonably health is usually a requirement to qualify for simplified issue life insurance unless you are considering burial life insurance.

What is Instant Issue Life Insurance

It is similar to simplified issue life insurance where you only have to answer a few questions. There is no medical exam, No blood blood. No urine. With the information you provide on your application, the underwriter at the insurance company does an instant background check of your health history and other information. Based on that, you risk class and the premium is determined. The decision of approval or disapproval is made within minutes (usually while you finish completing the application).You need to be in almost perfect health to qualify for instant issue life insurance. Once again, for an instant issue burial insurance, you don’t to be in great health.

Life Insurance Rates

Most people ask a simple but honest question. “How much does life insurance cost?” Besides the fact that life insurance rates depend upon your age, health, and lifestyle, it is also important to consider that premiums can change drastically based on the kind of plan you choose.

Please refer to the following table as a quick reference for life insurance rates comparison of the most purchased life insurance plans. Premiums have been rounded for the sake of ease.

Life Insurance Rates Comparison

MALE | AGE: 35 | RISK CLASS: SUPER PREFERRED | NON-SMOKER 
Insure in MInutesReal-time Life Insurance Rates

Face amount: $1000,000
10 Years Term
(convertible to guaranteed universal and whole life)
$19 monthly
20 Years Term
(convertible to guaranteed universal and whole life)
$34 monthly
30 Years Term
(convertible)
$64 monthly
30 years
Refund of Premium Term
$132 monthly
Universal Life (pay only till 65)
(Lifetime of coverage without cash values)
$583 monthly
Whole Life (pay only till 65)
(Lifetime of coverage with cash values)
$1,446 monthly
Please note: The rates quoted are estimates and are subject to underwriting by the insurance carrier. Rates do not include optional riders. For a no-obligation consultation, call us at 1.866.526.7264.
If you are considering to pay only once for a single premium life insurance policy,
please call us at 1 866 526 7264 for a personalized quote.
Never pay another premium for the life of your life insurance policy.

FEMALE | AGE: 35 | RISK CLASS: SUPER PREFERRED | NON-SMOKER 
Insure in MInutesReal-time Life Insurance Rates

Face amount: $1000,000
10 Years Term
(convertible to guaranteed universal and whole life)
$16 monthly
20 Years Term
(convertible to guaranteed universal and whole life)
$28 monthly
30 Years Term
(convertible)
$51 monthly
30 years
Refund of Premium Term
$102 monthly
Universal Life (pay only till 65)
(Lifetime of coverage without cash values)
$502 monthly
Whole Life (pay only till 65)
(Lifetime of coverage with cash values)
$1,043 monthly
Please note: The rates quoted are estimates and are subject to underwriting by the insurance carrier. Rates do not include optional riders. For a no-obligation consultation, call us at 1.866.526.7264.

You Owe It to Them

Importantly, if you love someone who depends on you financially, you need to have a reasonable life insurance plan on yourself.

Most people are unaware of the fact that they can own multiple life insurance plans to protect different financial risks. While you can have a term policy to protect your mortgage, and another policy to protect your kid’s education, nothing stops you from also getting a permanent plan to make sure you leave behind a financial legacy no matter when you exit the planet. Moreover, layering your risk is always a good idea.

Your decision today may directly impact the well-being of your loved ones. As partners helping you make that decision, we serve our clients directly and do not gather your information to sell to third parties.

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