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A Quick Comparison of Premiums

Latino family
April 1, 2023 by Dan Kampani No Comments

Life Insurance Quotes

Here is a quick comparison of premiums between term life and whole life and guaranteed permanent  universal life. To create these quotes, carefully selected, highly competitive carriers are used. This table below is able to offer some clarity on what to expect from various guaranteed life plans. I offered these options to a real client of mine. See the rounded premiums below.

Life Insurance Premiums

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.

The lowest premium term life plan may not be the best option for you.

When you see an ad on TV promising hundreds of thousands of dollars worth of term life insurance for a ridiculously low price, you need to keep in mind that they are only throwing a bone at you to call them. These ads only promote a 10-year term plan for those in perfect health (super preferred risk class). Obviously, the low premium quoted makes it look like a breeze to buy life insurance. There are a lot of good life insurance advisors out there to serve your best interest. It is important to talk to them in detail before taking a life policy.

Life Insurance - Bottom Line

A man thinking

The premium difference is obviously huge. While there is no right or wrong life insurance plan, it is what you need and can afford that dictate the kind of life insurance plan you should go for. Life insurance can work as a mortgage protection vehicle, something to protect a loan, or an estate planning tool. Term life insurance plan can hardly take care of the death tax or estate tax issue. To take care of that, you must look into a guaranteed permanent life insurance option as a guaranteed financial legacy. Limited premium or single pay whole life and universal life insurance plans are very useful for those looking into covering estate tax through life insurance.

4 Truths about Life Insurance

  1. Premiums always remain level during the duration of a term in term life plan.
  2. Universal life and whole life plans are usually custom-designed to suit your needs and affordability.
  3. All quotes are subject to underwriting, age and state availability.
  4. Always ask for optional riders that may enhance the value of your life insurance policy.

Conclusion

Purchasing life insurance is a major financial decision. Let not a few sleek TV ads or aggressive marketing sway you. A quick comparison of premiums, and what a life insurance plan can or cannot do for you is very important. Talk about your current and future family protection needs to a professional before you buy one. In a remote work environment, always ask for a virtual meeting.

FREQUENTLY ASKED QUESTIONS (FAQ)

Term life insurance is a type of life insurance that provides coverage for a specified period of time, usually ranging from one to thirty years. If the policyholder passes away during the term of the policy, the beneficiaries will receive a death benefit payout.

Term life insurance is different from other types of life insurance such as whole life insurance or universal life insurance, which provide coverage for the policyholder’s entire life and may also have a savings or investment component.

The amount of term life insurance coverage you need will depend on a number of factors, including your income, debts, and the financial needs of your dependents. A financial advisor or insurance agent can help you determine the appropriate amount of coverage for your specific needs.

The cost of term life insurance will depend on a number of factors, including your age, health, and the amount of coverage you need. Generally, term life insurance is more affordable than other types of life insurance, especially for younger and healthier individuals.

Most term life insurance policies are renewable, but the premiums may increase as you get older. Some policies may also have the option to convert to a permanent life insurance policy.

If you outlive your term life insurance policy, the coverage will expire and you will not receive a death benefit payout. Some policies may have the option to renew or convert to a permanent life insurance policy.

There are several types of life insurance available, including term life insurance, whole life insurance, and universal life insurance. Each type of insurance has its own benefits and drawbacks, so it’s important to speak with a financial advisor or insurance agent who can help you determine which type of insurance is best for your needs.

If you’re single and don’t have any dependents, you may not need life insurance. However, if you have outstanding debts or want to leave a financial legacy for your loved ones or a charitable cause, life insurance may still be beneficial.

When choosing a life insurance policy, it’s important to consider your financial needs and goals, as well as the features and benefits of the policy. It’s a good idea to speak with a financial advisor or insurance agent who can help you understand your options and make an informed decision.

That means you give us a call at 1.866.526.7264.

It’s difficult to say which life insurance company is the best, as there are many factors to consider and the best company for one person may not be the best for another. Some of the factors to consider when choosing a life insurance company include:

  1. Financial strength and stability: Look for a company that has a strong financial rating from independent rating agencies such as A.M. Best or Standard & Poor’s.

  2. Product offerings: Choose a company that offers the types of life insurance policies that meet your needs and goals.

  3. Customer service: Look for a company that has a reputation for good customer service and responsiveness.

  4. Pricing: Compare quotes from several different companies to ensure that you’re getting a competitive price for the coverage you need.

  5. Company reputation: Consider the company’s reputation within the industry and among its customers.

We serve our customers with over 20 top-rated carefully selected insurance carriers. It would be unfair name a few a leave the others.

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Return of Premium Term

Return of Premium
March 14, 2023 by Dan Kampani No Comments

What is Return of Premium Term Life Insurance?

Return of premium term life is a kind of term life insurance that refunds your paid premiums upon maturity of the term.
If term life insurance is like paying rent or fee for service, return of premium term (ROP term) is like getting your payments back. It’s that simple. Only a handful of life insurers in the market offer this coverage. The only downside is that you are going to pay higher premium for the right to receive a refund. The upside is that you would lose nothing at the end of the term.

How much does return of premium term cost?

Coverage Amount:$500,000
at Preferred Risk
Length of Term: 30		Return of Premium
Term
[Monthly Cost]		Return of Premium
Term
[Monthly Cost]
AGEMALEFEMALE
35$75.69$59.60
40
$119.63$92.22
45$187.05$139.20
50$312.77$230.12

Click here for a sample PDF illustration of ROP term life insurance.

As you can see the cost involved in buying a return of premium term life insurance is definitely higher than the the traditional term life. So, is it worth it? I think it depends upon your affordability, risk tolerance and individual tax-bracket.

Get real-time Quotes for Life Insurance

Click on the Length of Coverage field and choose the kind of life insurance plan you are looking for. Return of Premium Term plans have ROP in the end.

 

FREQUENTLY ASKED QUESTIONS (FAQ)

Return of Premium Term (ROP) life insurance is a type of term life insurance that returns the premiums paid by the policyholder at the end of the term if the policyholder does not die during the coverage period.

ROP life insurance works like regular term life insurance, but with the added benefit of a return of premiums feature. If the policyholder outlives the term of the policy, they receive a refund of all the premiums paid.

Whether or not ROP life insurance is worth it depends on your individual needs and financial situation. ROP policies tend to be more expensive than traditional term life insurance policies, but they can be a good option for those who want the added benefit of a refund of premiums.

The cost of ROP life insurance will depend on a number of factors, including your age, health, and the amount of coverage you need. ROP policies tend to be more expensive than traditional term life insurance policies, but they can be a good option for those who want the added benefit of a refund of premiums.

For a reference, please look at the the premium table on this page.

If you cancel your ROP life insurance policy before the end of the term, you may not receive a refund of premiums, or receive partially refund based on for how long your policy was active. However, if you outlive the term of the policy, you will receive a refund of all the premiums paid.

If you outlive your term life insurance policy, the coverage will expire and you will not receive a death benefit payout. Some policies may have the option to renew or convert to a permanent life insurance policy.

When choosing between ROP life insurance and traditional term life insurance, it’s important to consider your individual needs and financial situation. ROP policies tend to be more expensive than traditional term life insurance policies, so you’ll need to weigh the added benefit of a refund of premiums against the higher cost of the policy.

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How Do I Claim a Funeral Policy?

Senior citizens
March 13, 2023 by Dan Kampani No Comments
Claiming a funeral policy is simpler than you think. Usually, it takes about 3-6 weeks to process the claim.

Steps to claim a funeral policy in 2024

  • Notify the insurance company: The first step is to notify the insurance company of the policyholder’s death. You can usually do this by phone or online, and the insurance company will provide you with instructions on how to proceed with the claim.
  • Gather necessary documents: You will typically need to provide the insurance company with a copy of the death certificate, as well as any other documents required by the policy. These may include the policy document, proof of identity, and proof of relationship to the policyholder.
  • Submit the claim: Once you have gathered all necessary documents, you will need to submit the claim to the insurance company. This can usually be done online or by mail, and the insurance company will provide you with instructions on how to do this.
  • Wait for the claim to be processed: Once the insurance company has received your claim, they will review it to ensure that it meets the policy requirements. This may involve verifying the cause of death and confirming that the policy was in force at the time of death. This all may sound complicated, but it actually is not. People have received checks from the carrier in less than a month.
  • Receive payment: If the claim is approved, the insurance company will typically pay out the benefit amount to the designated beneficiary. This can usually be done through a lump-sum payment or as a series of payments, depending on the policy terms.

Learn more about Burial Insurance
Burial insurance companies

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Best Burial and Final Expense

Burial insurance for seniors
March 12, 2023 by Dan Kampani No Comments
If any source gives you a list of the 'best' burial insurance companies, that source either doesn't know what it's talking about, has personal interest in selling you those companies, or worst of all, has been paid to lie to you.

Best Burial Insurance for Seniors in 2023

There are around one hundred life insurance companies with dedicated burial insurance plans. When you go online and search for the best burial insurance companies for seniors, all you get is a bunch of websites offering you their favorites.

It is easy to believe what you see online at a ‘credible’ website. The generic use of the word ‘best’ for the companies they offer is just misleading. The right word to use is ‘suitable’.  What is the best for one may not work for another.

Which is the best burial insurance company?

  • the one that has been in business for a while;
  • has the right kind of plan for you and,
  • you happen to qualify for that plan at an affordable rate. 

There usually is an underwriting guideline that disqualifies you with one company, but qualifies with you another.

For example, if someone is 5′ 11″ tall and 380 lbs., the fact is that most companies will either deny coverage or offer a graded/modified burial policy. There are a very small number of companies that don’t underwrite based on height and weight chart. The only option left in this case is to go to one of those companies for burial insurance and see if it qualifies you.

Now, is it going to be affordable?

That’s up to you. Affordability is relative. The premium of a life insurance policy, including burial insurance is based on age, health and lifestyle. How much coverage you are looking for also matters.

Matching you with the a company that offers you the best burial insurance option at a price you can afford is what an insurance agent supposed to do.

Many a times, I have talked to people who are set on getting a certain about of coverage but can’t afford that. Sometimes they give up in frustration, and keep going without a financial protection for the the loved ones who might have to beg, borrow or, steal to give them a decent burial in the end.

I am taking insulin for diabetes. But otherwise, I am in perfect health.

It is interesting how many times I have heard a statement like that. I am always smiling when I hear that over the phone. The fact is, forget about diabetes, heart attack, cancer or stroke, if you just have high blood pressure, you are not well.

So which insurance company will be the best fit for you?

The other factors that play a role in that decision are:

  • the method of premium payment, and
  • the total amount of coverage you want.

Not every insurance company will accept a credit card, debit card, or a Direct Express card. But everyone accepts a checking or savings account. So, in this case, the most suitable and best burial insurance company is the one that takes your premium using the payment method that best suits you.

Learn more about Burial Insurance
Burial insurance companies

PLEASE NOTE:
This is how a blog that doesn’t have your best interest in mind, reads like: MISLEADING BLOG

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Guaranteed Issue Burial Insurance

Guaranteed acceptance burial insurance. No exam. No health questions.
September 30, 2021 by Dan Kampani No Comments
Guaranteed Issue Burial Insurance, also known as Guaranteed Acceptance is a whole life insurance policy designed for those who, due to chronic or other serious health conditions, cannot qualify for final expense insurance.
No exam. No health questions. No decline.

The Truth about Guaranteed Issue Burial Insurance

SPECIAL FEATURES

      • Available for those between the age of 40 – 80
      • Cash value whole life policy for amounts between $2,000 – $35,000
      • Two-year modified death benefit
      • No health questions
      • No medical exam
      • You cannot be declined

Guaranteed Acceptance and Waiting Period

Factually speaking, there are no guaranteed issue final expense plans without a waiting period. Usually, it lasts about two years. If the insured dies in the first two years, the insurance company will add a 10% interest (depending upon the carrier) on the paid premiums and send a refund to the beneficiary. A lot of people object to the waiting period, and want their burial insurance policy to pay full death benefit immediately.

It is possible to get a coverage without a waiting period. All you have to do is to apply when your health is not in a shambles. I am sure all of us know that insurance companies are not charitable organizations. Like everyone else, they also play by the numbers game. Having said that, please keep in mind that the majority of those looking for burial life insurance do qualify for plans without a waiting period.

Many a times, I hear angry prospects telling me that they would rather put their money in the bank. Well, I would like to know which bank will give you 10% interest on your deposit for the first two years, and then upon your death, offer the entire principal income-tax free.

Apply for Burial Insurance 

How much does Guaranteed Issue (guaranteed acceptance) burial insurance cost?

The cost of burial insurance for seniors depends on four factors:

  1. your age
  2. your health(which in case of guaranteed acceptance is irrelevant)
  3. the state you live in, and
  4. the amount of coverage you want.

Here are a few examples of the rates from a few of the most affordable A or A+ rated insurers. The premiums have been rounded to the nearest 100. Subject to change by the insurance company.

Guaranteed Acceptance Burial Insurance Rates

AGEMale
$15,000
Guaranteed Acceptance
APPLY NOW		Female
$15,000
Guaranteed Acceptance
APPLY NOW
40$73$59
41$74$60
42$77$63
43$79$65
44$80$67
45$82$68
46$83$69
47$84$70
48$87$72
49$87$73
50$66$51
51$71$55
52$75$58
53$80$61
54$83$64
55$86$66
56$89$69
57$91$71
58$93$73
59$94$75
60$95$76
61$102$81
62$109$85
63$115$88
64$121$91
65$127$93
66$133$98
67$137$102
68$141$106
69$145$110
70$148$113
71$162$124
72$175$134
73$187$144
74$199$154
75$209$162
76$244$185
77$273$207
78$278$228
79$308$207
80$308$264

Here is an an example of guaranteed issue or guaranteed acceptance burial insurance application.

Apply for Burial Insurance

There are four kinds of final expense or burial insurance plans. All of these require no exam to qualify. But only the guaranteed acceptance burial insurance asks no health questions. The table below offers a clarity on the premium comparison. If you have any questions, give us a call at 866.526.7264.

Types of Final Expense Plans and their Rates

MONTHLY RATES | AGE: 65
TYPE OF COVERAGE
Insure in MInutes		Face amount: $15,000

Male/Female
Level Benefit Whole Life
Minor health issues
NO WAITING PERIOD
(just answer a few questions to qualify)		$62.90 / $53.61
Modified Benefit Whole Life
Minor to serious health issues
TWO YEARS WAITING
(just answer a few questions to qualify)		$93.18 / $72.42
Graded Benefit Whole Life
Minor to serious health
TWO YEARS WAITING
(just answer a few questions to qualify)		$107.54 / $82.54
Guaranteed Acceptance Whole Life
Uninsurable health
TWO YEARS WAITING
(no questions asked)		$127.28 / $93.45
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.

Top Insurance Companies that Offer Guaranteed Acceptance in 2024

  1. AIG
  2. Gerber Life
  3. Great Western

The following burial insurance quote engine quotes guaranteed acceptance final expense plans. If your health is in a reasonable shape, and you can qualify for other burial insurance plans as well, you will need to talk to a licensed professional (866.526.7264) to find out which final expense insurance plans you will qualify for. In order to an idea of premiums, please visit our BURIAL INSURANCE PAGE to run real time quotes for all types of plans. Remember, the premium and plan availability depend entirely upon your age, health, the state you live in, and the amount of coverage you are looking for.

PLEASE NOTE
By regulatory laws, agents and brokers offering life insurance products cannot charge a fee for service from a client. Therefore, your premium is exactly what an insurance company asks for and not a penny more.

Best burial insurance companies

SPECIAL NOTE: Apply for FEMA COVID-19 Funeral Assistance Helpline. Call 844-684-6333 | TTY: 800-462-7585 to see if you qualify.

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The Goodman Triangle

The Goodman Triangle and and Gift Tax
July 16, 2021 by Dan Kampani No Comments

The Goodman Triangle Explained

The ‘Goodman Triangle’ refers to a court case (Goodman vs. Commissioner of Internal Revenue) in 1946. Read here about this in detail. The gist of this case was that life insurance policies were purchased with the insured, the owner and, the beneficiary as three different entities. This caused a gift-tax situation. Most of us know that the life insurance proceeds are federal income tax free.

So, if you have $1,000,000 in the bank and, also a $1,000,000 life insurance plan, upon your death, what you had in your bank will be considered your estate and will be appropriately taxed. Whereas, the life insurance policy proceeds will be untouchable. Life insurance has a unique position in financial planning. No one can touch the death benefit upon insured’s death. It just belongs to the beneficiary.

Let’s consider this situation:

  • A = insured
  • B = the owner, the one who pays for the policy, and
  • C = the beneficiary, the one who receives the death benefit proceeds upon the death of the insured.

Let’s say B buys a life insurance policy on A and, makes C the beneficiary. A lot of time this situation comes where a parent wants to buy a cash value whole life plan on the kids and also make the kids the primary beneficiary of the on each other’s policy.
According to the US tax code, upon the the death of the insured, death benefit now becomes a gift from the parent to the child (beneficiary). As a result, it is taxable as income. Learn more about gift tax at IRS.gov.

To avoid this situation, for all life insurance policies

  • the insured and the owner have to be the same, or
  • the owner and the primary beneficiary must be the same person.
Well, next time you want to buy a life insurance policy on one of your loved ones, you now know what not to do.
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High cash value life insurance

whole life insurance for teenagers
May 13, 2021 by Dan Kampani No Comments

A cash value whole life insurance policy can be a great option for younger population. These life insurance plans not only work as a life insurance policies but also accumulate deferred cash over time. The insured can use this cash to fulfil whatever he or she needs and wants in the future.
The premium of a whole life insurance plan for a depends upon how the policy is designed. Something else also needs to be kept in mind when looking to set it up for a teenager.
There are two kinds of whole life insurance plans in the market:

  1. Non-participating whole life
    2. Mostly stock companies offer non-participating policies the annual profits are not shared and no dividends are paid to the policyholders.
  2. Participating whole life
    3. Almost all mutual companies offer participating whole life. Every year, they allow a portion of the company’s profits to be paid out in the form of policy dividends as refunds. This allows an accelerated deferred cash accumulation overtime.

The premium for a $500,000 participating policy for a male in good health is $305.37 monthly. Whereas the premium for the same policy for a female is $265.79 monthly.
The non-participating policy premium is usually lower. For example, it is $197.12 for a male and $177.32 for a female.

Single Premium Whole Life

For how long you want to pay the premium depends entirely on you. A whole life can be from a single premium whole life to any number of years that you desire to pay. Once the premiums are paid, you no longer put anything into the policy. But your cash value keeps increasing over the years. In a participating plan, even the death benefit increases over time. This gives a kind of inflation protection to the beneficiary.

For example, a single premium for $500,000 non-participating whole life for a 19 years old non-smoker female in excellent health is $48,425. For a 19 years old male, the same policy will cost a single premium of $56,485.

It is important to understand the difference between these two whole life insurance plans. It is even more important if the target of a whole life policy is to accumulate as much cash value as possible over time.

Participating whole life plans are primarily sold by mutual life insurance companies. A few of these carriers include Penn Mutual, Mass Mutual, and New York Life. Since these companies don’t have stockholders, part of the gains they have for a given year is shared with the policy holders. These are called dividends. As a result, the cash value accumulation is much larger in participating cash value whole life insurance policies.

Non-participating whole life policies do not offer dividends. These plans offer an interest rate of usually between 2 – 3%. Because of this, the cash value accumulation is not that sharp. That is the reason why these plans are less expensive compared to participating whole life plans.

Whole life insurance 1

Also keep in mind that whole life insurance plans can be and should always be custom-designed to suit your need and affordability.

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No Exam Life Insurance

newborn baby sleeping on father's chest
February 9, 2018 by Dan Kampani No Comments

Difference between No Exam Life Insurance and Traditional Term

A no exam life insurance or, a non-med term life insurance plan is different from a traditional term plan where in order to get the coverage, the applicants to go through a free mini-medical exam.
A nurse/paramedic visits you at your location of choice; and depending on how old you are and how much coverage you have applied for, takes your blood pressure reading, draws blood, confirms your height and weight etc. The underwriter at the carrier depends on this to figure out how much risk an insurance company is taking in giving you a life insurance coverage. This plus a few other pieces of information on your health which are requested in the backend dictate what your premium is going to be. The average time from application submission to approval is between 4-8 weeks.

A few reputable insurance companies forgo the medical exam part altogether, especially if you are in good health. They do, however, charge a little extra premium for this option. For those who are not comfortable with a medical exam, this can be a great option. Please keep in mind that this a privilege and not a right. If the other reports on you show bad health, this option of no exam may be withdrawn by the company.

Why would you consider a no-exam, instant issue term life insurance?

  • If you are trying to secure a business loan and urgently need a life insurance policy to finalized it.
  • You need to list children a beneficiaries in a divorce decree.
  • Aslo, if you hate needles and medical exams, this life insurance option can be your savior.

No Medical Exam Life Insurance

Ethos life insurance

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A LifeTime of Coverage

A lifetime of life insurance
February 10, 2017 by Dan Kampani No Comments

Sometime back a potential client in average health called me from New Jersey. At 41, he had suffered through a history of high blood pressure and depression for quite a while. A non-smoker and otherwise in good shape, this family law attorney got married a couple of years back and now his wife was pregnant with their first child.

He wanted a guaranteed lifetime of life insurance coverage of $1,000,000 on himself. At the same time, he did not want to pay premiums for the rest of his life. I offered him had a 30-year term, a 30-year return of premium term, a universal life insurance plans without cash values with the last premium to be paid at age 65; and participating whole life insurance with cash values (pay only till 65).
Of course, I looked into multiple insurance carriers to find him the best options. Here is what I found. His 30-year term was for $228 monthly; return of premium term for $446; universal life plan (pay only till 65) for $850 monthly; and whole life for $1,786 monthly. A 30-year term for $228 monthly premium made the most sense to him at this point in life.

But his heart was set on a policy with a lifetime of coverage. He also wanted to come back in a few years when his practice would begin to do better and convert the term policy into a permanent life insurance plan.  This is where it becomes tricky. Since there are always multiple insurance carriers fighting for your business, it is not always a good idea to go with the one that offers the lowest premium. In his case, for a few dollars more, I found him an A+ rated solid carrier with excellent options to convert to a whole life or guaranteed universal life in future.

The lowest premium term life insurance policy may not be the best option for you.

 

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.

In my experience, most people who buy a term life insurance policy do it because they could not afford the higher premium of a permanent policy. Since our needs and affordability change over time, it is always a good idea to talk to your insurance advisor before accepting a life insurance carrier. You want to make sure that if you cannot purchase a lifetime of coverage today, you do have reasonable options to pick one in future.

Conclusion

Since most of us do not live beyond the age of 120, a permanent life insurance policy guarantees a financial cushion or in many cases a financial legacy for your loved ones. If purchased at the right time in life, a

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