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Guaranteed Issue Term Life Insurance

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									Presented by Daniel Toriola
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Guaranteed Issue Term Life Insurance By Sharon Taylor

Have you ever been turned down for term life insurance coverage? Guaranteed issue term life insurance was created for those who have trouble obtaining basic term life insurance coverage. Guaranteed issue term life insurance is also known as a "simplified issue policy." You are automatically accepted for coverage without being required to submit to a medical exam. In exchange for guaranteed coverage, you will be charged a higher term life insurance premium. The higher premiums are a fair trade for insurance carriers taking a larger risk covering people without knowing their full medical histories. Purchasing a guaranteed issue term life insurance policy is ideal for people who were born with or have developed chronic medical problems. The Inner Workings of Guaranteed Coverage Guaranteed term life insurance coverage works a little differently than buying a straight term life insurance policy. While basic policies allow you to choose the period for which you would like to be covered, guaranteed policies are issued at five and 20 year periods. If you initially buy the five year term, you may renew every five years after that until the age of 80. At age 80 your policy automatically becomes exchangeable for a permanent life insurance policy. You are still automatically covered upon transfer to your new policy and still are not be required to undergo a medical exam. Your premiums are also guaranteed to remain level throughout the duration of your policy unless term life insurance rates increase across the board for everyone in your age range and state. Renewable term life insurance premiums are based on your current age. Get instant term life insurance rates by visiting http://www.equote.com/li/termlifeinsurance-quote.html. If you choose to purchase the 20 year term, your monthly rates will stay the same for the full term of your policy regardless of any rate increases. Upon completion of the first 20 years you have the option of purchasing an additional 20 year guaranteed issue term life policy. Again, no medical exam is required nor will you be subjected to any health questionnaires. Some insurance carriers offer the option to convert a 20 year term policy into permanent life insurance coverage after the first 20 year period is over. Note: the face values you may purchase for a guaranteed term life insurance policy are limited. The coverage amounts start at $5,000.00 and are sold in increments of additional $5,000.00 up to a
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Presented by Daniel Toriola
maximum of $25,000.00. The face values do not decrease with age or with a decline in health status. To learn more about term life insurance go to http://www.equote.com/li/termlifeinsurance.html. Other Benefits to Owning a Guaranteed Issue Term Life Insurance: 1. It cannot be canceled in case you develop a terminal illness. 2.You can activate an accelerated death benefit in case of terminal illness; giving you needed cash to offset medical bills or special needs assistance. 3.Your coverage is guaranteed to stay active for the whole term of your coverage. If you purchased the 20 year term, coverage would end if your benefits were accelerated. 4.You have the standard 30-day money back guarantee on the policy. If you decide that the guaranteed issue term life insurance policy is not for you, you may request a refund of premiums paid to date -- no questions asked. Sharon Taylor writes informative articles for http://www.equote.com eQUOTE Life Insurance, a premier Internet resource for term life insurance, no-obligation quotes, and other helpful insurance resource information.

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Presented by Daniel Toriola
Lowest Rate Term Insurance For You By Rudy Silva

I always thought life insurance was for the rich, who had things to protect. But as I grew older, I began to realize that insurance was for everyone. But when I was young I did not have much money, family, or home. But no one told me or educated me on the idea that as soon as I began my life with a new family or when I purchased a house that I needed to think seriously about life insurance guaranteed. Life insurance seniors is something I have taken care of, since I am now a senior. It’s never too late to think about the amount of protection you need regardless if it is term or mortgage insurance. You and I need all the right protection programs we can get. But remember with term insurance it cost more the older you get. So what are the different types of policies that you need to consider and why? First you need life insurance guaranteed. Guaranteed means that when you apply for the insurance mostly likely your will be approved. Why waste your time on various types of insurance that take a long time to evaluate and approve you.

If you want to understand term life insurance then consider whole life insurance. Both of these plans are good for seniors – life insurance seniors. If you buy this protection policy early then your benefits are geared towards the end of your life and the cash value will be higher. The term life insurance guaranteed is the lowest insurance around. The whole life policy cost more but it gives you more benefits. The nice thing about whole life insurance is a part of the payment goes to death benefits and another part goes to a cash value that you can redeem when you are older. You beneficiary can take lump sum or payments when you die. And this is without paying income tax. Life insurance guaranteed is also referred to as guaranteed acceptance life insurance. There are not questions or physicals that you need to take to qualify. Your account payments will always be the same and it can not be cancelled unless you don’t make the payment. There is a different between guaranteed acceptance life insurance and regular term or whole life insurance in that this type of policy is written for a certain age and time span. It only pays out its benefits after a two year period of membership. If you want good policy then take a look at the different policies that are available and consult with at least three insurance agents before you buy. When you do this, you will know more about insurance than most people. But protect yourself early in life, since you don’t know how long you might live.

You don’t need to worry about what kind or insurance you need and what the cost will be. Just drop by our site and get your free comparison insurance quote and stop worrying. Go to Protection Insurance for the best free insurance quote.

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Presented by Daniel Toriola

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