Plans For Your Golden Years

You have come to a point in your life were your children have grown and have moved into their own homes to start their own lives. You ask yourself, “Why do I need life insurance?” You may fear that you will not be able to receive an affordable rate.  Our knowlegable representatives from  well-known insurance companies, specializing in senior coverage plans, are waiting tol compete to get you the best possible rate.


No matter what age you are, coverage is still a worthwhile investment. Funeral costs average around seven to ten thousand dollars. You will leave your family a large bill if you do not have sufficient savings to cover your funeral. They will also be responsible to pay off any remaining debts or medical bills you have left behind. If you have an estate, the property taxes could be very high for your family members to pay when they already have a mortgage of their own to pay. Having a policy will keep you from leaving a financial burden on your love ones.


Let us say you are retired and you and your spouse have been relying on social security payments as a source of income. If you pass away before your spouse, your spouse will only receive a partial amount of your social security and may not be able to continue living the same lifestyle. Our friendly agents will help find you an affordable policy that will cover all your remaining credit, car, and mortgage debts so your spouse will not have to alter their daily way of living.


Having insurance can also be a financial benefit to you before death. Say you want to travel the world now that you have all this free time, you can pick a policy that you can borrow from or even cash in! You can also think of it as an asset.  If a problem arises, you have the security of cashing in your policy to help you in an event of unexpected financial trouble while you are still alive.


If you among the lucky ones who have all of their debts paid in full already, you can invest in a policy that covers tens of thousands of dollars instead of hundreds of thousands of dollars and this option will leave you with a very affordable rate. You will make sure you have enough to cover your funeral expenses and be able to leave a legacy to your children and grandchildren. No children or grandchildren? You can leave a legacy to your favorite charity, school, hospital, or any other organization you wish.


An advantage of being older when applying for life insurance is that you have a longer history to show insurance companies your financial responsibility. You most likely will have less debt than younger applicants will. This advantage means you usually would need less to cover your debts, which mean you are less of a risk to insurance companies, and leaves you with a very affordable rate. Insurance companies have started to realize that it is natural for seniors to have a change in their blood pressure and cholesterol levels as well as their height and weight ratios. We will find you a qualified agent who specializes in affodable options for seniors.

 

 

PLEASE FILL OUT FORM BELOW State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands American Samoa Birthday: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 Sex: Male Female Smoker?: Yes No Your Health: Regular  Regular Plus  Preferred  Preferred Plus  Initial Term: 20 Year     ** Read Note Below 30 Year     ** Read Note Below 5 Year - Guaranteed Only 10 Year - Guaranteed Only 15 Year - Guaranteed Only 20 Year - Guaranteed Only 10 versus 20 Year Term 10 versus 15 versus 20 25 Year - Guaranteed Only 30 Year - Guaranteed Only 20 versus 30 10 versus 20 versus 30 All Guaranteed Above Age to 100 Level Guaranteed 15 Year Return of Premium 20 Year Return of Premium 30 Year Return of Premium Shown as: Annual Monthly Quarterly Semi-Annual Amount: $50,000 $75,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $5,000,000 First Name: Last Name: Phone: Email: