Post author By Brian
Post date January 28, 2022
No Comments on Life Insurance Quote No Phone Calls

Are you looking for instant life insurance quotes online without phone calls?

Perfect! You landed on the right page. I will put the quote engine below without the contact information fields so you can shop the rates from the top 10 life insurance companies without providing any personal contact information.

Sound good?

Table of Contents

Life Insurance Quote No Phone Calls

Life insurance quotes without personal information

Nearly every site on the web will only provide life insurance quotes after you enter your contact information so they can contact you via phone calls, text and email.

Then there are other the sites that won’t show you the instant quotes even after you enter your contact information. They imply you will see the rates once you complete some basic online questions that include your healthy history and contact information and then it states that an agent will be contacting your shortly to complete the quote. The agent then gives you a call and goes over the information you inputted online then provides the quotes you requested.

I wanted to break the mold and provide instant life insurance quotes without personal information.

You likely heard the proverb “It’s better to give than to receive” which is the verse I try to follow and I will provide below by allowing anyone to run as many life insurance quotes as they like and not have to provide any personal information. Just instant online life insurance quotes anonymously– no phone calls, no emails, no texts. Finally, right!

Below our life insurance quote engine will provide:

Anonymous life insurance quotes
Online life insurance quotes no phone calls
Term life insurance quotes without personal information
Whole life insurance quotes online without personal information
Universal life insurance quotes without personal information
No exam online without personal information
Senior life insurance quotes without personal information

Life Insurance Quote No Email

Just as above, in the sections Life Insurance Quote No Phone Calls, we do the same by offering Life Insurance Quote No Email. Same details apply as with no phone calls.

Why are you showing all the life insurance rates without asking for any contact information?

I believe if you are able to provide massive value to the consumer the rest will fall into place. I know when I shop for a product or service I want to be able to anonymously do my research and see the rates, details, comparisons and reviews before ever speaking to a salesperson. I want to provide the same opportunity for the life insurance shopper and consumer.

Insurance agents, especially life insurance agents notoriously have a bad reputation and often rightly so. You’re probably have a picture in your mind of Willy Loman.

Truth be told, there are about 500k life insurance agents in America today 2022. Most, if not all of them work on commission or a salary plus commission/bonus. That is why when you go online and seek quotes the website is going to ask for your contact information.

What if you could compare life insurance insurance quotes without giving personal contact information? Well, now you can! Run as many quotes as you like. Compare different coverage amounts, policy lengths and health classes at your own pace.

Compare term life insurance quotes without personal information from these companies:

AIG
Principal
Pacific Life
Protective Life
SBLI
North American Life Insurance Company (ANICO)
Mutual of Omaha
Transamerica
Banner Life
Prudential
Ameritas
Foresters
Sagicor

Dave Ramsey- Term vs Whole Life Insurance

Key Points When Receiving Anonymous Life Insurance Quotes

Choosing The Correct Amount Of Life Insurance Coverage

The first part and the most important part of the equation in life insurance is choosing the correct amount of life insurance coverage to protect your beneficiary(s).

Life insurance is meant to replace your future lifetime earnings that would have been earned if you had not prematurely pass away.

Many people are unaware that every insurance has maximum amount of life insurance one can have based on their income. It’s called Multiple of Income Guidelines. They are pretty much the same for every company, however some are a little more favorable than others. The reason why life insurance have these guidelines is because they don’t want someone to be worth more dead than alive.

Here is a sample multiple of income guidelines from AIG:

multiple of income guideline from AIG,
maximum amount of life insurance you can get based on income

Just because a like insurance allows an individual to have 25x their annual income in life insurance, doesn’t mean you have to necessarily need that much life insurance. In fact, financial experts such as Dave Ramsey, Clark Howard and Suze Orman typically recommend 10-20x your annual income in life insurance coverage.

A good rule of thumb many agents use is to have 10x your annual income in life insurance. This would provide tens years of income tax free income replacement that you would have earned payable to your family at the time of your death.

This is just a general rule and everyone and every situation is different. It’s best to do a needs analysis to do a deeper dive into which amount is optimal for your situation and beneficiary(s).

Dave Ramsey- Why You Need 10x Of Your Income In Life Insurance

Choosing The Correct Term Length

Choosing the right length of the policy is second part of the life insurance equation. Most companies offer:

10 Year Term
15 Year Term
20 Year Term
25 Year Term
30 Year Term
Lifetime

When deciding on which term to choose, most people take into consideration when they will be self insured. This is when the kids grown, the house paid off, you’re retired, have substantial assets, etc. Depending on your age at stage in life, many people choose a 20 or 30 year, especially if they are younger with dependent children. This is because they planning on working until retirement age at around 65 years old.

For those in their 50’s or 60’s, they may only need a 10, 15 or 20 year term to get them until retirement age, debts including the mortgage are paid off, etc. Also, if a senior passes away, the surviving spouse will be able to collect social security if they are over the age of 62.

Other needs for like insurance such as an:

The 10 year level term is a preferred term length for these life insurance needs. Of course every situation is different.

no phone calls or emails allows you to get the best rates on life insurance

Choosing The Correct Health Class

The third part of the equation when it comes to getting online life insurance quotes no phone calls is to choose your health class. Below are some basic guidelines to help you choose the right rating class.

There are four main health classes, Preferred Plus, Preferred, Standard Plus and Standard. There is where speaking to an agent does come handy, as they can know guidelines and can assist you with the health class. With that being said, here is a general guideline for each health class.
- Preferred Plus– excellent health, excellent build height/weight, no or maybe one medication, etc.
- Preferred– in great health maybe one or several medications, build (height/weight) is good just not in the Preferred Plus category. Possibly a parent died of health disease or cancer before the age of 60.
- Standard Plus– Can have several health issues. Some companies offer well-controlled diabetics a standard plus rate, also some cancer survivors many years after treatment with some carriers may qualify for standard plus, also your height/weight puts many people in this third best health class, standard plus.
- Standard– This is the average health class. Height/weight, medical history such as cancer or other issues puts someone in this category. It’s not bad, it just indicates a rate for a person in normal health who does not have any medical or lifestyle condition which would increase their future risk of dying,
The health classes can go either in your favor or not. I’ve had countless people tell me they don’t think they will qualify for Preferred Plus, the best rate class, and I placed them with the right company and they were approved at the Preferred Plus rate. Others, have major health issues such as a heart attack in the past but are health now and think they should qualify for Preferred rates. Do your best and if you have any questions give me a call or send me an email.

How To Get Free Term Life Insurance Quotes Without Personal Information

Use our quoter that will not ask for any contact information to return instant life insurance rate quotes from the top 10+ companies such as: AIG, Prudential, Mutual of Omaha, Pacific Life, Prudential, Protective Life, Banner Life, SBLI, Sagicor and more.

How to get Life Insurance Quote No Phone Calls or emails

2. After you click Display Quotes, you will see all the companies and their rates.

Life insurance quote results, no phone call or email, just the rates anonymously

3. If you would like more information about a policy or like to apply, click on Apply button, put in some basic information and I will call you to complete.

If like a quote can hit Apply button to complete and get more information

It’s really that simple!

Finally you are able to receive:

Life insurance quotes no phone calls

Life insurance quotes no email

Life insurance quotes without giving name

Life insurance quotes without contact information

Whole life insurance quotes without phone calls

Universal life insurance quotes without personal information

Senior life insurance quotes without personal information

Anonymous life insurance quotes

Compare Rates From the Top Carriers Using the Instant Quoter

Instant Bestow Life Insurance Quotes

No need to speak to an agent in person or over the phone, no blood tests or labs, no underwriting phone interviews, no waiting for medical records. A 100% online DIY digital application with an immediate decision and final rate. Same-day coverage, if approved.

Coverage between: $50K-$1.5M in life insurance coverage (depending on age)
All terms available: 10, 15, 20, 25, 30 year level term options (depending on age)
Ages: 18-60 years old
A+ Superior rated insurance company (North American- founded in 1886)

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Tags 2022, anonymous life insurance quote, Free Term Life Insurance Quotes Without Personal Information, life insurance quote no phone calls, life insurance quote without contact information, life insurance quote without giving name, senior life insurance quote without personal information, universal life insurance quote without personal information, whole life insurance quote without phone calls

Instant Issue Life Insurance

Bestow Term Life Insurance Rates by Age Chart 2022

Post author By Brian
Post date December 18, 2021
No Comments on Bestow Term Life Insurance Rates by Age Chart 2022

Are you looking to compare Bestow’s instant no-exam term life insurance rates to their top competitors?

Perfect! We can help you with that.

In the post below, we’ll show you Bestow’s term life rates by age as well as a chart with the rates from Bestow’s top instant life insurance with no-exam competitors.

Table of Contents

Bestow Life Insurance Rates by Age Chart: 20-24

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 20-24 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
20	Male	$10	$15	$22	$38
20	Female	$7	$8	$10	$14
21	Male	$10	$15	$22	$38
21	Female	$7	$8	$10	$14
22	Male	$10	$15	$22	$38
22	Female	$7	$8	$10	$14
23	Male	$10	$15	$22	$38
23	Female	$7	$8	$10	$14
24	Male	$10	$15	$22	$38
24	Female	$7	$8	$10	$14

_{Bestow term life insurance policy monthly rate premiums for ages 20-24 man and woman}

Bestow Life Insurance Rates by Age Chart: 25-29

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 25-59 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
25	Male	$10	$15	$22	$38
25	Female	$7	$8	$10	$14
26	Male	$10	$15	$22	$38
26	Female	$7	$8	$10	$15
27	Male	$10	$15	$22	$38
27	Female	$8	$8	$10	$16
28	Male	$10	$15	$22	$38
28	Female	$8	$9	$11	$22
29	Male	$10	$15	$22	$38
29	Female	$8	$9	$11	$17

_{Bestow term life insurance policy monthly rate premiums for ages 25-29 man and woman}

Bestow Life Insurance Rates by Age Chart: 30-34

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 30-34 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
30	Male	$10	$15	$22	$38
30	Female	$7	$8	$10	$18
31	Male	$10	$15	$22	$38
31	Female	$8	$10	$12	$19
32	Male	$10	$15	$22	$38
32	Female	$8	$10	$12	$19
33	Male	$10	$15	$22	$38
33	Female	$8	$10	$14	$20
34	Male	$10	$15	$22	$38
34	Female	$9	$10	$14	$21

_{Bestow term life insurance policy monthly rate premiums for ages 30-34 man and woman}

Bestow Life Insurance Rates by Age Chart: 35-39

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 35-39 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
35	Male	$11	$16	$24	$42
35	Female	$9	$12	$15	$24
36	Male	$12	$18	$26	$46
36	Female	$9	$13	$17	$27
37	Male	$12	$20	$28	$50
37	Female	$9	$13	$17	$27
38	Male	$12	$21	$30	$54
38	Female	$10	$15	$20	$34
39	Male	$14	$22	$32	$58
39	Female	$11	$16	$22	$37

_{Bestow term life insurance policy monthly rate premiums for ages 35-39 man and woman}

Bestow Life Insurance Rates by Age Chart: 40-44

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 40-44 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
40	Male	$14	$24	$34	$62
40	Female	$11	$18	$23	$41
41	Male	$15	$25	$36	$66
41	Female	$12	$19	$25	$44
42	Male	$15	$27	$38	$70
42	Female	$12	$20	$27	$48
43	Male	$16	$29	$40	$73
43	Female	$13	$21	$29	$51
44	Male	$17	$30	$42	$77
44	Female	$13	$22	$30	$55

_{Bestow term life insurance policy monthly rate premiums for ages 40-44 man and woman}

Bestow Life Insurance Rates by Age Chart: 45-49

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 45-49 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
45	Male	$18	$33	$45	$85
45	Female	$14	$24	$32	$59
46	Male	$19	$36	$50	$93
46	Female	$15	$26	$35	$64
47	Male	$20	$39	$53	$101
47	Female	$16	$28	$37	$68
48	Male	$21	$41	$57	$109
48	Female	$17	$30	$40	$73
49	Male	$23	$45	$61	$141
49	Female	$17	$32	$42	$77

_{Bestow term life insurance policy monthly rate premiums for ages 45-49 man and woman}

Bestow Life Insurance Rates by Age Chart: 50-54

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 50-54 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
50	Male	$24	$56	$65	$125
50	Female	$18	$34	$45	$83
51	Male	$25	$50	$69	$132
51	Female	$19	$36	$48	$89
52	Male	$26	$53	$73	$140
52	Female	$20	$38	$50	$94
53	Male	$27	$56	$77	$148
53	Female	$21	$40	$53	$100
54	Male	$29	$59	$81	$156
54	Female	$22	$42	$56	$106

_{Bestow term life insurance policy monthly rate premiums for ages 50-54 man and woman}

Bestow Life Insurance Rates by Age Chart: 55-59

Below are the monthly rates (quotes) for Bestow instant no exam term life insurance policy for ages: 55-59 for: $100k, $250k, $500k and $1 million coverage amount.

Age	Gender	$100k	$250k	$500k	$1 million
55	Male	$30	$62	$85	$164
55	Female	$22	$43	$58	$111
56	Male	$31	$64	$89	$172
56	Female	$23	$45	$61	$116
57	Male	$32	$67	$93	$179
57	Female	$24	$47	$65	$123
58	Male	$34	$70	$101	$196
58	Female	$25	$49	$72	$138
59	Male	$36	$73	$115	$224
59	Female	$27	$51	$78	$151

_{Bestow term life insurance policy monthly rate premiums for ages 55-59 man and woman}

_{*Date of birth used is 6/15. For male, 5’11” 180 lbs, non-tobacco, excellent health, good credit. For female, 5’4 140 lbs, non-tobacco, excellent health, good credit. Rates are for a 10-year level term. Rates as of 12/15/202}

Bestow Life Insurance vs. Ethos Life vs. Ladder Life vs. Sproutt Life Insurance vs. Haven Life (Haven Simple): 500k Life Insurance No Medical Exam

The table below compares the monthly term life insurance rates between: Bestow Life Insurance vs. Ethos vs. Ladder Life vs. Sproutt vs. Haven Life (Haven Simple) for $500k life insurance no medical exam policy for a 20-year level term.

Company	Rating	Exam	Term	$500k of coverage
Bestow	A+	No	20-Year	$52
Ethos	A+	No	20-Year	$68
Sproutt	A	No	20-Year	$73
Ladder Life	A+	No	20-Year	$86
Haven Life	A++	No	20-Year	$92

_{Bestow Life vs. Ethos vs. Ladder Life vs. Sproutt vs. Haven Life monthly premium rates for $500k life insurance no medical exam 20-year term}

_{*Rates for a 45 year old male, D.O.B. 6/15/1976. Excellent: health, height & weight, credit, driving record, non-tobacco user. Rates as of 12/15/2021}

As you can see in the table above, a $500k no medical exam life insurance policy for a 20-year level term, for a 45-year old male, at the top rate class, from a Superior rated company is only $52 month. This policy is a 100% instant no exam term life insurance policy with a final decision, rate and coverage in about 9 minutes.

Bestow Life Insurance Pricing Secret– 15 Year & 20 Year Term

Bestow’s life insurance rates on their 15-year and 20-year level terms are often not much more than their 10-year level term. Take a look at an example below:

Below are the rates for a 40-year old female at the best health class:

$500k 10-year term: $23 month

$500k 15-year term: $27 month

$500k 20-year term: $29 month

Below are the rates for a 45-year old male at the best health class:

$500k 10-year term: $45 month

$500k 15-year term: $51 month

$500k 20-year term: $52 month

As you can see, with Bestow life insurance, most people can lock in a 15-year or 20-year term for only a few dollars more a month than a 10-year term.

Chart Takeaways- Bestow Life Insurance: Ages 20-30

As you can see in the table above, a $100k term life insurance with Bestow is a low as $10 month for a 20-year old male and $7 month for a 20-year old female. This is for someone that is in excellent health. For a $250k 10-year level term life insurance policy for a $8 month for a female and $15 month for a male. These rates are the absolute lowest in the entire country, from every life insurance company for $250k, $500k and $1 million policy amount for a 20 year old female! The rates from Bestow for a 20 year old woman cost less than top insurance companies such as: Banner Life, Pacific Life, AIG, Prudential, Protective Life, New York Life, Haven Life, Lincoln National, Northwestern Mutual, Ethos and the rest.

As you can see in the table above a 22-year old female can lock in a $500k instant-decision term life insurance policy with no exam for $10 month and a $1 million policy for $14 month. This is the absolute lowest rate in the country, even less than the other top companies that require a medical exam and or phone interview with the insurance company as part of the application process.

A healthy 28-year old woman, can secure a $500k instant-issue term life insurance with no-exam for just $11 month or only $132 a year. A million no-exam policy with Bestow for a 28-year woman is only $16 month or $192 year, for a 10-year level term policy. A $1 million 20-year term policy for a 28-year old woman from Bestow is only $26 month.

Chart Takeaways- Bestow Life Insurance: Ages 30-40

The rates for a 30-year old man in excellent health, range from $10 month for a $100,000 10-year term up to $38 month for a $1 million policy. The same policy for a 30-year old woman in excellent health, range from $7 month for a $100k 10-year term to $18 month for a one million policy.

As you can see in the table above, a $500k instant-issue term life insurance no-exam on a 10-year term is only $15 month for a 35-year old woman in excellent health and $24 month for a 35-year old male.

Chart Takeaways- Bestow Life Insurance: Ages 40-49

As you can see in the table above, a $250k 10-year term policy with Bestow costs $18 month for a 40-year old female in excellent health and $24 month for a 40-year old male in excellent health.

As you can see in the table above, the rates for a 47-year old female are as low as $16 month up to $68 for a 10-year term from $100k to $1 million policy.

Chart Takeaways- Bestow Life Insurance: Ages 50-60

As you can see in the table above, a $100k 10-year term policy with Bestow costs $18 month for a 50-year old female in excellent health and $24 month for a 40-year old male in excellent health.

As you can see in the table above, the rates for a 55-year old male range from $30 month for a $100k policy up to $164 month for a $1 million policy. A 55-year old female can secure a $100k policy for as low as $22 month and get a $1 million policy for as low as $111 month.

Bestow Life Insurance- Rates Compared To Competitors

Bestow literally has the lowest rate in the entire country for a 24-year old female for a $500k 10-year term policy.

As you can see in the list above, Bestow has the lowest rate in the nation. Bestow’s life insurance application is instant-issue with no medical exam. Compare this to the other companies such as: Banner Life, Lincoln National, Pacific Life, AIG, Symetra, SBLI and Transamerica that either require a medical exam or phone interview. The underwriter could also request your medical records from these insurers unlike Bestow which provides and instant-decision one you submit your application.

Compare this to the Bestow life insurance application which is 100% online and takes about 10 minutes. There is no medical exam, phone interview or waiting for medical records.

Bestow Term Life Insurance Application & Underwriting

The underwriting for Bestow’s term life insurance policy is quick and easy. There is no medical exam, no phone interview and no waiting for medical records. The quotes and application are entirely online and a final decision is provided once you complete the application. The application process with Bestow takes about 9 minutes from quotes to an active term life insurance policy.

The online application asks these health and lifestyle questions:

In the past 6 months, have you lost more than 10 pounds?

Yes or No

In the past 12 months, have you used cigarettes, E-cigarettes, pipes, vapor products, snuff, chewing tobacco, nicotine gum or nicotine patches?

Yes or No

Have you ever tested positive for HIV through Western Blot Assay and ELISA at the direction of an insurance company or been medically diagnosed as having AIDS?

Yes or No

In the past 12 months, have you received disability payments?

Yes or No

In the past 12 months, has a medical professional advised you to have:

Surgery

Any test or procedure

None of the above

In the past 10 years, have you been diagnosed or treated by a medical professional for:

Heart Disease

Organ Transplant

Peripheral arterial disease

Chronic kidney disease

Liver cirrhosis

Chronic obstructive pulmonary disease (COPD)

Aneurysm

Huntington’s disease

Amyotrophic lateral sclerosis (ALS)

Cardiomyopathy

Chronic hepatitis

Multiple sclerosis

Sickle cell anemia (not trait)

Systemic Lupus

Depression or other mental health impairment

Cancer

Alcohol abuse

Chest pain

Diabetes

Stroke or mini-stroke/TIA

Seizure disorder

None of the above

Have you had a biological parent die before age 60 from any of the following:

Heart disease

Melanoma

Colon cancer

Ovary or breast cancer

None of the above

Are you currently admitted to a:

Hospital

Long-term care facility

Hospice

None of the above

In the past 12 months have you been:

Confined to a wheelchair

Diagnosed or treated by a medical professional for memory impairment

Required to use supplemental oxygen

Assisted or supervised with dressing, eating, bathing or walking

None of the above

In the past 30 days, have you been diagnosed or treated by a medical professional for COVID-19?

Yes or No

Are you a U.S. Citizen?

Yes or No

Where were you born?

The U.S. or U.S. Territories

Elsewhere

In the next 12 months, do you plan to reside or travel outside of the United States?

Yes or No

Do you have any life insurance or annuities currently in force or pending?

Yes or No

Employment status:

Working full-time

Working part-time

Full-time student

Part-time student

Stay at home spouse or partner

Not working

Retired

Let’s calculate your income:

You are paid

In the next 2 years, do you plan to:

Pilot an airplane

Scuba dive

Race a motor vehicle

Mountain or rock climb

Skydive

None of the above

In the past 2 years, have you been declined for life insurance?

Yes or No

In the past 10 years, have you been convicted, pleaded guilty to or have charges pending for a:

Misdemeanor

Felony

DUI/DWI for alcohol or drugs

None of the above

How many alcoholic drinks do you have per week?

Enter number

In the past 12 months, have you used any form of marijuana?

Yes or No

In the past 10 years have you used cocaine, methamphetamines, heroin, opioids, hallucinogens or any controlled substance not prescribed to you by a physician?

Yes or No

The Bestow Application Process

The no exam term life insurance application with Bestow only takes about nine minutes, is entirely online and provides and instant-decision once submitted.

How is Bestow Instant-Decision No Medical Term Life Insurance Different Than Other No Medical Exam Life Insurance?

Bestow’s term life insurance application is 100% online with no:

Medical exam
Phone interview
Medical records
Need to speak to an agent

Bestow is different than most no-exam term life insurance applications. Most no-exam applications require a phone interview and possibly a medical records request before a final decision is made.

Is There A Waiting Period With Bestow Life Insurance?

No, once you provide payment and activate your policy you are covered immediately for the full death benefit. The only exclusions suicide in the first two years as well as a two year contestabilty clause if you were not honest on your application.

These are the same two exclusions that every term life insurance policy has, whether it’s a fully-underwritten or instant-decision application.

Is Bestow Insurance Legit?

Yes, Bestow Life Insurance is legit. Bestow Life Insurance is underwritten and held by North American Company for Life and Health Insurance which is A+ Superior (the highest category) rated by A.M. Best and has been in business since 1886. North American paid out nearly $600 million in death claims last year alone.

Bestow Insurance has an A+ rating with the BBB and a 4.7 out of 5 on Trustpilot with 780+ reviews.

Is Bestow Life Insurance Any Good?

Yes. Bestow Life Insurance has very competitive rates compared to a fully-underwritten life insurance application, especially on their 15 and 20 year term. In fact, Bestow (North American Life) actually had the absolute lowest rate in the entire country for a woman in her early 20’s on a $100k and $250k policy.

For those that are between the ages of 18-60 and generally have good health, no adverse credit or other underwriting issues, Bestow is very good for those looking for a fast and convenience life insurance application process.

Bottom Line

As you can seen in the Bestow Term Life Insurance Rates by Age Chart, rates range from $7 month to $224 month for those in excellent health looking for $100k up to $1million in coverage on a 10-year term, dependent on your age, gender, health, build, lifestyle and smoking status.

The major advantage that Bestow has over other accelerated underwriting life insurance is that there is never a medical exam, phone interview, medical records request for underwriting or even the need to speak to an agent. The process is 100% online, which may people prefer in this day and age.

As you can see, Bestow often has the best rates in the country for instant-issue no exam term life insurance compared to their competitors.

FAQ

Are Bestow life insurance rates fixed?

Yes. Bestow offers level term life insurance. This means the rate is fixed for the term you select. You can choose either: 10, 15, 20, 25 or 30 year, just depending on your age.

Is there a penalty to cancel early?

No. You can cancel anytime without a penalty.

Is there a conversion option?

No. Once your term is over the policy expires.

How long does the entire process take with Bestow Life Insurance?

The application process with Bestow takes on average amount 9 minutes.

Does Bestow Life Insurance have any exclusions?

Yes. Bestow insurance has the same two exclusions that all term policies have. A two-year contestability clause if you lied on your application as well as a two-year suicide clause.

Is Bestow Life Insurance a good deal?

Yes. For those that do not want to do a medical exam or phone interview with the insurance company or even speak to an agent, Bestow is an excellent deal. In fact, Bestow has lower rates than with the exam for younger applicants in excellent health.

What is Bestow Life Insurance rating?

Bestow itself is not the insurance company, rather their policies are underwritten by North American Company for Life and Health Insurance which is A+ (Superior) rated by A.M. Best and has been in business since 1886.

How much is Bestow term life insurance?

Bestow term life insurance rates range from $7 month up to $224 month or more depending on your age, gender, health, lifestyle and tobacco usage.

Instant Bestow term life insurance quotes

Receive instant no-exam term life insurance quotes from Bestow by using the quoter below.

Underwriting

Does Life Insurance Cover the Omicron COVID-19 Variant?

Post author By Brian
Post date December 1, 2021
No Comments on Does Life Insurance Cover the Omicron COVID-19 Variant?

If you are looking to see if life insurance will cover the new the omicron variant (B.1.1.529), the latest COVID-19 strain, then you have come to the right place.

Below, I’ll answer all your questions about life insurance and the omicron COVID-19 variant.

Table of Contents

Does my current life insurance policy cover the omicron variant (the latest COVID-19 strain)?

Yes, nearly every life insurance policy will cover death from COVID-19 including the new omicron variant.

Most life insurance policies only have two exclusions; a two-year contestabitlity clause (meaning the insurance company can contest the claim if you died in the first two years of the policy and you were not honest on the application, called material misrepresentation) and also there is a two-year suicide clause (meaning the policy will not pay out if death results from suicide in the first two-years of the policy).

Other than those two exclusions, any type of death is covered including COVID-19 and any variants.¹

Can I purchase a new life insurance policy that will cover COVID-19, including the Omicron variant?

Yes, currently life insurance policies purchased today will cover the omicron variant as well as the other COVID-19 strains. Once you are approved and make the first payment to activate the policy (called placing the policy in force) you would be covered any type death¹ including from COVID and the omicron variant.

Also, once a policy is in force, any future changes in your health will not affect the current policy.

Do life insurance companies ask about COVID-19?

Yes, while most life insurance policies will cover death resulting from COVID and any variants, most life insurance companies will now ask on the application about recent treatment and if you are currently experiencing symptoms of COVID such as a fever or shortness of breath.

Do I need to be tested for COVID-19 and the omicron variant to get life insurance?

No, most life insurance companies currently do no require COVID testing to purchase life insurance.

Do I need to be vaccinated to be covered for life insurance for the Omicron COVID-19 variant?

No, most life insurance companies currently do not require you to be vaccinated in order to qualify for life insurance. Likewise, vaccination status is not a factor in paying out a claim.

Do I need a medical exam to get life insurance in order to be covered for the omicron variant?

No, a medical exam is not required to purchase a life insurance policy for most people (dependent on your health and several other underwriting factors). The insurance company will ask if you are experiencing any current symptoms of COVID and about previous exposure (typically in the last 30 days) to COVID-19 but if you are fully recovered and in good health, then you are likely able to purchase life insurance without the paramed exam.

What is the quickest and easiest way to buy a new policy to cover me for the omicron COVID variant?

The fastest and easiest way to purchase life insurance for those in good health is with a no-medical exam policy. The application is 100% online and only requires answering several health and lifestyle questions. Same-day coverage is offered to the majority of applicants.

What are some good life insurance companies that cover the omicron variant that can be purchased quickly and easily?

Below are two excellent companies that offer a 100% online application and no-medical exam underwriting. The application process is very fast and convenient, same-day coverage is available for most applicants that are in good health and meet the underwriting criteria. You do not even have to speak to an agent (unless you want to).

Bestow

Available Coverage: $50k to $1.5 million

Type: Level term life insurance

Terms Available: 10, 15, 20, 25 and 30 year level

Underwritten by: North American Company for Life & Health Insurance

A.M. Best Rating: A+ Superior (North American Life)

Founded: North American Life (1886)

Available Ages: 18-60

COVID-19 Question on Application: “In the past 30 days, have you been diagnosed or treated by a medical professional for COVID-19?”

‘Diagnosed or treated’ means you have had (within the past 30 days) a positive test result for COVID-19 (SARS-CoV-2) or been treated by a medical practitioner for symptoms of COVID-19. A vaccine to prevent disease is not considered treatment for COVID-19.

Process: 100% online, no medical exam, no phone interview, no medical records, whole process takes about 9-12 minutes. Compare rates and then apply for an instant decision and instant coverage, if approved.

Advantages: Coverage is from an A+ Superior rated company that has been in business since 1886. Unlike most other no-exam life insurance policies, with Bestow there is no phone interview, no medical records request or need to speak to an agent to as part of the application process. This enables the whole application to take less than 15 minutes, from quote to active coverage (if approved). Rates are very affordable.

Instant Life Insurance Quotes From Bestow

(No contact information is needed for quotes)

Ethos

Available Coverage: $5k to $2 million

Type: Level term life insurance, simplified issue term life, increasing simplified issue term life, whole life and guaranteed acceptance whole life (two-year waiting period)

Terms Available: 10, 15, 20, and 30 year level, simplified issue level term life, increasing simplified issue term life, whole life and guaranteed acceptance whole life (two-year waiting period)

Underwritten by: Banner Life Insurance Company for level term, Ameritas and TruStage-CMFG Life Insurance Company for simplified issue and whole life

A.M. Best Rating: Banner Life- A+ Superior, Ameritas and CMFG are A Excellent rated

Founded: Banner Life (Legal & General) 1836, Ameritas 1887, CMFG 1935

COVID-19 Question on Application: “In the last 30 days, have you been diagnosed with, been treated for, or sought testing or consultation, or do you intend to seek testing or consultation with a member of the medical profession for Coronavirus including COVID-19, or for fever, or cough, or shortness of breath?”

Process: 100% online, no medical exam, same-day approval for the majority of applicants.

Advantages: Level term life insurance with rates that are affordable and coverage that goes up to $2 million without a medical exam from an A+ Superior rated company that has been in business since 1836.

Instant Life Insurance Quotes From Ethos

(No contact information is needed for quotes)

¹ Most life insurance policies have two exclusions; a two-year contestability clause (material misrepresentation) and a two-year suicide clause. Check your policy for specific details, any additional exclusions as it can vary depending on the company or any amendments.

*This article is for informational purposes only. Please take a look at your specific policy and or ask your agent or insurance company for the details of your individual policy.

Tags Coronavirus omicron life insurance coverage, COVID-19 life insurance no exam, COVID-19 Question on Life Insurance Application, Omicron COVID-19 Variant life insurance, omicron instant life insurance coverage no medical exam, omicron variant (B.1.1.529) life insurance

Life Insurance Company Ratings

Life Insurance Company Ratings 2021

Post author By Brian
Post date February 4, 2021
No Comments on Life Insurance Company Ratings 2021

Table of Contents

Life Insurance Company Ratings 2021

Life insurance company ratings 2021 are one of the most important things you should look at when choosing an insurer to protect your beneficiaries. Specifically, you want to look at a life insurance company’s A.M. Best rating. A.M. Best is the preeminent life insurance rating agency. A great rule of thumb is to choose a life insurance company with an A- (Excellent) or better (Superior) from A.M. Best.

Below are the life insurance ratings for the top 500 insures in America in 2021. The first column is the insurance company name, then the home state of the insurer, third column is the most important- A.M. Best rating, then S&P rating, Moody’s, Fitch, KBRA and last column are the insurance companies Comdex scores.

Company Name	State	Best	S&P	Moody’s	Fitch	KBRA	Comdex Rating

1 Northwestern Mutual Life Ins	WI	A++	AA+	Aaa	AAA		100
2 New York Life Ins Co	NY	A++	AA+	Aaa	AAA		100
3 New York Life Ins & Ann	DE	A++	AA+	Aaa	AAA		100
4 Berkshire Hathaway Life	NE	A++	AA+				100
5 General Re Life Corporation	CT	A++	AA+				100

6 Northwestern Long Term	WI	A++	AA+	Aaa	AAA		100
7 Teachers Ins & Ann Assoc	NY	A++	AA+	Aa1	AAA		99
8 USAA Life Ins Co	TX	A++	AA+	Aa1			99
9 TIAA-CREF Life Ins Co	NY	A++	AA+	Aa1	AAA		99
10 Berkshire Life Ins Co	MA	A++	AA+		AA+		99

11 USAA Life Ins Co of NY	NY	A++	AA+	Aa1			99
12 Massachusetts Mutual Life	MA	A++	AA+	Aa3	AA+		98
13 State Farm Life Ins Co	IL	A++	AA	Aa1			98
14 Guardian Life Ins Co of Amer	NY	A++	AA+	Aa2	AA+		98
15 Knights of Columbus	CT	A+	AA+				98

16 Guardian Ins & Ann Co Inc	DE	A++	AA+	Aa2	AA+		98
17 C.M. Life Ins Co	CT	A++	AA+	Aa3	AA+		98
18 MML Bay State Life Ins Co	CT	A++	AA+	Aa3	AA+		98
19 State Farm Life & Acc	IL	A++	AA	Aa1			98
20 Allianz Life Ins of New York	NY	A+	AA				97

21 Sun Life & Health Ins Co US	MI	A+	AA				97
22 CSI Life Ins Co	NE	A+	AA				97
23 Sun Life Assur	CN	A+	AA	Aa3	AA		96
24 Minnesota Life Ins Co	MN	A+	AA-	Aa3	AA		96
25 Great-West Life & Ann	CO	A+	AA	Aa3	AA		96

26 American United Life Ins Co	IN	A+	AA-				96
27 Hannover Life Reassur Amer	FL	A+	AA-				96
28 Western-Southern Life Assur	OH	A+	AA-	Aa3	AA		96
29 Swiss Re Life & Health	MO	A+	AA-	Aa3			96
30 Western & Southern Life Ins	OH	A+	AA-	Aa3	AA		96

31 Integrity Life Ins Co	OH	A+	AA-	Aa3	AA		96
32 State Life Ins Co	IN	A+	AA-				96
33 Munich American Reassur Co	GA	A+	AA-				96
34 Lafayette Life Ins Co	OH	A+	AA-		AA		96
35 National Integrity Life Ins Co	NY	A+	AA-	Aa3	AA		96

36 Columbus Life Ins Co	OH	A+	AA-	Aa3	AA		96
37 Lincoln Life Assur of Boston	NH	A+	AA-				96
38 Great-West Life & Ann NY	NY	A+		Aa3	AA		96
39 Securian Life Ins Co	MN	A+	AA-	Aa3	AA		96
40 SCOR Global Life USA Re Co	DE	A+	AA-				96


		Best	S&P	Moody’s	Fitch	KBRA	Comdex
41 SCOR Global Life Re Co of DE	DE	A+	AA-				96
42 The Penn Ins and Ann Co of NY	NY	A+		Aa3		AA	96
43 Metropolitan Life Ins Co	NY	A+	AA-	Aa3	AA-		95
44 Prudential Ins Co of America	NJ	A+	AA-	Aa3	AA-		95
45 Pruco Life Ins Co	AZ	A+	AA-	Aa3	AA-		95

46 Prudential Retirement Ins&Ann	CT	A+	AA-	Aa3	AA-		95
47 Prudential Annuities Life Assur	AZ	A+	AA-		AA-		95
48 Metropolitan Tower Life Ins Co	NE	A+	AA-	Aa3	AA-		95
49 Pruco Life Ins Co of NJ	NJ	A+	AA-		AA-		95
50 Banner Life Ins Co	MD	A+	AA-		AA-		95

51 William Penn Life Ins Co of NY	NY	A+	AA-		AA-		95
52 SCOR Global Life Americas Re	DE	A+	AA-		AA-		95
53 Allianz Life Ins Co of NA	MN	A+	AA	A1			94
54 John Hancock Life Ins Co (USA)	MI	A+	AA-	A1	AA-		93
55 Pacific Life Ins Co	NE	A+	AA-	A1	AA-		93

56 RiverSource Life Ins Co	MN	A+	A+	Aa3			93
57 Penn Mutual Life Ins Co	PA	A+	A+	Aa3		AA	93
58 John Hancock Life Ins Co of NY	NY	A+	AA-	A1	AA-		93
59 John Hancock Life & Health Ins	MA	A+	AA-	A1	AA-		93
60 Amer Fam Life Assur Columbus	NE	A+	A+	Aa3			93

61 Pacific Life & Ann Co	AZ	A+	AA-	A1	AA-		93
62 Penn Ins & Ann Co	DE	A+	A+	Aa3		AA	93
63 RiverSource Life Ins Co of NY	NY	A+	A+	Aa3			93
64 Primerica Life Ins Co	TN	A+	AA-	A1			93
65 First Reliance Standard Life	NY	A++	A+				93

66 Protective Life & Ann Ins	AL	A+	AA-		A+		92
67 HCC Life Ins Co	IN	A++	A+		AA-		92
68 Lincoln National Life Ins Co	IN	A+	AA-	A1	A+		91
69 Protective Life Ins Co	TN	A+	AA-	A1	A+		91
70 Fidelity Investments Life Ins	UT	A+	A+				91

71 Lincoln Life & Ann Co NY	NY	A+	AA-	A1	A+		91
72 American Life Ins Co	DE	NR	AA-	A1			91
73 West Coast Life Ins Co	NE	A+	AA-	A1	A+		91
74 Empire Fidelity Investments Life	NY	A+	A+				91
75 Ann Investors Life Ins Co	OH	A+	A+				91

76 Companion Life Ins Co	NY	A+	A+				91
77 Amer Fam Life Assur Co of NY	NY	A+	A+				91
78 Vantis Life Ins Co	CT	A+	A	Aa3		AA	91
79 United World Life Ins Co	NE	A+	A+				91
80 Principal Life Ins Co	IA	A+	A+	A1	AA-		90


		Best	S&P	Moody’s	Fitch		Comdex
81 Nationwide Life Ins Co	OH	A+	A+	A1			90
82 Nationwide Life & Ann Ins	OH	A+	A+	A1			90
83 United of Omaha Life Ins Co	NE	A+	A+	A1			90
84 Wilton Reassur Co	MN	A+			A+		90
85 Mutual of Omaha Ins Co	NE	A+	A+	A1			90

86 Wilco Life Ins Co	IN	A+			A+		90
87 Texas Life Ins Co	TX	A+			A+		90
88 Wilton Reassur Life of NY	NY	A+			A+		90
89 Principal National Life Ins Co	IA	A+	A+	A1	AA-		90
90 Cigna Life Ins Co of New York	NY	A			AAA		90

91 Midland National Life Ins Co	IA	A+	A+		A+		89
92 RGA Reins Co	MO	A+	AA-	A1	A		89
93 North American Co for L&H Ins	IA	A+	A+		A+		89
94 Mutual of America Life Ins Co	NY	A+	A+		A+		89
95 UnitedHealthcare Ins Co	CT	A	AA-	A1	AA-		89

96 Cincinnati Life Ins Co	OH	A+	A+		A+		89
97 Reliance Standard Life Ins Co	IL	A++	A+	A2			88
98 MONY Life Ins Co	NY	A+	A+	A1	A+		88
99 Allstate Assur Co	IL	A+		A2			88
100 Golden Rule Ins Co	IN	A	AA-				88

101 Great American Life Ins Co	OH	A+	A+	A2			87
102 Allstate Life Ins Co	IL	A+		A2	A+		87
103 Hartford Life & Acc Ins	CT	A+	A+	A2			87
104 Liberty National Life Ins Co	NE	A	AA-	A1	A+		87
105 Allstate Life Ins Co of NY	NY	A+		A2	A+		87

106 Globe Life And Acc Ins Co	NE	A	AA-		A+		87
107 American Income Life Ins Co	IN	A	AA-		A+		87
108 American Heritage Life Ins Co	FL	A+			A		87
109 United American Ins Co	NE	A	AA-		A+		87
110 Life Ins of North Amer	PA	A		A2	AAA		86

111 Transamerica Life Ins Co	IA	A	A+	A1			84
112 Transamerica Finl Life Ins Co	NY	A	A+	A1			84
113 Standard Ins Co	OR	A	A+	A1			84
114 Modern Woodmen of America	IL	A				AA-	84
115 Ameritas Life Ins Corp.	NE	A	A+				83

116 Brighthouse Life Ins Co of NY	NY	A	A+				83
117 Ameritas Life Ins Corp. of NY	NY	A	A+				83
118 Dearborn Life Ins Co	IL	A	A+				83
119 Dearborn Natl Life NY	NY	A	A+				83
120 Equitable Financial Life Ins Co	NY	A	A+	A2			82

	State	Best	S&P	Moody’s	Fitch	KBRA	Comdex

121 American General Life Ins Co	TX	A	A+	A2	A+		82
122 Variable Ann Life Ins Co	TX	A	A+	A2	A+		82
123 Symetra Life Ins Co	IA	A	A	A1			82
124 United States Life Ins in NY	NY	A	A+	A2	A+		82
125 Life Ins Co of the Southwest	TX	A	A+	A2			82

126 CMFG Life Ins Co	IA	A	A+	A2			82
127 Zurich American Life Ins Co	IL	A+	A	A3			82
128 AGC Life Ins Co	MO	A			A+		82
129 National Life Ins Co	VT	A	A+	A2			82
130 American Family Life Ins Co	WI	A			A+		82

131 Equitable Finl Life Ins Co of Amer	AZ	A	A+	A2			82
132 MEMBERS Life Ins Co	IA	A	A+	A2			82
133 Voya Retirement Ins & Ann Co	CT	NR	A+	A2	A		81
134 Venerable Ins & Ann Co	IA	NR		A2		A-	81
135 ReliaStar Life Ins Co	MN	A	A+	A2	A		81

136 ReliaStar Life Ins Co of NY	NY	A	A+	A2	A		81
137 First Penn-Pacific Life Ins Co	IN	A	A-	A1	A+		81
138 Jackson National Life Ins Co	MI	A	A	A2	A		79
139 Brighthouse Life Ins Co	DE	A	A+	A3	A		79
140 Athene Ann & Life Co	IA	A	A		A		79

141 Athene Ann & Life Assur Co	DE	A	A		A		79
142 American National Ins Co	TX	A	A				79
143 Connecticut General Life Ins	CT	A	A	A2	A		79
144 Jackson Natl Life Ins Co of NY	NY	A	A	A2	A		79
145 Cigna Health & Life Ins Co	CT	A	A	A2			79

146 New England Life Ins Co	MA	A	A+	A3	A		79
147 Horace Mann Life Ins Co	IL	A	A	A2	A		79
148 Athene Ann & Life Assur NY	NY	A	A		A		79
149 Amer Natl Life Ins Co of NY	NY	A	A				79
150 First Symetra Nat Life Ins NY	NY	A	A				79

151 Mutual Trust Life Ins Co	IL	A			A		79
152 Pan-American Life Ins Co	LA	A			A		79
153 Pacific Guardian Life Ins Co	HI	A	A				79
154 Blue Shield of CA Life & Hlth	CA	A			A		79
155 Cigna Worldwide Ins Co	DE	A			A		79

156 Pan-American Assur Co	LA	A			A		79
157 Aetna Life Ins Co	CT	A	A-	A2	A		77
158 National Western Life Ins Co	CO	A	A-				76
159 Accordia Life & Ann Co	IA	A	A-		A		76
160 Savings Bank Mutual Life Ins	MA	A	A-				76

	State	Best	S&P	Moody’s	Fitch	KBRA	Comdex

161 Provident Life & Casualty	TN	A			A-		76
162 USAble Life	AR	A	A-				76
163 Aetna Health & Life Ins Co	CT	A	A-				76
164 Forethought Life Ins Co	IN	A	A-	A3	A		75
165 Commonwealth Ann & Life	MA	A	A-	A3	A		75

166 Unum Life Ins Co of Amer	ME	A	A	A3	A-		75
167 Provident Life & Acc	TN	A	A	A3	A-		75
168 First Unum Life Ins Co	NY	A	A	A3	A-		75
169 Colonial Life & Acc Ins	SC	A	A	A3	A-		75
170 First Allmerica Financial Life	MA	A	A-	A3	A		75

171 Paul Revere Life Ins Co	MA	A	A	A3	A-		75
172 Ohio National Life Ins Co	OH	A		A3	A-		74
173 Ohio National Life Assur Corp	OH	A		A3	A-		74
174 Security Life of Denver Ins Co	CO	NR	A-	Baa1	A-		70
175 Great Western Ins Co	IA	A-		Aa3			67

176 Bankers Life & Casualty Co	IL	A-	A-	A3	A-		63
177 Washington National Ins Co	IN	A-	A-	A3	A-		63
178 United Ins Co of America	IL	A-	A-	A3	A-		63
179 Colonial Penn Life Ins	PA	A-	A-	A3	A-		63
180 Unum Ins Co	ME	A-		A2	A-		63

181 Fidelity & Guaranty Life Ins	IA	A-	A-	Baa1	A-		62
182 Lombard Intl Life Assur Co	PA	A-				A	62
183 Lombard Intl Life Assur Co NY	NY	A-				A	62
184 American Equity Invest Life	IA	A-	A-		A-		60
185 Security Benefit Life Ins Co	KS	A-	A-		A-		60

186 Gleaner Life Ins Society	MI	A-				A-	60
187 Catholic Order of Foresters	IL	A-				A-	60
188 Fidelity & Guar Life Ins Co NY	NY	A-	A-		A-		60
189 Bankers Conseco Life Ins	NY	A-	A-		A-		60
190 First Security Benefit L&A NY	NY	A-	A-		A-		60

191 Amer Bankers Life Assur Co FL	FL	A-	A	Baa1			60
192 Life of the South Ins Co	GA	A-				A-	60
193 Reliable Life Ins Co	MO	A-	A-		A-		60
194 Union National Life Ins Co	LA	A-	A-		A-		60
195 Bankers Life of Louisiana	LA	A-				A-	60

196 Southern Financial Life Ins Co	KY	A-				A-	60
197 American Memorial Life Ins Co	SD	A-	A				58
198 Humana Ins Co of Kentucky	KY	A-	A				58
199 Eagle Life Ins Co	IA	A-			A-		54
200 Natl Security Life & Ann	NY	A-			A-		54



201 ShelterPoint Life Ins Co	NY	A-	A-				54
202 American Equity Invest Life NY	NY	A-			A-		54
203 Union Security Ins Co	KS	B++	A	Baa1			53
204 Delaware Life Ins Co	DE	A-	BBB+				52
205 Delaware Life Ins Co NY	NY	A-	BBB+				52

206 Equitable Financial Life & Ann	CO	B++	A+				50
207 Guaranty Income Life Ins Co	IA	B++				A-	49
208 Baltimore Life Ins Co	MD	B++				A-	49
209 United Heritage Life Ins Co	ID	B++				A-	49
210 Talcott Resolution Life Ins Co	CT	B++	BBB	Baa3			48

211 Talcott Resolution L&A Ins Co	CT	B++	BBB	Baa3			48
212 Genworth Life Ins Co	DE	C++		Caa1	CCC		44
213 Genworth Life & Ann Ins	VA	B		B3	B		44
214 Genworth Life Ins Co NY	NY	C++		Caa1	CCC		44
215 EquiTrust Life Ins Co	IL	B++	BBB+				40

216 Western United Life Assur Co	WA	B+				BBB+	36
217 ManhattanLife Assur Co of Amer	AR	B+				BBB+	36
218 Manhattan Life Ins Co	NY	B+				BBB+	36
219 Family Life Ins Co	TX	B+				BBB+	36
220 ELCO Mutual Life & Ann	IL	B				BBB-	30

221 Landmark Life Ins Co	TX	B				BBB-	30
222 Thrivent Finl for Lutherans	WI	A++
223 Prudential Legacy Ins Co NJ	NJ	NR
224 Transamerica Premier Life Ins	IA	NR
225 Union Fidelity Life Ins Co	KS	NR

226 Employers Reassur Corp	KS	NR	BBB+
227 Southern Farm Bureau Life Ins	MS	A+
228 Guggenheim Life & Ann Co	DE	B++
229 Nassau Life Ins Co	NY	B+
230 Woodmen of the World Life Soc	NE	A+

231 COUNTRY Life Ins Co	IL	A+	NRpi
232 Farm Bureau Life Ins Co	IA	A
233 Lincoln Benefit Life Co	NE	A-
234 Sentry Life Ins Co	WI	A+
235 Jefferson National Life Ins Co	TX	A+

236 American Fidelity Assur Co	OK	A+
237 PHL Variable Ins Co	CT	NR
238 Farmers New World Life Ins Co	WA	A
239 Brooke Life Ins Co	MI	A
240 Americo Finl Life & Ann	TX	A

	State Located	A.M Best Rating

241 Heritage Life Ins Co	AZ	NR
242 Gerber Life Ins Co	NY	A
243 National Guardian Life Ins Co	WI	A-
244 Continental General Ins Co	TX	NR
245 Union Labor Life Ins Co	MD	A-

246 Auto-Owners Life Ins Co	MI	A+
247 Independence Life & Ann Co	DE	A-
248 Kansas City Life Ins Co	MO	A
249 Homesteaders Life Co	IA	A-
250 GBU Financial Life	PA	A-

251 Wilcac Life Ins Co	IL	A+
252 Aurora National Life Assur	CA
253 Security Mutual Life of NY	NY	A-
254 Foresters Life Ins & Ann	NY	NR
255 Erie Family Life Ins Co	PA	A

256 LifeCare Assur Co	AZ
257 Farm Bureau Life Ins Co of MI	MI	A
258 Assurity Life Ins Co	NE	A-
259 Physicians Mutual Ins Co	NE	A
260 Reinsurance Co of Missouri	MO

261 Combined Ins Co of America	IL	A+
262 United Farm Family Life Ins Co	IN	A
263 Tennessee Farmers Life Ins Co	TN	A+
264 Oxford Life Ins Co	AZ	A-
265 Federated Life Ins Co	MN	A+

266 Beneficial Life Ins Co	UT	NR
267 GCU	PA	NR	BBB+
268 Sagicor Life Ins Co	TX	A-
269 Liberty Bankers Life Ins Co	OK	B++
270 Universal Life Ins Co	PR	B+

271 Blue Cross & Blue Shield of KS	KS	A
272 HayMarket Ins Co	NE	NR
273 United Life Ins Co	IA	A-
274 Physicians Life Ins Co	NE	A
275 SBLI USA Life Ins Co	NY	A-

276 Catholic Financial Life	WI	NR	A-
277 Trustmark Ins Co	IL	A-
278 Equitable Life & Cas Ins Co	UT	B+
279 Centre Life Ins Co	MA
280 Pekin Life Ins Co	IL	A-

	State Located	A.M Best Rating

281 Alfa Life Ins Corp	AL	A
282 Illinois Mutual Life Ins Co	IL	A-
283 Boston Mutual Life Ins Co	MA	A
284 Funeral Directors Life Ins Co	TX	A-
285 Automobile Club of Sthrn CA Life	CA	A

286 Columbian Mutual Life Ins Co	NY	B++
287 Reliance Standard Life of TX	TX
288 Structured Ann Reins Co	IA	NR
289 Amica Life Ins Co	RI	A+
290 National Slovak Society of US	PA	NR-5	BBB+

291 Shelter Life Ins Co	MO	A
292 Family Heritage Life of Amer	OH	A
293 American Health & Life Ins	TX	B++
294 Conseco Life Ins Co of Texas	TX
295 Catholic Life Ins	TX	A-

296 American Republic Ins Co	IA	A-
297 MedAmerica Ins Co	PA	NR
298 Royal Neighbors of America	IL	A
299 Lincoln Heritage Life Ins Co	IL	A-
300 Pavonia Life Ins Co of MI	MI	NR

301 First Catholic Slovak Ladies	OH	A-
302 Shenandoah Life Ins Co	VA	A-
303 Catholic United Financial	MN	NR-5
304 MedAmerica Ins Co of New York	NY	NR
305 Athene Life Ins Co of NY	NY	A

306 Fidelity Security Life Ins Co	MO	A
307 UNICARE Life & Health Ins Co	IN	A-
308 Auto Club Life Ins Co	MI	A
309 EMC National Life Co	IA	A-
310 United Fidelity Life Ins Co	TX

311 Investors Heritage Life Ins Co	KY	B+
312 Government Personnel Mutual	TX	A-
313 Ozark National Life Ins Co	MO	A-
314 Anthem Life Ins Co	IN	A
315 Triple-S Vida Inc.	PR	B++

316 Ability Ins Co	NE	NR
317 Pacific Beacon Life Reassur	HI	A
318 HM Life Ins Co	PA	A
319 Crown Global Ins Co of America	DE	A-
320 AAA Life Ins Co	MI	A

	State Located	A.M. Best

321 WEA Ins Corporation	WI
322 Sentinel Security Life Ins Co	UT	B++
323 Guarantee Trust Life Ins Co	IL	A-
324 Continental American Ins Co	NE	A+
325 Oceanview Life & Ann Co	CO	A-

326 Security National Life Ins Co	UT
327 Farm Bureau Life Ins Co of MO	MO	A-
328 Monarch Life Ins Co	MA	E
329 All Savers Ins Co	IN	A
330 Health Net Life Ins Co	CA	NR	A-

331 Motorists Life Ins Co	OH	A-
332 National Benefit Life Ins Co	NY	A+
333 Investors Preferred Life Ins	SD	NR
334 Cooperativa de Seguros de Vida	PR	C
335 New Era Life Ins Co	TX	B++

336 Natl Teachers Assoc Life Ins	TX	A-
337 Investors Life Ins Co of NA	TX	B+
338 U.S. Financial Life Ins Co	OH	NR
339 American Slovenian Cath Union	IL	NR-5
340 Pioneer Mutual Life Ins Co	ND	NR

341 Optum Ins of Ohio Inc.	OH
342 Combined Life Ins Co of NY	NY	A+
343 Standard Life & Acc Ins	TX	A
344 Croatian Fraternal Union	PA	NR-5
345 Centurion Life Ins Co	IA	NR

346 William Penn Association	PA	NR
347 Mutual Savings Life Ins Co	AL	A-
348 LifeSecure Ins Co	MI	NR
349 Atlantic Coast Life Ins Co	SC	B++
350 Companion Life Ins Co	SC	A+

351 Grange Life Ins Co	OH	A-
352 Settlers Life Ins Co	WI	A-
353 Polish Nat’l Alliance of US NA	IL	NR-5
354 National Farm Life Ins Co	TX	B++
355 Everence Association Inc.	IN	NR-5

356 Fidelity Life Association	IL	A-
357 First Catholic Slovak Union	OH
358 Harleysville Life Ins Co	OH	A-
359 Nassau Life Ins Co of Texas	TX	B+
360 American Fidelity Life Ins Co	FL	B++

	State Located	A.M. Best

361 Unimerica Ins Co	WI	A
362 M Life Ins Co	CO
363 First Health Life & Health Ins	TX	A
364 Central States H&L Co of Omaha	NE	A-
365 Continental Life Brentwood TN	TN	A

366 Best Meridian Ins Co	FL	A-
367 DL Reins Co	DE	NR
368 Loyal American Life Ins Co	OH	A
369 Pacific Century Life Ins Corp	AZ	NR
370 Berkley Life & Health Ins Co	IA	A+

371 Universal Guaranty Life Ins Co	OH
372 Sons of Norway	MN	NR-5
373 National Mutual Benefit	WI
374 Trans World Assur Co	CA	B++
375 Educators Life Ins of America	IL

376 Columbian Life Ins Co	IL	B++
377 American-Amicable Life Ins TX	TX	A
378 Philadelphia American Life Ins	TX	B++
379 Unity Financial Life Ins Co	OH	B++
380 Freedom Life Ins Co of America	TX	A

381 Cotton States Life Ins Co	GA	NR
382 Chesterfield Reins Co	MO	NR
383 Trinity Life Ins Co	OK
384 Security Plan Life Ins Co	LA
385 5 Star Life Ins Co	NE	A-

386 Standard Life Ins Co of NY	NY	A
387 National Income Life Ins Co	NY	A
388 COUNTRY Investors Life Assur	IL	A+
389 Church Life Ins Corp	NY	A-
390 Western Fraternal Life Assoc	IA	NR-5

391 American Progressive L&H NY	NY	NR
392 American Continental Ins Co	TN	A
393 Capitol Life Ins Co	TX	B++
394 Sunset Life Ins Co of America	MO	A-
395 Corporate Solutions Life Re	DE	B+

396 Family Service Life Ins Co	TX	NR
397 Old American Ins Co	MO	A-
398 Trustmark Life Ins Co	IL	A-
399 Nassau Life & Ann Co	CT	B+
400 American Home Life Ins Co	KS	B++

	State Located	A.M. Best

401 Amer Life & Acc Ins Co of KY	KY
402 United States Letter Carriers	TN	NR-5
403 Occidental Life Ins Co of NC	TX	A
404 Hermann Sons Life	TX
405 Federal Life Ins Co	IL

406 Globe Life Ins Co of NY	NY	A
407 LifeWise Assur Co	WA	A
408 Family Benefit Life Ins – MO	MO	NR
409 SPJST	TX	NR
410 Chesapeake Life Ins Co	OK	A

411 UnitedHealthcare Life Ins Co	WI	A
412 Midwestern United Life Ins Co	IN	NR	A-
413 United Transportation Union	OH	NR
414 Nippon Life Ins Co of Amer	IA	A-
415 Clear Spring Life Ins Co	TX	NR

416 Unified Life Ins Co	TX	B++
417 First Berkshire Hathaway Life	NY	A+
418 Park Avenue Life Ins Co	DE	NR
419 Western Catholic Union	IL	NR-5
420 Slovene National Benefit Soc	PA	NR

421 Police & Firemen’s Assoc	IN	NR-5
422 Optimum Re Ins Co	TX	A
423 Great Southern Life Ins Co	TX	A
424 Woman’s Life Ins Society	MI	NR
425 American Benefit Life	OK	B++

426 Madison National Life Ins Co	WI	A-
427 Kilpatrick Life Ins Co	LA
428 Polish Roman Catholic Union	IL	NR
429 Loyal Christian Benefit Assoc	PA	NR-5
430 John Alden Life Ins Co	WI	NR

431 PacifiCare Life & Health Ins	IN	NR		AA-
432 Selected Funeral & Life Ins Co	AR
433 Puritan Life Ins Co of America	AZ	B++
434 American Life & Security Corp.	NE	B++
435 State Mutual Ins Co	GA	NR

436 4 Ever Life Ins Co	IL	A-
437 Ukrainian National Association	NJ
438 Independent Life Ins Co	TX	NR			A-
439 Life Ins Co of Boston & NY	NY	A
440 Cincinnati Equitable Life Ins	OH	A

	State Located	A.M. Best

441 Natl Farmers Union Life Ins Co	TX	B+
442 IA American Life Ins Co	TX	A
443 National Catholic of Foresters	IL	NR-5	BBB-
444 NYLIFE Ins Co of Arizona	AZ
445 Catholic Holy Family Society	IL	NR-5

446 Bankers Fidelity Life Ins Co	GA	A-
447 KJZT Family Life	TX	NR
448 CICA Life Ins Co of America	CO
449 Jefferson Natl Life Ins Co NY	NY	NR
450 Reserve National Ins Co	IL	A-

451 New Era Life of the Midwest	TX	B++
452 GPM Health & Life Ins Co	WA	A-
453 ISDA Fraternal Association	PA	NR
454 Garden State Life Ins Co	TX	A
455 London Life Reins Co	PA	A+

456 Manhattan National Life Ins Co	OH	B++
457 Amalgamated Life Ins Co	NY	A
458 Southern Financial Life Ins Co	LA
459 CSA Fraternal Life	IL	NR-5
460 Portuguese Fraternal Soc of Am	CA	NR

461 United Funeral Dir Benefit	TX	NR
462 American Retirement Life Ins	OH	A
463 Amer Natl Life Ins Co of Texas	TX	A
464 Jamestown Life Ins Co	VA
465 Catholic Ladies of Columbia	OH	NR

466 Sentry Life Ins Co of New York	NY	A+
467 Lumico Life Ins Co	MO	A
468 Life Ins Co of Alabama	AL	B++
469 Multinational Life Ins Co	PR	B++
470 Luso-American Life Ins Society	CA	NR

471 Mutual Beneficial Assoc Inc	DE
472 UTIC Ins Co	AL	NR
473 Delaware American Life Ins Co	DE	A+
474 Standard Security Life of NY	NY	A-
475 Professional Ins Co	TX	B++

476 State Life Ins Fund WI	WI
477 Enterprise Life Ins Co	TX	A
478 Starmount Life Ins Co	ME	A-
479 Supreme Council Royal Arcanum	MA
480 Omaha Ins Co	NE	NR


	State Located	A.M. Best
481 Old Republic Life Ins Co	IL	B++
482 Caterpillar Life Ins Co	MO
483 Frandisco Life Ins Co	GA	NR
484 Pioneer Security Life Ins Co	TX	A
485 United Home Life Ins Co	IN	A-

486 LifeMap Assur Co	OR	A-
487 Texas Service Life Ins Co	TX	NR
488 Germania Life Ins Co	TX	B++
489 American Public Life Ins Co	OK	A+
490 Parker Centennial Assur Co	WI	A+

491 Old United Life Ins Co	AZ	A
492 Alliance Transylvanian Saxons	OH	NR-5
493 Sterling Investors Life Ins Co	IN	NR
494 Renaissance L&H Ins Co of Amer	IN	A
495 Catholic Union of Texas KJT	TX	NR-5

496 AAA Life Re Ltd.	HI	A
497 American Century Life Ins Co	OK	NR
498 PartnerRe Life Reins America	AR	A+
499 Slovak Catholic Sokol	NJ	NR-5
500 National Health Ins Co	TX	A-

501 Pioneer American Ins Co	TX	A
502 Central Security Life Ins Co	TX
503 Locomotive Engineers&Conductor	MI	NR
504 Zurich American Life Ins Co NY	NY	NR
505 LifeShield National Ins Co	OK	B++

506 S.USA Life Ins Co	AZ	A-
507 Humana Ins of Puerto Rico	PR	B++
508 Trans-Oceanic Life Ins Co	PR	B++
509 Nassau Life Ins Co of Kansas	KS	B+
510 Citizens Fidelity Ins Co	AR

511 Popular Life Re	PR	B++
512 Greater Georgia Life Ins Co	GA	A
513 National Foundation Life Ins	TX	A
514 Senior Life Ins Co	GA	NR
515 Delta Life Ins Co	GA	NR

516 Southern Life & Health Ins Co	WI
517 Bluebonnet Life Ins Co	MS	A
518 American Savings Life Ins Co	AZ	NR
519 Advance Ins Co of Kansas	KS	A
520 Commencement Bay Risk Mgmt Ins	WA	A

Wrap Up

Checking a life insurance company’s financial ranking 2021, specifically from A.M. Best is paramount before moving forward with an insurer to protect your family or business. A.M. Best is the only major rating agency that focuses exclusively on insurance. By selecting a life insurance company with an A- (Excellent) or better rating: A (Excellent), A+ (Superior) or A++ (Superior) you can have the peace of mind a third party rating agency has determined the insurer has an Excellent or Superior ability to pay out any future claims.

Tags 2021, A (Excellent), A.M. Best rating life insurance 2021, A+ (Superior) or A++ (Superior), Comdex ranking 2021 life insurance, Fitch Ratings 2021 life insurance, Life insurance company rankings 2021, Life Insurance Company Ratings, Life Insurance Company Ratings 2021, Life Insurance Ratings 2021, Moody's 2021 life insurance ratings

Term Life Insurance

Best Rates for $600k Term Life Insurance

Post author By Brian
Post date February 3, 2021
No Comments on Best Rates for $600k Term Life Insurance

If you’re reading this you’re likely looking to see which companies offer the best rates for a $600k ($600,000) term life insurance policy. The good news is that if you are healthy or even if you have some health issues, the prices for $600k can be very affordable. I’ll put a table below to show the rates.

Table of Contents

Who Needs A $600k Life Insurance Policy?

There are many reasons why one may need the specific amount $600,000 of term life insurance. These can include:

Income replacement (typically 7 to 20 years of annual income)
Mortgage balance
Cover college expenses for children
Bank loan
Key person coverage
Debts

Who are the Best Life Insurance Companies for $600k Coverage?

Below are the best life insurance companies (in order by price) for $600,000 term life insurance coverage. The sample rates below are for 45-year old male at each companies best health class. Please keep in mind that each company has their own underwriting guidelines so rates can change depending on age, build, medications, health history, family history, and other health issues.

Life Insurance Company	Coverage Amount	Term Length	Monthly Premium
Transamerica	$600,000	20 Year Term	$57.28
Sagicor Life	$600,000	20 Year Term	$57.56
Banner Life	$600,000	20 Year Term	$59.65
Protective Life	$600,000	20 Year Term	$59.74
Pacific Life	$600,000	20 Year Term	$60.51
AIG	$600,000	20 Year Term	$60.76
Principal National	$600,000	20 Year Term	$60.96
Penn Mutual	$600,000	20 Year Term	$62.74
North American	$600,000	20 Year Term	$63.80
Lincoln National	$600,000	20 Year Term	$63.97
Prudential (Pruco)	$600,000	20 Year Term	$64.67
John Hancock	$600,000	20 Year Term	$64.81
Nationwide	$600,000	20 Year Term	$66.41
Mutual of Omaha	$600,000	20 Year Term	$69.88
MassMutual	$600,000	20 Year Term	$71.78
Northwestern Mutual	$600.000	20 Year Term	$73.36
New York Life	$600,000	20 Year Term	$77.63
Primerica Life Insurance	$600,000	20 Year Term	$81.80

Best No Exam Term Life Insurance Companies for $600k Coverage

Below are life insurance rates (in order by price) for $600,000 term life insurance coverage with no medical exam. The sample rates below are for 45-year old male at each companies best health class. Please keep in mind that each company has their own underwriting guidelines so rates can change depending on age, build, medications, health history, family history, etc.

Life Insurance Company	Coverage Amount	Term Length	Monthly Premium
Sagicor Life	$600,000	20 Year Term	$57.56
SBLI	$600,000	20 Year Term	$70.43
Bestow	$600,000	20 Year Term	$71.83
Lemonade	$600,000	20 Year Term	$71.83
Ladder Life	$600,000	20 Year Term	$78.00
Ethos Life	$600,000	20 Year Term	$83.00

Bestow vs. Lemonade vs. Ladder vs. Ethos vs. Sagicor vs. SBLI Life Insurance

In comparing the no exam life insurance rates between: Bestow vs. Lemonade vs. Ladder vs Ethos vs. Sagicor vs. SBLI, Sagicor does have the lowest rate. However; SBLI, Bestow, Lemonade and Ladder are all in the same ballpark. Ethos Life seems to be the highest priced for a $600k 20 year term for a health 45 year old male. (See the chart above for the rates.) Every applicant’s situation is different so your rates could vary depending on your age, health, coverage amount, term and other underwriting factors.

Is $600k Term Insurance Better Than $600k Whole Life Insurance?

For the majority of people, term life insurance is a better option than whole life/permanent life insurance. The reason why is that younger people are looking for the most amount of life insurance coverage and at the best price. That is what term life insurance provides. Many people looking for life insurance are looking to protect their; income, spouse, children and debts to a certain age-stage in life. Term life insurance (depending on your age) allows you to choose 10, 15, 20, 25, 30, 35 or even 40 year level term lengths. This means once you are approved the rate won’t change for that time but you can cancel anytime without a plenty.

For most people at a certain age, the kids are grown, the house is paid off or paid down, you have assets and retirement accounts so the need for life insurance is reduced of hopefully even eliminated and therefore you become self-insured. You have a substantial amount money in the bank, have a solid 401k, equity in the house and other assets. The loss financially won’t be as crushing after the term since the kids are adults, the house is paid off, etc. Since whole life insurance is about 5x or more the cost of term life insurance, by having term insurance you can invest the difference. Also, you won’t have the large monthly premium obligation that whole life has. In addition, be obtaining term life insurance and investing he difference, it’s your money. Unlike whole life insurance that is tied up in a policy and you have to pay interest to borrow your own money, if you invest the money yourself you are liquid. This is what Dave Ramsey explains below in the video. Also, Suzy Orman and Clark Howard recommend the same thing.

It is better for the agent if you choose whole life insurance over term life insurance because the premium is much more expensive. Agents are paid based on the annual premium and whole life insurance is about five times or more expensive than term. That is why many agents, especially field agents that don’t produce a lot of business recommend whole life.

Instances where whole life or permanent life are usually better is term life are; if you need estate planning, have a special needs child, want to leave life insurance for a child no matter how long you live, charitable donations to a school or foundation after you pass away.

$600,000 Whole Life Insurance Rates

Below are life insurance rates (in order by price) for $600,000 permanent life insurance coverage. The sample rates below are for 45-year old male at each companies best health class. Please keep in mind that each company has their own underwriting guidelines so rates can change depending on age, build, medications, health history, family history, etc.

Life Insurance Company	Coverage Amount	Monthly Premium
Penn Mutual	$600,000	$389.76
Nationwide	$600,000	$411.60
Pacific Life	$600,000	$407.08
Columbus Life	$600,000	$433.03
Midland National	$600,000	$467.00
AIG (American General)	$600,000	$498.94

Rates for a no-lapse universal life insurance policy to age 121

$600k Term Life Insurance- Wrap Up

There are over 500 life insurance companies in 2021 and choosing the right insurer can be easy if you shop around. Since each life insurance company has their own underwriting guidelines and rate charts, each one will have a different rate, all 500 of them. So a company that may have the lowest rate for one person may not for another. Factors such as your age, height/weight, blood pressure, cholesterol, medications, family history, driving record and many other factors will determine which company will offer the best rates for you. I always recommend to compare rates from multiple highly rated companies to ensure you are getting the best price. You can do this by calling the companies individually and receiving a quote from each one or use a broker/agent that do the shopping for you and knows the underwriting guidelines for each company. This will save you a lot of time and money. The best part, since there is no price difference between going to a company directly or using an agent/broker (not allowed to be different by law) you will have an advocate on your side that can talk to the underwriter if need be to to help you get approved and at the lowest rate.

How to Get The Best Rate for $600,000 ($600k) Life Insurance

Compare Rates
Each life insurance company has their own underwriting guidelines based on: age, health, height/weight, blood pressure, cholesterol, family history, driving history, etc. so it’s important to shop around and compare rates from multiple life insurance companies.
Fast for the Medical Exam
For those who opt to take the paramed exam, make sure you fast for 8-12 hours. I recommend taking the paramed first thing in the morning when you wake up before you eat, have coffee or exercise. First thing in the morning is when your blood pressure, weight and other readings will be the lowest.
No Exam Option
For those who choose to not do the paramed, make sure you shop around. There are many new startups offering no exam life insurance in 2021. While the process for these companies are convenient, they can also be expensive.

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Underwriting

Testing Positive for Nicotine (Cotinine) on the Life insurance Paramed Exam- What are your Options?

Post author By Brian
Post date February 3, 2021
No Comments on Testing Positive for Nicotine (Cotinine) on the Life insurance Paramed Exam- What are your Options?

If you’re reading this article you likely have tested positive for nicotine on your life insurance paramed exam. If this has happened to you, you’re not alone. The good news is there are several options you have and I’ll go over those in more detail below.

Table of Contents

The Life Insurance Medical Exam Test for Nicotine

As part of the underwriting process for life insurance, most carriers will do a no-cost 30-minute paramed exam to verify your health. The exam will typically include a small blood and urine sample. The urine sample (urinalysis) can detect several items including nicotine or cotinine.

When someone smokes a cigarette, chews or dips tobacco, smokes a cigar, vapes or is exposed to secondhand smoke, the nicotine is absorbed into the bloodstream. Once this happens the liver breaks down the enzymes which becomes cotinine. This is what is detected on the life insurance medical exam.

How Accurate is the Life Insurance Nicotine Test?

The life insurance nicotine test is extremely accurate and is very rarely incorrect. I had several underwriters tell me the levels they use to detect cotinine are high enough (accurate enough) that they can tell if the applicant actually smoked or sat next to someone who did and inhaled secondhand smoke.

Options if You Tested Positive for Nicotine on the Life Insurance Medical Exam

The good news there are several options you have if you tested positive for nicotine on the life insurance medical exam.

1. Did you smoke a cigar or chew/dip prior to the paramed?

A common reason why someone will test positive for nicotine is they will forget (or didn’t know it would affect it) about the upcoming paramed exam and smoke a cigar on the golf course or at a party prior to the paramed. This will result in a positive nicotine test and the underwriter will think you are a cigarette smoker. If this was the case, the good news that there are a very few select number of carriers that will allow you to pivot over to their company and get a non-tobacco rate if in fact it was a cigar or chew/dip and not a cigarette. (Caveat, you definitely want to be honest. If it was a cigarette and not a cigar or chew/dip/pipe, don’t lie, it’s not worth it. All life insurance polices are contestable in the first two years if you pass away and were dishonest on your application.)

2. Accept a 10-Year Term and Reapply in 12 Months

If you did smoke a cigarette prior to the paramed and tested positive for nicotine/cotinine, you will have to wait 12 months from the date of the paramed exam (if you don’t smoke after that) to receive a non-tobacco rate. If you currently don’t have any life insurance coverage, you still will need to protect your family, business, income, children, etc. for the next 12 months. Many people will accept the shortest term available which is a 10 year term so the rate is more affordable and their family is still protected if anything unexpected were to happened in the next 12 months. Also, if their health changes or you do smoke again, at least the rate is locked in for the next 10 years. Also, you can cancel anytime without a penalty which most people will do after 12 months if they haven’t smoked a cigarette and will reapply for a new policy at that time, which will provide peace of mind knowing their family is protected in the interim.

3. Accept a Coverage Amount and Term That is Affordable and Reapply in a 12 Months

This is similar to number two above, the difference being some people like to accept a 15, 20 or even 30 year term in an effort to “hedge their bets” so to speak. In case your health changes in the next 12 months or however long it takes to not smoke a cigarette for 12 full months straight, and God forbid you develop cancer, have a heart attack or some other unforeseen health event, then you still have the policy locked for the next 10, 15, 20 or 30 years.

The good part is you can still cancel anytime without a penalty and reapply in 12 months since after the paramed, or after your last cigarette and get the better rates. However, if you health changes in the next 12 months your family is still covered for the term you select and the rate won’t change. Many people like this peace of mind.

3. Not Accept and Wait 12 Months and Reapply

This is the least recommend option unless you currently have life insurance and are replacing a current policy.. You do not want to leave your family unprotected, even for a year. You just never know. Not only could you pass away in the next 12 months but your health could change leaving you uninsuranble. If someone doesn’t have life insurance and does have a spouse, children, mortgage, etc. I always recommend to “bite the bullet” and pay the higher premium for a year (and or lower the coverage or change to a 10 year term for the next 12 months) then reapply in 12 months so your loved ones are covered and you will have that peace of mind.

Wrap Up– Testing Positive for Nicotine (Cotinine) on the Life insurance Paramed Exam- What are your Options?

If you applied for life insurance and tested positive for nicotine (cotinine) and your rate increased, you’re not alone. I have helped hundreds of applicants in this situation. The options I outlined above are the ones I recommend. Most people who don’t currently have life insurance will accept a policy that is affordable so their family is covered now. Then they will reapply in 12 months after the paramed exam (a long as they don’t smoke a cigarette in the next 12 months) for the lower rate. You “bite the bullet” so to speak and pay a higher premium for the next 12 months but your family is protected (as well as hedge against in your health changes in the next year) so both you and your family will have the peace of mind knowing they won’t be financially devastated if anything unexpected were to happen to you.

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Medications

Does a testosterone or estrogen supplement affect life insurance?

Post author By Brian
Post date December 31, 2020
No Comments on Does a testosterone or estrogen supplement affect life insurance?

When talking to people about their life insurance medications, it’s common that many people are on a hormone supplement therapy for added testosterone (typically for low T) or estrogen (typically for menopause). I wanted to quickly address if this will affect life insurance rates.

Testosterone or estrogen medication and life insurance

The good news is that taking a testosterone supplement for men or estrogen supplement for women will not your affect life insurance rates. In the 4k life insurance policies I have placed in-force, I can never recall one time where it affected the rate. Whether you are taking the injection, gel, patch or tablet, taking a hormone medication should not affect your life insurance.

If you have any questions on how life insurance works or what is right for you and your family don’t hesitate to call me to discuss your needs. No obligation or commitment. Also, feel free to run as many quotes as you like on our instant quoter.

Life Insurance Rates By Age

How much is a million dollar life insurance policy for a 50 year old man?

Post author By Brian
Post date December 2, 2020
No Comments on How much is a million dollar life insurance policy for a 50 year old man?

Are you looking for how much is a million dollar life insurance policy for a 50 year old man? Then this is the article for you. They say 50 is the new 40 or even 30 and many life insurance companies seem to agree. The life insurance rates for a 50 year old are very affordable, even inexpensive as I will show in the table below.

As life expectancy and modern medicine continue to improve, so do life insurance rates, especially for those age 50 and over. At the age of 50, many still have the need for a million life insurance policy to protect a: spouse, mortgage, dependent children and or children in college, and future income. The good news is that life insurance premiums have never been lower for someone 50 years old.

Table of Contents

How much is a million dollar life insurance policy for a 50 year old man?

Below are the rates for a $1,000,000 life insurance policy for a fifty year old male at the best health class for a level term policy.

Term	10 Year Fixed	15 Year Fixed	20 Year Fixed	25 Year Fixed	30 Year Fixed
Premium:	$70 month	$103 month	$134 month	$201 month	$245 month

No exam life insurance

Term	10 Year Term	15 Year Term	20 Year Term
Premium:	$96 month	$125 month	$145 month

Whole life insurance (universal life)

Permanent	To Age 110	To Age 121
Premium:	$736 month	$747 month

Illustration- a million dollar life insurance policy for a 50 year old man

Million Dollar Life Insurance Policy 50 year old man

$1 million 20 year term: $134 month

Million Dollar Life Insurance Policy 51 year old man

$1 million 20 year term: $146 month

Million Dollar Life Insurance Policy 52 year old man

$1 million 20 year term: $161 month

Million Dollar Life Insurance Policy 53 year old man

$1 million 20 year term: $178 month

Million Dollar Life Insurance Policy 54 year old man

$1 million 20 year term: $198 month

Million Dollar Life Insurance Policy 55 year old man

$1 million 20 year term: $221 month

Million Dollar Life Insurance Policy 56 year old man

$1 million 20 year term: $246 month

Million Dollar Life Insurance Policy 57 year old man

$1 million 20 year term: $274 month

Million Dollar Life Insurance Policy 58 year old man

$1 million 20 year term: $307 month

Million Dollar Life Insurance Policy 59 year old man

$1 million 20 year term: $345 month

These are the rates for a million life insurance policy for a male at the best health class.

Underwriting

Getting approved for a million dollar life insurance policy at 50 years old can be an easy process. I will put the steps below.

Shop the market and choose the life insurance company with the best rate for your health profile.
Complete the application.
Complete the free paramed exam or phone interview for no exam policies.
Wait for underwriting approval.
Review and active policy.

The paramed for a life insurance policy for a 50 year old man will require a simple 30 minute free paramed exam that includes, height, wight, blood pressure and a small blood and urine sample. This is to verify you are healthy to receive the lowest rate.

Conclusion

A 50-year old man seeking a million life insurance policy can have a sigh of relief that the premiums are very affordable. With major advancements in modern medicine and increases in life expectancy, life insurance companies have followed suit to lower the premiums for those age 50 and above. As you saw in the tables, a 50 year old male can qualify for a one million life policy on a 10 year fixed term for $70 month and a 20 year term for $134 month! Life insurance is based on your age and health, so it’s imperative to lock in the rate while you are younger and healthy.

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Medications

How Statins Affect Life Insurance

Post author By Brian
Post date July 14, 2020
No Comments on How Statins Affect Life Insurance

Statin medications are some of the most popular medications in the country today and thus a common question is if statins affect life insurance underwriting. Statins are taken to lower cholesterol and to reduce the risk from heart disease and stroke. It’s also not uncommon for someone to be prescribed a statin to use in combination if they are have diabetes and taking Metformin. Some of the most prescribed statins are Simvastatin (generic for Zocor), Atorvastatin (generic for Lipitor) and Pravastatin (Pravachol). 1

Table of Contents

Will Taking A Statin Affect My Life Insurance Rates?

The short answer is no. Nearly every carrier I represent such as; Prudential, Pacific Life, AIG, Mutual of Omaha, Protective Life, Banner Life, etc. will not penalize you for taking a statin.

Fortunately, life insurance companies underwrite cholesterol by looking at your actual readings (total cholesterol, HDL ratio and triglycerides), whether you’re on a medication or not is not a factor. The industry uses the terms treated or untreated, which just means they just look at the actual readings, the numerical values, and whether you’re taking a medication is not relevant.

Additional Information about Statins & Life Insurance

As discussed, if you had elevated cholesterol readings in the past and now it’s now controlled with a statin drug (even multiple medications are ok) it will not affect your rate today. Also, for those who just took a life insurance paramed exam and found out you had elevated cholesterol, HDL ratio or triglycerides you can go to your doctor and go on a cholesterol reducing medication. Once your levels are back to normal and controlled, you can then reapply and get the best rate. From my experience, statins work very well at lower cholesterol and very quickly.

Options Available After The Paramed Exam With High Cholesterol

1. Have a broker compare your current readings from the paramed exam to the other top carriers’ guidelines and pivot over to them.

2. Once you’re approved, place the policy so you’re covered, (even on a 10 year term to make the premium lower) then go to your doctor and see if he or she recommends diet and exercise and or medication to reduce your cholesterol. Once your levels are back to normal, you can reapply. As mentioned earlier, treated or untreated typically will not affect the rate or underwriting.

3. Accept the new rate at a higher premium.

4. Decline the coverage and work on getting your readings back to normal then reapply. This is not recommended if you currently don’t have coverage since you would leave your family unprotected in the interim. Also, as mentioned you can reshop the other top carriers immediately, and also place the policy (even on a 10 year term to keep the cost down) and just reapply once your levels are back to normal (3 months, 6 months, etc). There is no penalty for doing that as life insurance policies are unilateral contacts and you can go month-to-month and cancel anytime.

Current Life Insurance Guidelines for Cholesterol and HDL Ratio

Prudential: Preferred Plus- Total Cholesterol up to 299, HDL Ratio 5.4 (male or female)

Pacific Life: Preferred Best- Total Cholesterol up to 300, HDL Ratio 4.5 male, 4.0 female

Protective Life: Preferred Plus- Total Cholesterol up to 275, HDL Ratio 4.5 (male or female)

AIG: Preferred Plus- Total Cholesterol up to 300, HDL Ratio (male or female)- Age < 45 HDL Ratio 4.5 or less• Age 45 – 69 HDL ratio 5.0 or less• Age ≥ 70 Cholesterol > 130 and HDL ratio 5.0 or less

Banner Life: Preferred Plus- Total cholesterol up to 300, HDL Ratio 4.5 (male or female)

Lincoln Financial: Preferred Best- Total Cholesterol up to 300, HDL Ratio 5.0 (male or female) up to age 69, 70 or over HDL Ratio 5.5 (male or female)

Principal Life: Super Preferred- Total Cholesterol up to 240, HDL Ratio 4.5 (male or female) up to age 64, Total Cholesterol up to 260, HDL Ratio 5. (male or female) up to age 65-85

List of Common Statins When Applying for Life Insurance

Atorvastatin (Lipitor)

Simvastatin (Zocor)

Pravastatin (Pravachol)

Fluvastatin (Lescol XL)

Lovastatin (Altoprev)

Pitavastatin (Livalo)

Rosuvastatin (Crestor)

Wrap Up

Statin medications are among the most commonly prescribed medications in the country. As such, life insurance companies view them as safe and will not affect life expectancy. This means if you are taking a statin it should not affect your life insurance rate or underwriting. Instead, life insurance company underwriters’ look at your actual readings (total cholesterol, HDL ratio and triglycerides). However, every life insurance company has their own guidelines when it comes to cholesterol, therefore it’s imperative, before and even after the life insurance paramed exam to shop around to see which carrier will offer the best rate for your cholesterol readings and health situation.

Uncategorized

Key Man Life Insurance With Elevated GGT Levels

Post author By Brian
Post date May 30, 2020
No Comments on Key Man Life Insurance With Elevated GGT Levels

Lean how to get the best key man life insurance rates if you have elevated GGT levels.

Let’s start with what GGT stands for. GGT (amma-glutamyltransferase) is an enzyme found in many organs in the body, with the highest concentrations the liver. Elevated GGT levels can indicate liver damage, some other serious health issue and or issues with chronic alcohol abuse.

Heavy drinkers of alcohol many times will have elevated liver enzymes, especially GGT. This is why elevated GGT readings are a concern to life insurance companies. If you do have elevated GGT readings, I alawys recommend to my clients that they go see their a doctor for a further evaluation to see if it anything serious and for their treatment reccomdation. In regards to the life insurance, the good news some carriers typically can offer a better rate since each insurer has their own GGT guidelines. Many times we will pivot to a new life insurance company for a good rate.

How to get the best key man life insurance rates with elevated GGT

The most important thing to to shop around. Every life insurance company has their own underwriting guidelines so one company that may offer a decline or a table rate another company may offer a standard or even preferred rating.

Give us a call or use the contact form and we’ll shop the top companies to find you the best rate if you have elevated GGT readings.