Term Life Insurance-Term Life Insurance Rates

green eyes asked:


I am looking for term life insurance, meaning the rate would would locked for 30 years regardless of my husband and I getting older.
I just have couple questions, i am hoping someone would shed some light:
what does this mean??: The Select-a-Term provides a level death benefit term to age 95

also what does this mean? Current premiums are guaranteed level for the first 15 policy years.
if i am selecting 30 years, why are they only guaranteed for 15 years? also, what else should I be looking for?

thank you!

Page Blachly

yoke asked:


I am 45 years of age,my friend just bought AIG AGLAFlex proplus unversal life insurance, he said, this kind of insurance can take of money from policy to pay for you hosptial or medicen when you got critical illness or chronic illness.most of the life insurance can not do that,if I buy this kind of insurance, I don’t need to buy long-term care insurance. I am healthy person and unversal life will cost me $80 per month for $100,000 coverage.
I check with my friend and that what he said,AGLAFlex is different than other life insurance, you can take out large sum amount of money at once when you need for your medicare, After you recovery from sick, what ever left over that you don’t use,you can keep it,this insurance can help you when you still alive,not after you pass away, I know I have helth insurance, but you never know you will have a job in the future.

Zane Dumaine

need help asked:


My husband tested positive for cocaine 6 years ago when he had a physical for life insurance. He was a recreational drug user and has not used in 5 years. Since then we met, married, and had a child. We were looking into getting life insurance for him but know it will be difficult. The positive screen is listed on his MIB report for 1/2002. Is it possible that he get a term life isurance policy and where?

Freda Zahl

krislee08 asked:


I am 40 yrs old non smoker female. My husband is 48 yr old smoker and has hep C but not at all at a bad level. His level is stable and low. He has had it since 2000-
Question – a 150,000 life paying per month and when I hit 65 years old is there a life insurance that you can take out against your policy? Is there a difference between term and whole life insurance (not sure if that is correct) I wouldnt get it with my husband but only for me.
Any suggestions?
I would have a spouse that needs the money if I go before him. He is getting a settlement in 2 years and we are putting most of it away for 20 years from now but even then who knows how things will be we may need more. Can you b orrow out from term life insurance?

Charley Smaldone

jesparza39 asked:


Since the insurance company are so restricted is it possible for me or anyone older then dirt-take out term life insurance???,thinks for any answer!!

Tara Camara

budorbf asked:


I want to replace some ART life insurance with level term. But I’m worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.

Monnie Giese

fords5 asked:


what is the simplest way to understand what the difference is between WHOLE or TERM life insurance?

Milford Brusco

dog whisperer asked:


I know this sounds dumb, but do i just put the policy in a safe deposit box until I die? I’m in my 40′s and know I need to get a policy, and just have so many questions that I can’t seem to find the answers to on the web. Any help is appreciated, as well as any websites that give a lot of info. The salesmen are sooo pushy sometimes. I’ve been on Suzeorman.com, but I can’t seem to find all the answers there.

David Keitt

Black H asked:


i am a 50yr. old male, healthy

Arlen Rousey

just wondering asked:


I remarried a couple years ago, and have a baby now. I need to get some more term life insurance. I’m 42, probably 10-15 pounds overweight, don’t smoke/drink. The catch is… my birthday is coming up in a few weeks, and right after that, I’m travelling outside the country. I thought I read somewhere that getting new/more life insurance just before travelling jacks-up the price, and I know the older you get, the more it costs. My question is: should I get it now (and pay extra coz I’m travelling, but pay less coz it’s before my birthday), or get it when I return (and pay less coz the travel is done, but pay more coz I’m 1 year older)?? Maybe another choice is to wait even longer til I get rid of the extra wait (to put me in a lower risk category?). Hope there’s some agent/broker out there who can answer or set the facts straight that I’ve got wrong. Thanks for your time and assistance…

Shirley Flagg