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