Apply for term life insurance with Living Benefits. They’re benefits that can be used for any purpose while living.
Traditional Life Insurance
Stroke: Not Covered
Cancer: Not Covered
Heart Attack: Not Covered
Parkinson's disease: Not Covered
Living Benefits Insurance
Protect your family’s financial future
Fast, Free Life Insurance quotes online in seconds! No personal information is required. We can help get you covered from $100,000 to $10,000,000. If you’re looking for coverage above $20 million, please give us a call.
Life insurance for Life!
It’s something insurance companies don’t want you to think about but what happens to your life insurance benefits if you outlive your policy? People today are living longer and it could happen.
Imagine a policy where you can access cash from your life insurance policy in the form of withdrawals or tax-free loans and use it to pay for medical expense and care. Traditional term life insurance policies will only pay benefits at the time of death but a Term Life with Living Benefits policy can provide protection during your lifetime as well.
Every 40 Seconds
an american will be diagnosed with a heart attack.
75% of Stroke Victims
survive the first year; 50% will survive beyond five years.
92% Of Older Adults
have at least one chronic illness; 77% have at least two.
What is Living Benefits Term Life Insurance?
My Term Life Guy has renewable term life policies available that run for a shorter term, but have the option to renew. Those terms usually run from 10 years and up to 35 based on age.
If, the unforeseen would happen, and you suffer a critical illness such as a Stroke, Heart Attack or Cancer…Instead of receiving a get well card from your insurance company, wouldn’t you prefer a Large Tax Free Check? Most of us would take the check over a card any day!
This is why life insurance with “Living Benefits” is much more valuable than a traditional life insurance policy.
Benefits of Term Life Insurance?
Modern Life Insurance
Stop buying life insurance only for death benefits, get quality of life living benefits.
Peace of Mind
Our plans provide peace of mind by offering the value of living benefits built into every product.
From 5 years to 32 years
Renewable term life policies typically run for a shorter term with the option to renew.
$100k to $10 Million
We can help get you covered from $100,000 to $10,000,000. If you’re looking for coverage above $20 million, please give us a call.
“When my husband suggested we look into life insurance, I was skeptical. I’m usually not one to go into something without taking a real hard look. After carefully analyzing what My Term Life Guy provides commensurate to the investment costs, it was a NO BRAINER! Some may refer to me as frugal or even so far as to say parsimonious, but I know when something is a bargain and offers bang for the buck. Hands down, the most comprehensive and affordable coverage possible with NO EXAMS!”
“As an accountant, I know how to add up the numbers. I analyze everything in my life right down to the most infinitesimal of items. When reviewing the competing life insurance companies offerings and pricing, nothing compared to My Term Life Guy! Right down to the penny, this is the best investment I have made in my entire life!”
Qualifying Life Events
Now include, but are not limited to the following.
If you are unable to perform, without substantial assistance, or have a severe cognitive impairment.
Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, transplant, or ALS
Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, major organ transplant, or ALS
Waives 6 months worth of premium if you become unemployed for at least 4 weeks.
Looking for a Life Insurance Quote?
You can work with an agent to find a life insurance policy and can get a personalized, free, and no-obligation life insurance quote in just a few minutes. It’s that easy to start protecting your family’s financial future! Requesting a life insurance quote through AIG Direct is now faster and easier than ever!
With My Term Life Guy, you can get quality term life insurance coverage for less. Call now and save up to 60% on your term life policy compared to the same coverage through other carriers. That means you can get similar coverage for your money with added living benefits.
* Example assumes a 50-year-old male buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class. The example assumes a 50 year old female buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class.
Term Life Insurance Rates by Age
Elite non smoker
Elite non smoker
How much does Term Life Insurance cost?
Our Provider Network
My Term Life Guy is an Independent Life Insurance Agency working with dozens of top national companies to provide you and your family with the best solution possible.
About My Term Life Guy
My Term Life Guy is a life insurance brokerage that offers the best possible rates for the top term life insurance companies in the United States.
We have helped thousands of people save money on life insurance for the past 30 years. Common conditions like excess weight, sleep apnea, diabetes, high blood pressure, arthritis, and heart disease are some of the issues that have prevented people from applying in the past.
New guidelines are helping those who used to be uninsurable or highly rated. We believe in educating our clients on the rating process to ensure they get the price they deserve.
My Term Life Guy is energetic and will give you the type of service that money can’t buy, so to speak! If you are looking for his type of skills, I recommend you giving him a try. I’m sure if he can’t help, he will point you in the right direction!
The Folks at My Term Life Guy are knowledgeable, helpful and most importantly accessible!
My Term Life Guy is the most knowledgeable and experienced advisor I have ever known in his field. I am a lawyer, and Scott handles 100% of my personal and firm’s business, and I have referred everyone I know to Scott… My family and relatives, my friends, and all of my firm’s clients. I cannot speak more highly of Scott and his staff.
the best of the best and always helpful.
Best Life Insurance Services
You never know what’s waiting for you around the corner. In case it’s a disaster or a disease, you need active financial cover against it. My Term Life Guy is one of the best life insurance companies in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, and Tampa FL. We believe in service and help more than anything. Our adherence to the code of humanity before the company and allowing clients to set the terms make us the most affordable life insurance company in town. So, get a coverage for you and your loved ones!
Universal Life Insurance Services
As the saying goes, when life gives you lemons, you make lemonade. In the same way, when you get the job, you must locate a universal life insurance company around you and get insured. My Term Life Guy is one of the best universal life insurance companies in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL, and its adjoining areas. Our agents are highly trained and skilled in dealing with complex issues and provide a palatable solution to our clients. We put our clients above all else which ensures our immense success in the industry. For more information, feel free to give us a call today!
Whole Life Insurance Services
There is no simple way to approach a life insurance company for cheap and guaranteed whole life insurance. You need to do a little homework or you can visit the offices of My Term Life Guy. We are a trusted name in the vicinity of Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL for an affordable whole life insurance company. It doesn’t hurt to look for affordable options around, but it is best to come here and discuss your terms. We will whip out a reasonable contract for you in no time. For one of the best whole life insurance companies, call us now!
Best IUL Life Insurance Services
The best IUL Life Insurance companies are those which will also give you the best terms and conditions in terms of how you pay your premiums. Some may not provide you with immediate coverage but will allow you to make a lump sum payment on a monthly basis.
My Term Life Guy is The Affordable IUL Life Insurance Company in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL, that provides you the best coverage & value for money when it comes to life insurance. Our range of options is flexible and will help you find the perfect policy. We also provide you with the best online service so that you can get all the information you need right from the comfort of your own home. It’s important that you consider every aspect of this life insurance including the price of the premiums when looking for the best IUL Insurance services.
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Frequently Asked Question
How Much Coverage Will I Qualify For?
Typically, an individual can get up to 20 times her or his annual income in coverage.
The total coverage amount a person will qualify for often decreases with age, as retirement draws nearer.
For those who are not currently employed, it is still possible to get $50,000 – $100,000 of coverage for items such as final expenses. Unemployed individuals will have to provide information on the application to prove they can afford the premiums, such as disability or retirement income information.
It is possible to get more than 20 times your income for coverage if you have additional assets to protect over and above your income. It is also possible for a homemaker to qualify for the same amount of coverage their spouse has, even without a separate income.
How long does it take to get an insurance policy?
This depends on what kind of policy you apply for.
Typically a No Medical Exam policy can be applied for, approved, and put in force within approximately two business days. No Medical Exam policies are available to clients up to age 60 or so, depending on the insurance company. The coverage amount you can apply for is limited, due to the greater risk the insurance company is taking. (When there’s no physical exam involved, the insurance company has less health information about the applicant.) For healthy applicants, these policies can cost up to twice the rate of a medically underwritten policy. However, there are people who don’t like needles, and the No Medical Exam option is a great one for that reason!
A medically underwritten, or traditional, term policy will typically take about 3 weeks from start to finish. This process can take longer when applicants have health issues and the underwriter orders medical records from their doctor. If this occurs, we let our clients know that they can call and ask their doctor to expedite the submission of the medical records to the underwriter in an effort to speed up the application process.
What kind of payment options
Most carriers have the same rules when it comes to paying premiums on life insurance policies. The only way to make monthly payments these days is to authorize a monthly automatic draft from your checking or savings account. If you prefer not to make automatic payments, there are some other options. You can receive a bill by mail if you elect to pay quarterly, semi-annually, or annually. Most people choose to make automatic payments for their life insurance for the same reason they do for other bills, such as car insurance: they don’t want their policy to be canceled because of non-payment.
Do I have to send a down payment with my applciation?
You do not have to send a payment with your application, unless you want to be covered during the underwriting process (which typically takes about 3 weeks). Most people choose to wait until their application has been approved to make a payment and begin coverage. Once an approval is made, you can make changes to the policy to fit your budget if the rate that comes back is different from the one you applied for. Also, most people want to know the exact cost before making a payment to begin coverage. You do not have to provide billing information on the application, either. That information can be collected after an approval has been made and you’ve decided that you want to begin the coverage afforded by the policy.
If you want to secure temporary insurance and be covered during the underwriting period, simply include a payment for two months’ premium. It’s refundable if you decide not to take out a policy based on the final approved rate.
What if I have pre-existing conditions?
It depends on the pre-existing condition. For example, it’s difficult to obtain life insurance when you’ve had cancer (skin cancer is the one exception) or within 5 years after having a heart attack. On the other hand, it’s fairly easy for people who have high blood pressure, high cholesterol, and/or high blood sugar, such as those with type 2 diabetes, to obtain coverage as long as they are under a doctor’s care and the condition is under control.
There are graded benefit and/or final expense policies available for people with greater health risks. The corresponding premiums will be higher, depending on the severity of the pre-existing condition. It’s often beneficial for an applicant with pre-existing conditions to discuss them with an agent before applying for coverage, to increase the chances of a more favorable approval.
Should I replace my existing life insurance policy?
That depends on your needs. A person’s needs change over time. Most term life insurance policies have a premium that increases each year after the initial guaranteed level term period. If you are nearing the end of your initial term period and want to lock in a rate that won’t change for another predetermined number of years, it might benefit you to apply for a new policy and replace, or surrender, the old one.