Fast, Free Life Insurance quotes online in seconds! No personal information required. We can help get you covered from $100,000 to $10,000,000.
Fast, Free Life Insurance quotes online in seconds! No personal information 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.
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.
Ensure your family’s financial security with a life insurance plan designed to safeguard what matters most.
Build a financial legacy while protecting your future with innovative insurance solutions.
Say goodbye to complicated processes and hello to clear, easy-to-understand policies.
Find the right plan that fits your unique lifestyle and financial goals.
Getting the right life insurance has never been easier. Follow these simple steps to protect your future and loved ones today.
💡 Pro Tip: The more details you provide, the faster we can match you with the best options.
Our team will create a plan tailored to your needs and budget. We handle the hard work so you can focus on what matters most.
Choose the plan that fits you best, sign up, and gain the peace of mind that comes with protecting what matters most.
The beauty of life is its uncertainty. You never know what’s waiting for you around the corner. In case it’s a disaster or a disease, you need an active financial cover against it. My Term Life Guy is one of the best life insurance companies in the vicinity of Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, 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 cover for you and your loved ones!
Or view Our Rates By Age!
In your 20’s many young people are just starting to consider life insurance. Most young people are more focused on starting their career, finding a spouse, and starting a family.
Purchasing life insurance in your 40s is where most people begin to get serious about life insurance. The children are approaching college and tuition and mortgages are usually major concerns.
The primary reasons for people purchasing term life insurance in their 60s is to protect their income for their spouse. Medicare does not start until you’re mid to late 60s, and health insurance is often expensive for most people by this time.
As people reach their 60's & 70s, the need for life insurance also tends to change. Most seniors try to cover funeral expenses, provide for college tuition for grandchildren, and cover any unexpected medical expenses for surviving spouses.
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.
Stop buying life insurance only for death benefits, get quality of life living benefits.
Our plans provide peace of mind by offering the value of living benefits built into every product.
Renewable term life policies typically run for a shorter term with the option to renew.
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 – and that’s always a good thing!
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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.
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.
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.
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.
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.
hat 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.