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What is life insurance?
Life insurance is a contract in which you make regular payments — also known as premiums — to an insurance company like Life Health Guardian. In return, the insurance company pays a lump sum of money to your beneficiaries if you die while your policy is active.
A life insurance policy can last for a predetermined period of time (as it does with term life insurance) or until you die (as whole life insurance policies do).
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What type of life insurance policy do you need?
Term life insurance provides coverage for a specific duration, typically between 10 to 30 years, making it a popular choice. It offers affordability and essential financial protection during significant life milestones, such as raising young children or paying off a mortgage. What makes term life insurance even more appealing is its simplicity, as it avoids complex tax implications and restrictions.
For instance, a healthy 35-year-old can obtain a 20-year term policy with a $500,000 coverage for an average monthly cost of around $28. This affordable premium ensures substantial coverage, securing your family’s financial well-being throughout the specified term. Choose term life insurance for peace of mind and affordable protection.
Whole life insurance
Whole life insurance, a form of permanent life insurance, provides coverage for your entire life. While it is more costly than term life insurance, it offers distinct advantages. Alongside the lump-sum payout, whole life insurance includes a cash value component.
This cash value grows at a conservative interest rate determined by the insurer and is funded partially through your premiums. High-net-worth individuals can leverage this cash value as an additional investment opportunity or as a safeguard against estate tax. Whole life insurance offers long-term security and financial flexibility for those seeking comprehensive coverage.
Universal life insurance
Universal life insurance is a versatile form of permanent coverage, providing the flexibility to adjust premium payments. You can increase or decrease the amount you pay, with any reduction withdrawn from the policy’s cash value.
This type of policy is ideal for high earners who aim to accumulate savings while avoiding higher income tax brackets. Universal life insurance offers an opportunity to build a financial cushion while ensuring long-term protection.
No-medical-exam life insurance
No-medical-exam life insurance eliminates the need for a medical exam during the approval process. Instead, you would complete a health interview online or over the phone. Typically, these policies are term-based and cater to individuals without significant health concerns or with minor health conditions.
They offer a quicker application process, allowing for faster coverage for those who qualify. No-medical-exam life insurance provides a convenient option for obtaining coverage without the traditional medical examination requirement.
“ Process was fast ... [Life Health Guardian] made what can be an overwhelming task easy and stress free.”
— Nickolas
How much does life insurance cost?
The average cost of term life insurance for a healthy 35-year-old individual is approximately $28 per month. This estimate is based on purchasing a policy with a 20-year term and a death benefit coverage amount of $500,000.
However, it’s important to note that life insurance rates vary depending on various factors such as age, gender, health conditions, and lifestyle choices. These factors are taken into consideration when determining personalized life insurance premiums.
What factors affect life insurance quotes?
Age
Premiums decrease as you age. Life insurance rates rise by 4.5% to 9% annually due to increased risk with age. Secure coverage early for lower premiums and long-term financial security.
Gender
Women pay 24% less for life insurance on average. With longer life expectancies, they present lower near-term risk to insurance companies, resulting in reduced premiums.
Health
Severe health conditions can result in high rates or coverage denial, while mild conditions may only slightly affect premium costs. The impact on premiums depends on the severity of the health condition.
Lifestyle
Risky hobbies like skydiving or deep-sea scuba diving can raise life insurance premiums due to the associated hazards.
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Life Health Guardian provided an exceptional experience. They handled the majority of the work, making the process incredibly simple. Their timely reminders were invaluable. I wholeheartedly recommend their services.
Sahil, July 14th
Simplified Process with Life Health Guardian!
Life Health Guardian ensured a seamless journey with their user-friendly approach. Their attentive representatives guided me through the process, matching my needs and goals. The application was quick and hassle-free. Highly recommended!
Reperty, January 3rd
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Experience a hassle-free and straightforward journey. Our attentive support addresses all your questions, ensuring you feel acknowledged and valued. Don't hesitate - choose our service and enjoy peace of mind.
Simon, August 13th
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Our team swiftly evaluated my requirements, displaying in-depth product knowledge and providing a tailored recommendation. The application was seamless, with continuous support at every step. A truly exceptional experience!
David, June 13th