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Life Insurance

 

Life Insurance for Everyone

Life insurance policies are made to protect people against the uncertainty and unexpected incidents of life. But not everyone gets to know or gets a plan for themselves or their loved ones. As per the Insurance Barometer Study released last year, just over than half of the U. S. population is covered with life insurance. Many of them recognize the necessity of having such a plan but they can’t decide on the best plan for them as well as their family. OptInsure not only provides the best life insurance quotes for its customers but also informs and guides them to understand it better. Have a look at different policies available:
Term life plan is the most simple and affordable one. It’s inexpensive and less complicated as there are no additional features such as investment accounts, cash value accounts, policy loans or long-term care benefits. The beneficiaries get paid for a death benefit of the insured amount if the insured passes away during the effective policy term. Some insurance providers have also started offering additional features and benefits in a basic term life plan.
  • ACCELERATED DEATH BENEFIT

    Accelerated death benefit provides insured the option to receive some amount of his term life insurance early, in case he falls terminally ill. This can help the insured or their family to pay for medical expenses, hospice and other services used to extend the life of the policyholder.

  • CONVERSION BENEFIT

    Conversion Benefit helps the insured with a rare option to convert his term life insurance into an approved permanent life insurance from the same provider. This helps the insured from making another application or going for another medical examination to prove insurability.

Read more...
ROP Term Life makes the policyholder able to get the insured amount if they outlive the period. Hence, if one has a 30-year plan and is still living after that period, the insurer will pay back the 100% amount of his premiums. In case, the insured person cancels the plan before it expires, they are still eligible to get a portion of the amount paid for premiums. Such types of plans cost little more expensive than the basic term life, but it guarantees the money back if no death benefit is paid. Read more...
Universal Life is a type of permanent life insurance plan that provides additional features such as cash value accumulation, varying policy premiums, policy loans and varying death benefits. The insured can also set to terminate the premiums at a certain age such as the planned retirement age or some other period. The investment portion of the plan may be varied as well as guaranteed and if the cash accumulation amount has grown enough, one can decide to cut down the cost of premiums as well. Read more...
Testimonials
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
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Testimonials
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
1Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
Copyright © , OptSoft, Inc. All Rights Reserved.