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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 himself or his family. As per the Insurance Barometer Study released last year, just over than half of 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 loved ones. 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

Term life 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 payment of the insured amount if the insured person dies during the effective policy term. Some insurance providers have also started providing additional features and benefits in a basic term life plan.

  • ACCELERATED DEATH BENEFIT
    Accelerated death benefit provides the insured person a facility to receive some amount of his term life insurance early, in case he falls terminally ill. This can help the insured person or his family to pay for medical expenses, hospice and other services used to extend the life of the insured person.

  • CONVERSION BENEFIT
    Conversion Benefit provides a rare option to the insured person to convert his term life insurance into an approved permanent life insurance from the same company. This helps the insured person from making another application or going for another paramedical exam to prove insurability.

Return of Premium (ROP) Term Life

ROP Term Life makes the insured person able to get the insured amount money if he outlives the term period. Hence, if one has a 30-year plan and he is still living after that period, the insurer will pay back the 100% amount of his premiums. In the insured person cancels the plan before it expires, he is still eligible to get a portion of the amount paid for premiums. Such types of plans cost a bit more than the basic term life, but it guarantees the money back if no death benefit is paid.

Whole Life

Whole life policies come with varying features and benefits but cover the insured for life as long as premiums are paid. These policies are straight forward and simple to understand, with most whole life plans you pay the same premium for life. These plans can also provide an accumulated cash value. With most whole life plans the insured can borrow from the cash value.

Universal Life

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 benefit. The insured person can also set to terminate the premiums at a certain age such the planned retirement age or some other period. The investment portion of the plan may be varied or guaranteed and if the cash accumulation amount has grown enough, one can decide to cut down the cost of premiums as well.
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 © 2017, OptSoft, Inc. All Rights Reserved.
"Monitored by Top Rank Advisors, LLC- License #: L100250"
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 © 2017, OptSoft, Inc. All Rights Reserved.
"Monitored by Top Rank Advisors, LLC- License #: L100250"