Spousal
Term
Life Insurance
Quotes!
Would you have to take on additional employment to make ends meet?
Would you have to replace her income? Would you have to hire a
nanny? Would you have to withdraw from saving or investment
accounts? Would you have to hire a tutor for your children?
Would you have to hire a housekeeper? Would you have to reduce
your discretionary spending?
Spousal insurance term life insurance
quotes
will be made accurate by
applying your underwriting health class to your
quote. Determine
this
"by
clicking"
in the form below on line reading Health Class
"Click here" for
Health Class Definitions. Keep in mind that only
3-5% of the population qualifies for the preferred best or super preferred rates
with any term life insurance company.
Quotes
are free from Term Life America.
You are being provided with quotes from
A M Best's
top rated term life insurance companies, and are always
assured
that you are receiving a choice of the lowest
premiums available anywhere!
After choosing your desired company and product, click on the request an application
button to the right of the product. Upon
submission of this completed form, an experienced
licensed agent will contact you to go over your
information and offer to
complete your application at that time right over the
phone.
Spousal term life insurance should only be considered
after an evaluation of the purpose of the
different types of
insurance are explored.
A
decision chart term vs.
permanent
can help in making this decision. Generally
speaking this type of policy should be considered for
those needs that are temporary.
The raising of children and a mortgage
liability
are examples.
Thus, permanent insurance
should be obtained for costs at death such as funeral
expenses, estate settlement costs- to include income
taxes for the year of death-, and federal and
state
estate taxes.
also see our
Estate Planning Brochure
Permanent insurance can also be obtained to create an
estate.
It can create money to leave to friends or relatives or
even charities when an insurable interest can be
established.
Going to
our
buyer's guide,
and using our
needs calculator
to determine your needs for your family or business are
additional tools to use in making this important buying
decision.
GENWORTH IS #1*
Women need life insurance,
especially if they’re Moms. For less than 43 cents per
day for $150,000 of coverage, a 30-year old woman who
doesn’t use nicotine may get 20 years of term life
insurance whose death benefit can help take care of her
family if something happens to her.
|
Female,
Age 30, $150,000, Monthly Premiums
(After the level premium period, premiums
increase annually) |
|
Premiums are guaranteed level
for: |
10 years |
15 years |
20 years |
30 years |
|
Preferred Best No Nicotine Use |
$7.66 |
$9.63 |
$11.07 |
$14.48 |
|
Preferred No Nicotine Use |
$9.10 |
$11.07 |
$13.04 |
$17.11 |
|
Select No Nicotine Use |
$10.68 |
$13.30 |
$14.88 |
$20.78 |
Genworth’s great rates help you sell
your clients the coverage they need.
*Genworth ranks #1 for females ages 20,
25 and 30, $150,000 face amount, 10, 15, 20 and 30 year
in Preferred Best No Nicotine Use, Preferred No Nicotine
Use and Select No Nicotine Use.
Competitive information is based
Genworth Financial companies’ research conducted
in 8/07.
Underwritten by
Genworth Life and Annuity
Insurance Company
Genworth Life Insurance Company
Lynchburg, VA
Rates are current as of 7/9/2007.
These term life insurance products have guaranteed level
premiums for 10, 15, 20 or 30 years; after that,
premiums increase annually. Issue age is insured’s age
at nearest birthday; rates for other underwriting
classes are higher; $50 annual policy fee is included.
If premiums are not paid annually, we adjust the
premiums by a modal factor consistent with an annual
percentage rate of 8.2% (semi-annual) or 10.8%
(quarterly or monthly electronic funds transfer). In
certain cases, more coverage may be available for the
same or lower premium. Representatives should confirm
that consumers are obtaining the most coverage for the
premium paid. Products, benefits and rates may not be
available in all states and are subject to issue
limitations and to their policy forms: Policy Form No.
1420 (96) et al. or 1421 et al. (Genworth Life and
Annuity Insurance Company underwrites Colony Series) or
Policy Form No. GE-1420 et al. (Genworth Life Insurance
Company underwrites Sure Term® Series).
Need Help?
Questions
will be addressed by
contacting
us or by calling our service and sales department at 888.587.8511 .
Quotes may
be offered in the following states!
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