Insurance quotes for Seniors, Life insurance over 65, issue ages 40 to 85

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* All initial Quotes provided will be based on best rate class available. Your actual rate may vary depending on your health.

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Underwriting Requirements:

	5 minute application - the application questions will pre-qualify you for which plan, (preferred, standard, graded, modified, none) you are eligible to receive based
	on your health history.
	No Medical Exam up to age 85 for level benefit plan. Modified and Graded benefit plans available to age 80.
	a simple follow-up Home Office telephone interview is required to verify your answers to your application questions.

Level Premiums for life:

Whole life insurance (sometimes called straight life or permanent life) - provides protection for your entire life at guaranteed level premiums (to qualified eligible applicants) based on demographics and health history.

Coverage that last your whole life:

It is important that you insure your insurability. Many people think about life insurance when it is too late and they already have been diagnosed with a medical condition that makes them uninsurable. So, it is important to lock in permanent life insurance that will be there for your entire life. Term is cheap but it is designed to last only a specific time in your life.

Whole life builds cash values:

A portion of the money you pay into your whole life policy accumulates as guaranteed cash values. If you choose to surrender the policy, these guaranteed cash values would be available to you. Or, as long as the policy is in force, you may borrow against them as a policy loan at the current policy loan interest rate.

The amount of your guaranteed cash value depends on the kind of whole life policy you have, its size and how long you have had it. The growth in cash values is tax deferred under current federal income tax law. Term insurance does not provide cash values.

Older Individuals are able to get coverage:

The Whole Life plan is available all the way up to 85 years of age. This plan has great flexibility to meet age and health history requirements. Also, when applying for coverage you will not have to take a medical exam or have any blood work examined. This Whole Life plan was designed to be a simple, fast, and affordable way to secure life insurance.