Term Life Insurance is important.

Term Life Insurance is important.

It makes sense to protect what you value. You insure your car, your home, and your valuables. What about you and your family? Term Life Insurance is important.

Without life insurance, you leave your family open to risk.

If you have a policy in place perhaps you should think about replacing or adding another.

You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business.

Fortunately, life insurance can be surprisingly easy and affordable.

It night be cliché but “life insurance isn’t for the people who die. It’s for the people who live.”

MassQuotes has the most competitive markets for life insurance including Legal & General (Banner Life & William Penn), AIG, John Hancock, Prudential along with many other companies.

It night be cliché but “life insurance isn’t for the people who die. It’s for the people who live.”

Don’t wait another day: Term Life Insurance is important.

Give MassQuotes a call or click to get the discussion started.

Why should I use an Independent Insurance Agent?

why should I use an independent insurance agent?

Why should I use an Independent Insurance Agent? Some people think it doesn’t really matter where they buy their Massachusetts insurance. This misconception is most likely costing them money, service, and protection.

Buying a Massachusetts insurance policy isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car and your business.

Don’t treat your purchase lightly!

There are three sources to go to for your Massachusetts insurance protection:

  1. Captive Agents, who sell insurance for only one company.
  2. Direct writers & telephone representatives, who can offer you the insurance of one company, and only on the internet & telephone.
  3. Independent MA Insurance Agents, who represent an average of eight insurance companies, and shop to find you the best combination coverage and price.

massquotes advantage: Massachusetts Independent Insurance Agents:

  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

Call or click us at MassQuotes to get your free term life insurance quote. We utilize the power of the independent insurance agent.

MassQuotes: more than just term life insurance

MassQuotes: more than just term life insurance

Some people think MassQuotes is just term life insurance. I’m here to tell you that Massquotes: more than just term life insurance.

MassQuotes offers a one-stop shop for a wide range of products and carriers to support the varied needs of our clients. We work closely with some of the industry’s highly-rated and most competitive carriers for: life, annuities, long term care, and disability insurance!

Some of the top companies we work with include:

Accordia Life
AIG
AXA
John Hancock
Legal & General America
Lincoln Financial
MetLife
Minnesota Life/Securian
Mutual of Omaha
Nationwide
Principal
Protective
Prudential
Symetra
Transamerica
Voya

MASSQUOTES SOLUTION CENTERS –

Life – MassQuotes works closely with our clients and carriers to promote an understanding of our client’s needs. We put together an asset protection plan that fits your family’s strategy.

Annuities – MassQuotes offers to a competitive portfolio of annuity products from top carriers, and assistance in case design and comparing product options to meet your needs.

Long Term Care – MassQuotes dedicated long term team is available to help you through every step of the complicated Long Term Care shopping process.

Disability – MassQuotes supports you in the understanding of disability insurance (DI). We offer the benefits of working with top distributors, including access to a broad array of competitive products from top DI carriers.

So, if someone tells you MassQuotes only sells term life insurance, you can tell them they’re wrong. MassQuotes: more than just term life insurance.

What is Term Life Insurance?

what is term life insurance?

What is term life insurance?

Term life insurance is life insurance that provides coverage at a fixed cost for a certain period of time. After the term expires coverage is no longer in effect.

If the insured dies during the term of the policy, the face value (benefit) will be paid to the beneficiary.

Term insurance is the least expensive way to purchase a large amount of coverage for a specified “term” (typically 10, 20 or 30 year policies).

Term life insurance is the most “pure” type of life insurance policy. Different than whole life, universal life, or variable universal life.

Term insurance is not generally used for estate planning needs or charitable giving strategies but is used for pure income replacement needs for an individual.

Term insurance is used for such things as: family protection, consumer debt, dependent care, education for dependents, funeral costs, and mortgages.

MassQuotes recommends term because it’s much less expensive than other types of life insurance.

Massachusetts term life insurance

Massachusetts term life insurance

Do you have a Massachusetts term life insurance policy already in effect?

If so, you may want to re-apply.

Term life insurance rates are extremely low right now.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

It makes sense to protect what you value.

You insure your car, your home, and your valuables. What about you & your family?

Without life insurance, you leave your family open to risk.

If you have a policy in place perhaps you should think about replacing or adding another.

You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business.

Fortunately, life insurance can be surprisingly easy and affordable.

It may sound cliché but “life insurance isn’t for the people who die. It’s for the people who live.”

Through our network of Independent, Massachusetts Insurance Agents, Massquotes.com offers the most competitive rates from companies such as SBLI and Banner Life along with many other companies.

Please give us a call or submit a quote request if you would like to get rates or discuss.

Term Life Factors

Term Life Factors

Term Life Factors

Age – Let’s face it. It’s not easy getting old. The younger you are, the longer you’re going to live AND the less expensive life insurance is.
Health History – Do you have a history of disease or chronic illness?
Current Health – Are you in good current health? Are you taking medications?
Physical Condition – Are you heavy or lean? Do you excercise?
Smoker – Smokers can still get life insurance policies but the cost is significantly higher.
Drinking –Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions). Drink a glass of water one hour prior to the exam.
(For Additional Life Insurance Exam Tips checkout http://massquotes.com/2017/02/06/tips-get-best-life-insurance-examination-results/
Occupation – Are you a professional stuntman?Are you a race car driver?
Hobbies – Do you skydive or bungee jump? Are you a member of Fight-Club?
Family History – Are your parents and sibling still alive? Is there a history of family illness or disease?
Gender – Life isn’t always fair. Women live longer than men AND pay less for life insurance.
So, there we have it folks, our Term Life Factors.
It’s good to be young, healthy, work in an office, and play board games with your great grandparents!

Buying life insurance online

Buying life insurance online

Buying life insurance online has never been easier or more competitively priced.

The process for finding, applying and buying term life insurance online starts here at MassQuotes.

  1. Shop Rates & Request Application. Start by visiting our life insurance calculator  to figure out the amount of coverage you need. Then get rates from us from multiple, leading life insurance carriers. Once you find a policy that is right for you, request an application, complete telephone interview.
  2. Application. Complete your telephone life insurance application.
  3. Medical Exam. Complete a brief medical exam to confirm your health. The exam is done with an examiner who is paid for by the insurance company or licensed insurance professional and can be completed at your home, office, or the examiner’s office during a time that’s convenient for you.
  4. Review. Wait for your insurance company to review your application and medical information to confirm qualification and rate. This review typically takes 2-8 weeks, depending on your insurance company.
  5. Approval. Once the insurance company has approved your application, your policy will be delivered to you, along with any additional requirements needed, in order to activate your coverage.
  6. Free-Look Period. Most policies offer a Free-Look period.

MassQuotes makes buying life insurance online easy. Compare term life insurance rates at no cost from top-rated companies in seconds.

At MassQuotes you will figure out the amount of coverage that’s right for you, at a price you can afford.

In conclusion, buying life insurance online at MassQuotes is easy.

Simple. Term Life Insurance.

Life Insurance Calculator

Free Life Insurance Calculator

FREE LIFE INSURANCE CALCULATOR.

A life insurance calculator is important to help you figure out how much life insurance you really need. When purchasing life insurance, a life insurance calculator is important. The question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on these two variables:

  • Expenses. How much will be needed at death to meet immediate obligations? This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance, and college costs to name a few.
  • Income. How much future income is needed to sustain the household? This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.

massquotes Free Life Insurance Calculator will compute:

Step 1- Expenses. Estimate your family’s expenses that could be funded or paid off by life insurance in the case of our death. Items should include: Funeral & Estate Costs, Outstanding Mortgage, Outstanding debts (other than mortgage), How many children require college funding?

Step 2- Income. Estimate your family’s recurring income needs if you died today, including: Monthly Income Need, How many years should income be provided?

Step 3- Savings. Estimate your family’s sources of income, including: Your current amount of life insurance, family’s current saving & investments, your current retirement savings, monthly after-tax income from spouse, years spouse’s income will continue?

Step 4- Settings. Review and adjust the typical settings before our life insurance calculator gets to work. Items include: Inflation rate, College inflation, Assumed rate of return on savings, 4 year public college expense, 4 year private college expense.

Step 5- Results. Within seconds our life insurance calculator will suggest an appropriate amount of life insurance you require. Should you die, the financial impact on your dependents is the loss of your income as well as the immediate expenses associated with your death. The death benefit offered through life insurance serves as replacement income for a period of time to help your family build a more financially secure future.

Try MassQuotes free, powerful online life insurance calculator tool.

https://www.insurenowdirect.com/massquotes/Calculator.aspx

There’s no obligation: only information!

 

Life Insurance Exam Tips

Life Insurance Examination Tips

Following these life insurance exam tips can help you obtain the best, most accurate exam results. Getting a preferred rating category (vs. standard) will save you a ton of money over the term of the life insurance policy.

Life Insurance Exam Tips:
• Fast for 4-8 hours prior to the exam and try to schedule the
exam for first thing in the morning, prior to eating
• Limit salt and high-cholesterol foods 24 hours prior to the exam
• Limit caffeine and nicotine 24 hours prior to the exam (can
increase blood pressure, cholesterol)
• Drink a glass of water one hour prior to the exam
• Get a good night of sleep prior to the exam
• Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions)
• Smokers should not smoke 30 minutes prior to exam (tends to
constrict artery walls and elevate blood pressure)
• Avoid the use of nasal decongestants if possible for 24 hours
prior to the exam (can increase blood pressure readings)
Helpful reminders:
• Be prepared with a photo ID at the time of the exam
• Provide names and dosages of current medications
• Provide any history of problems associated with providing a
blood sample
• Women should mention to the examiner if menstruating at the
time of exam (can cause blood in the urine specimen)
• Have available names, addresses and phone numbers of any
doctors or clinics visited in the last five years
• Tell the examiner if exercise is a regular activity
• Tell the examiner if vitamins or aspirin are taken on a daily basis
If you have experienced one of the following health conditions, follow these additional guidelines:
Hypertension
• Avoid stimulants (caffeine, alcohol, cigarettes)
• Schedule a morning exam
• Have the examiner take blood pressure after you have had a chance to relax —
three attempts at 10 minute intervals
• Take usual medications
Diabetes
• Schedule the exam for 2½ hours after a meal (no sweets or sugars after the
meal), but if blood is being drawn, fast for 8 hours prior to the exam
• Empty bladder right after meal
• Drink 1-2 glasses of water before the exam
Urinary Specimen Problems (albumin, red blood cells, sugar, etc.)
• Empty bladder right after meal
• Drink 2-3 glasses of water before the exam
• Avoid sweets or foods with sugar content before the exam
• Avoid strenuous exercise, such as running, for 24 hours prior to the exam
Coronary, EKG Problems
• Avoid stimulants (caffeine, alcohol, cigarettes)

If you follow these life insurance exam tips, you will be giving yourself the chance to secure the most preferred insurance rate available.

Sample Life Insurance Rates

Sample Life Insurance Rates

Joe Sample asks: “How about some sample life insurance rates?”

Joe lives in Massachusetts and was born February 2, 1991. He’s 26 years old. He’s in decent physical shape, doesn’t smoke and his family has a good medical history.

In Joe’s case, we are able to show him a preferred, 20 year term, $1,000,000 face value policy for only: $37.84 per month.

 

First Name: Last Name: Date of Birth: Gender: Height: Weight: Nicotine Use: Family History – Cancer: Family History – Cardiovascular Disease: State:
Joe Blow 02/02/1991 Male 5′ 9″ 156 None No No MA
Sample Life Insurance Rates:
Coverage Amount:
Coverage Length: