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11 REASONS YOU WERE DECLINED FOR LIFE INSURANCE Diabetes. Similar to high cholesterol, high blood glucose/sugar levels are another reason you may be denied for life insurance. High levels are typically a precursor for Diabetes, which is a much bigger risk for carriers to insure. Again, some companies WHAT IS A SECOND TO DIE LIFE INSURANCE POLICY?USES OF A SECOND TO DIE LIFE INSURANCE POLICYONE OF THE BEST WAYS FOR AFFLUENT MARRIED COUPLES TO PROVIDE FINANCIAL PROTECTION FOR THEIR FAMILIES IS BY PURCHASING A “SECOND TO DIE LIFE INSURAN...SURVIVORSHIP LIFE INSURANCESURVIVORSHIP POLICIES ARE GREAT FOR COUPLES THAT HAVE A CONSIDERABLE AMOUNT OF ASSETS LIKE PROPERTY, BUT NOT AS MUCH LIQUID CASH IN THE BANK. SURVI...SECOND TO DIE LIFE INSURANCE ESTATE PLANNINGWE HAVE FOUND THAT MOST OF OUR CLIENT’S ASSETS GROW MORE RAPIDLY THAN THE FEDERAL ESTATE TAX EXEMPTION RATES. THIS CREATES A TAX LIABILITY WHEN PAS...BENEFITS OF SECOND TO DIE LIFE INSURANCEONE OF THE GREAT BENEFITS OF A SECOND TO DIE LIFE INSURANCE POLICY IS THAT THEY’RE MUCH EASIER TO GET APPROVED THAN TRADITIONAL LIFE INSURANCE POLI...BUSINESS PLANNING WITH SECOND TO DIE LIFE INSURANCEIF YOU’RE CURRENTLY IN BUSINESS WITH ANOTHER PERSON, YOU CAN PURCHASE A SECOND TO DIE LIFE INSURANCE POLICY ON YOUR PARTNER AND THEIR SPOUSE. LIKEW...CONS OF SECOND TO DIE LIFE INSURANCEALTHOUGH SECOND TO DIE LIFE INSURANCE POLICIES WORK GREAT IN MANY SITUATIONS, THEY’RE NOT FIT FOR EVERYONE. IF YOU’RE IN A FAMILY WHERE THERE’S A S...START THE LIFE INSURANCE SHOPPING PROCESS EARLYTAKE A LOOK AT THE DIFFERENCE IN RATES FOR A POLICY THAT LOCKS IN YOUR COVERAGE AND GUARANTEES YOUR RATES UNTIL THE AGE OF 100. THE RATES BELOW ILL...SHOP THE MARKET TO SAVE MONEYWHEN YOU’RE SHOPPING FOR LIFE INSURANCE IT’S IMPORTANT TO MAKE THE RIGHT DECISION TO PROTECT YOUR FAMILY. JRC INSURANCE GROUP WORKS WITH OVER 40 TO... Uses of a Second to Die Life Insurance Policy. One of the best ways for affluent married couples to provide financial protection for their families is by purchasing a “second to die life insurance policy”, otherwise known as a “survivorship policy” or “joint-life insurance policy.”. These policies differ from traditional life insurance policies because they insure two people THE COMPLETE LIST OF STATES WITH ESTATE TAXES (UPDATED FOR Etc. Below we’ve listed each state that charges estate taxes and the amount of the state’s exemption to help you determine if your heirs will be facing an estate tax liability in the year 2021. Connecticut – $7,100,000. District of Columbia – $4,000,000. Hawaii – $5,490,000. Illinois – $4,000,000. Oregon – $1,000,000. LONG-TERM CARE STATISTICS 2020 Key Long Term Care Statistics. Only about 7.5 million Americans have long-term care insurance as of January 2020. More than 52% of people turning 65 will need some long-term-care services in the future. Your long-term care costs for your lifetime could surpass $300,000. ESTATE PLANNING SOLUTIONS FOR REDUCING TAXES AND In particular, we may see changes to the estate tax. In 2021, the exemption is $11,700,000 per individual and $23,400,000 for a married couple. Those tax exemptions are currently set to be reduced to $5,700,000, or less, by 2025. However, with the Democrats in office, we could see a reduction as early as 2022. SHOPPING FOR IUL INSURANCE? BE SURE TO AVOID THESE 5 SCAMS! Scam #5: “Net Amount of Risk”. Typically on IUL policies, the death benefit is equivalent to the original insured amount minus the cash value accumulation. So for example, if you originally purchased a $750,000 policy, and had a cash value of $200,000, your beneficiaries would only receive $750,000, not $950,000. WHAT’S THE COST OF TERM LIFE INSURANCE? (2021 MONTHLY RATES) After the age of 40, term life insurance rates typically increase by an average of 10 to 15% each year. Below, we illustrated the average monthly cost of $250,000, 10-year term life insurance for an applicant in average or “standard” health. Male Female 30 35 40 45 50 55 60 65 70 $0 $100 $200 $300 $400 Age Monthly Cost. HOW MUCH DOES A $5 MILLION DOLLAR LIFE INSURANCE POLICY COST? There are hundreds of life insurance providers in the United States and most of these companies offer 12 to 16 rate classes. While each company set’s their own risk classes and rates, the cost of a $5,000,000 term life insurance policy is primarily determined by these three factors: 1. The applicant’s age. 2. BUYING LONG-TERM CARE INSURANCE IN YOUR 60S The American Association for Long-Term Care Insurance (AALTCI) suggests that your mid-50s are the ideal time to buy affordable long-term care insurance, giving the following example: “You are age 55. You want what we term a “standard” plan of coverage. That equals $172,600 in current benefits (based on a $150 daily benefit fora 3-year plan).
PROS AND CONS OF NO MEDICAL EXAM LIFE INSURANCE The Pros of No Medical Exam Life Insurance. The hustle and bustle of today’s society can be overwhelming – we are constantly connected to our phones, regularly checking emails, and when unexpected meetings pop up out of nowhere, it’s hard to set aside an hour or two to have a nurse draw your blood and check your vitals. HOW TO USE LIFE INSURANCE FOR PENSION MAXIMIZATION Enter life insurance for pension maximization. When the numbers run in your favor, you can accept your full pension, and then buy life insurance in place of the spousal benefit. For example, if your full pension pays $4,500 per month, taking the spousal benefit might drop your payout to $3,400 per month. Life insurance, on the other hand,can
11 REASONS YOU WERE DECLINED FOR LIFE INSURANCE Diabetes. Similar to high cholesterol, high blood glucose/sugar levels are another reason you may be denied for life insurance. High levels are typically a precursor for Diabetes, which is a much bigger risk for carriers to insure. Again, some companies THE COMPLETE LIST OF STATES WITH ESTATE TAXES (UPDATED FOR Etc. Below we’ve listed each state that charges estate taxes and the amount of the state’s exemption to help you determine if your heirs will be facing an estate tax liability in the year 2021. Connecticut – $7,100,000. District of Columbia – $4,000,000. Hawaii – $5,490,000. Illinois – $4,000,000. Oregon – $1,000,000. TERM LIFE INSURANCE QUOTES ONLINE JRC Insurance Group is an Independently-Owned Insurance Agency that is licensed nationwide. We represent more than 50 top-rated insurance companies and specialize with clients aged 45 to 75. If you have had difficulty finding affordable life insurance because of a serious health issue, tobacco use, diabetes, family history, your weight WHOLE LIFE INSURANCE RATES BY AGE (UPDATED FOR 2021) Average Cost of Whole Life Insurance. In this section, we’ve compared the monthly cost of a $50,000 whole life policy to a $50,000 guaranteed universal life policy. Both insurance policies offer level rates and fixed coverage until the age of 100 or later. The ratesdisplayed below are
WHAT’S THE COST OF TERM LIFE INSURANCE? (2021 MONTHLY RATES) After the age of 40, term life insurance rates typically increase by an average of 10 to 15% each year. Below, we illustrated the average monthly cost of $250,000, 10-year term life insurance for an applicant in average or “standard” health. Male Female 30 35 40 45 50 55 60 65 70 $0 $100 $200 $300 $400 Age Monthly Cost. PROS AND CONS OF NO MEDICAL EXAM LIFE INSURANCE The Pros of No Medical Exam Life Insurance. The hustle and bustle of today’s society can be overwhelming – we are constantly connected to our phones, regularly checking emails, and when unexpected meetings pop up out of nowhere, it’s hard to set aside an hour or two to have a nurse draw your blood and check your vitals. LIFE INSURANCE OVER 70: HOW TO FIND THE RIGHT COVERAGE Life Insurance to Reduce Estate Taxes. Life insurance is also purchased to protect estates for high-net-worth families.This can be accomplished with an individual policy or a “second to die” life insurance policy (meaning your heirs will receive a death benefitafter both you
LIFE INSURANCE FOR OBESE PEOPLE (THE 5 BEST COMPANIES FOR Banner Life is known for their superior rates for people who are overweight and obese. On top of that, they have a quick application process and they offer 35 and 40 year level term policies. Banner is also one of the best choices for type II diabetics THE COMPLETE LIST OF STATES WITH ESTATE TAXES (UPDATED FOR Etc. Below we’ve listed each state that charges estate taxes and the amount of the state’s exemption to help you determine if your heirs will be facing an estate tax liability in the year 2021. Connecticut – $7,100,000. District of Columbia – $4,000,000. Hawaii – $5,490,000. Illinois – $4,000,000. Oregon – $1,000,000. 9 REASONS TO BUY FINAL EXPENSE INSURANCE 1. It Funds Funeral Costs. Like we stated earlier, final expense insurance provides coverage for any bills or debt you leave behind once you pass – funeral expenses being the big one. Leaving some money for your loved ones to use for anything funeral-related would undoubtedly be a relief to them. 2. LIFE INSURANCE WITH A BUNDLE BRANCH BLOCK A bundle branch block occurs when there is an obstruction or delay in the pathway of the heart where the electrical impulses are responsible for making your heartbeat travel. A bundle branch block occurs in the bottom chambers of your heart within the left or right ventricles. Despite the name, no arteries are involved in a bundle branch block THE PROS AND CONS OF A CROSS-PURCHASE AGREEMENT What is a Cross-Purchase Agreement? Investopedia defines a cross-purchase agreement as follows: “A document that allows a company’s partners or other shareholders to purchase the interest or shares of a partner who is deceased, incapacitated or retiring.__ 855-247-9555
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Sabrina - a wonderful and selfless person - donated one of her kidneys to her aunt. Due to that, Principal Financial Group denied her application, leaving Sabrina very discouraged. After contacting us, Justin helped her apply with Protective Life for 150k of lifetime coverage. To be safe, Justin quoted Sabrina rates all the way from Preferred through Standard, unsure of what Principal would offer. To our surprise, Sabrina was approved at Preferred Best rates - the best rate class available! Sabrina was so grateful, she even had her husband call us to obtain a policy for him as well.*
Meet Howard, a 69-year-old man from Ohio who had been declined by Prudential. While working with Howard, Ramon reached out to more than a dozen companies that specialize with “high-risk” applicants, and thought that A+ rated John Hancock would be a perfect match. We originally quoted him at $755.62/month, but thought it’d be wise to attach a letter from his doctor after hearing about his recent health success. Not only did Howard get approved (which he didn’t think was possible), but he got an even better offer than we had hoped for:$661.92/month!
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Mingshun is a client of ours who was looking to spend $1895.36 per year on her life insurance. Unfortunately, she applied with Protective Life and got denied. Mingshun then decided to give us a call and reached Jason, one of our licensed agents. Jason worked diligently with Mingshun and one of our underwriting experts to get a tentative quote for $3,951.48/year from Prudential. Mingshun agreed to apply, and to our surprise, got approved at a rate of $1,744.20/year - over $2,000 less than she expected!*
Sabrina - a wonderful and selfless person - donated one of her kidneys to her aunt. Due to that, Principal Financial Group denied her application, leaving Sabrina very discouraged. After contacting us, Justin helped her apply with Protective Life for 150k of lifetime coverage. To be safe, Justin quoted Sabrina rates all the way from Preferred through Standard, unsure of what Principal would offer. To our surprise, Sabrina was approved at Preferred Best rates - the best rate class available! Sabrina was so grateful, she even had her husband call us to obtain a policy for him as well.*
Meet Howard, a 69-year-old man from Ohio who had been declined by Prudential. While working with Howard, Ramon reached out to more than a dozen companies that specialize with “high-risk” applicants, and thought that A+ rated John Hancock would be a perfect match. We originally quoted him at $755.62/month, but thought it’d be wise to attach a letter from his doctor after hearing about his recent health success. Not only did Howard get approved (which he didn’t think was possible), but he got an even better offer than we had hoped for:$661.92/month!
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HOW JRC INSURANCE GROUP HELPS YOU SAVE MONEY JRC Insurance Group is an Independently-Owned Insurance Agency that is licensed nationwide. We represent more than 50 top-rated insurancecompanies
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specialize with clients aged 45 to 75. If you have had difficulty finding affordable life insurancebecause
of a serious health issue, tobacco use, diabetes, family history, your weight, elevated cholesterol/blood pressure, or compounding health issues, we can help you save time and money. By having access to 5-10 times the insurance companies as our competition, we are able to help clients find unbeatable rates, even if they have been diagnosed with a pre-existing condition or are considered to be a high risk for life insurance.
Customer service is our top priority, and we pride ourselves in the fact we receive excellent testimonialsfrom our clients.
Most importantly, our shopping services are free, and there is no cost to apply for coverage. MOST POPULAR ARTICLES ON THE BLOG TERM LIFE OVER 50: THE GUIDE YOU’VE BEEN LOOKING FOR LIFE INSURANCE OVER 60 – AN INSIDER’S GUIDE TO COVERAGE LIFE INSURANCE OVER 70: HOW TO FIND THE RIGHT COVERAGEStart Here
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. By submitting your personal information, you are making a consumer inquiry for life insurance by licensed insurance agents. You consent and expect to be contacted by a licensed agent via phone, email, text, or direct mail. JRC Insurance Group will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Life insurance policies described, quoted, shown, and illustrated throughout this website are not available in all states and may include those issued by: American General Life; Banner Life Insurance Company, Urbana, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; United of Omaha Life Insurance Company, Omaha, NE, a Mutual of Omaha affiliate company; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; Protective Life and Annuity, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; VOYA Life Insurance Company, Minneapolis, MN, VOYA Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING family of companies; Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGONcompanies.
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