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Today’s Topic Is About Detailing The Best Life Insurance Options Are For Disabled Seniors
Most likely you’re here because you or a loved one are disabled, whether it’s a physical ailment or otherwise. Or you’re looking to see what your options are at potentially purchasing a life insurance program.
NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation on qualifying for life insurance for disabled seniors. Enjoy!
Here’s An Overview Of Today’s Topic:
- What Disabled Senior Really Means In Case There’S Any Kind Of Confusion
- Why A Disabled Senior Needs Life Insurance
- ‘Does Receiving Disability Affect The Ability To Qualify For Life Insurance?’. In Case There’s Any Concerns About It Or If You’Re Disabled And You Receive Social Security Disability Or You Can’t Work Anymore And You Received Disability From An Insurance Plan. We’ll Talk About That More In Length
- The Different Types Of Options That Are Available For Life Insurance For Disabled Seniors, Term Life Insurance, Whole Life Insurance, Guaranteed Issue Life Insurance
- Prons, Cons & What Life Insurance Type Is Best For A Disabled Senior
- How To Pick The Best Life Insurance Option For Your Needs
- How To Apply In The Next Steps
- Burial Insurance Rates, Age 40 to 90*
Definition of disabled senior
Let’s talk about and define what a disabled senior is in case there’s any kind of confusion.
What I would define as a disabled senior is based on personal experience in selling life insurance and helping people with life insurance has been dealing with people over 50 years.
Many of these people have been disabled. They have lost their jobs because of something that happened at work, perhaps some illness that has prevented them from returning to work and they’ve been eligible and have been approved for social security disability.
I’ve also dealt with adults that are just physically disabled and had been their entire lives.
Let me define to you what I would consider disabled senior and I think you’ll more or less agreed that this is accurate.
The simple approach is somebody who is disabled and cannot work – maybe they worked in a manufacturing line their whole lives and they develop severe arthritis or arthritis in their back and the physical act of that work – their profession that they’re skilled at – cannot be completed without severe pain.
Perhaps they’ve come down with a heart attack or take insulin to treat their diabetes .
The government will not allow you to work that way anymore. That’s somebody who is disabled and cannot work. Also, I would define as someone who’s drawing disability.
For example, a disabled person who has appealed multiple times to receive their disability after an incident happened, and finally got it and now receives social security disability payment, which may or may not be in combination with a long-term disability plan.
This depends on the circumstances but either way at somebody who gets their income, usually from social security disability. It may or may not be a learning disability either.
A lot of the disabled seniors I deal with are people who weren’t disabled and fell onto bad times in health factors outside of their control and now cannot work. That’s the vast majority of the people I see.
Another thing that’s related to all of these particular circumstances is disabled seniors are severely budget restricted. Anybody who’s on disability will tell you that they’re not making a lot of money. It is meager, especially in comparison to what they used to make.
A senior who’s receiving disability, receives enough just to barely get by. A lot of people who are concerned and looking for life insurance are concerned about the price in are budget restricted.
There’s been a serious past health issue that has been related to this disability. One of my clients was a high powered executive; she came down with severe rheumatoid arthritis in combination with severe bipolar and it made her completely incapable of working. She’s drawing disability for around 15-20 years. There are people who are in such circumstances where they cannot work and have a serious past health issue.
This is my definition. This isn’t some sort of formal definition by an insurance company. I just want to convey to you that I understand what it’s like to work with somebody who is disabled and what their circumstances are.
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Why disabled seniors should get life insurance?
There is no difference between myself or you. You need to have life insurance right now. There’s no better time to buy life insurance than in the present moment. I’m going to try and make my case to you so I can appeal to your better half as well as to your mind and heart.
Let me explain.
I am 33 and only getting older. You may be much older and getting older. Nobody gets out of this life alive after all. With life insurance, the rates continue to increase as you age up and your health will continue to decline. Everybody’s does. Nobody gets out who’s in the same shape as their thirties as they are in their seventies.
With declining health comes declining options for life insurance. If you have heart attack and six months later you tried to apply for quality life insurance, you will be declined. Even if you get something like a progression in your diabetes – your medications have changed from pills to insulin – your ability to be insurable can be affected.
These are the things that we know – older age, declining health, and increase in prices. It may not be convenient to pay right now, but imagine what happens in 5 to 10 years. It’ll be even more inconvenient to pay. To top it all, a lot of people buy a life insurance plan to pay for funerals and cremation expenses. These prices continue to rise as well. We had a 25 percent increase over a 10 year period of time and funeral and cremation prices. What was $6,500 in the year 2,004 for burial is now about $8,700 for the same service and same items.
This will continue to rise every 10 years in similar fashion. You’ve got to be prepared financially for these costs because they’re not getting less expensive.
Increasing number of people are having less and less disposable income. That’s just a fact of the matter. There was a divide between those who have and those who have not. That divide grows with each passing year. You should lock in a price for the budget you can afford while you have something you can allot.
That’s why the sooner you lock in a final expense life insurance program to better. That is what sets you up. That’s what gives you the peace of mind. It locks in a lower price, especially if you get the right one – some of them aren’t right since their price increases, others are locked in place so you never have to worry about price rise.
How does disability affect life insurance qualification?
You may be wondering if you or your loved one is disabled. How does that actual disability affect your ability qualify for life insurance?
Since disability covers a lot of different health problems, it’s impossible for me to tell you whether your disability is going to allow you to qualify or not. It really comes down to speaking to an agent like myself. What I can say is disabled seniors can qualify for life insurance – I can tell you that much.
The kind of life insurance and their pros and the cons is going to depend on your unique health conditions. I know people who have bad health history with a coverage put into force. When I say bad health history, I’m talking about a history of heart problems, cancer, lung disease like COPD, diabetes, high blood pressure, neurological problems like Lupus or multiple sclerosis, mental health problems like depression or bipolar and many other issues.
Normally the person would consider themselves in bad health and would be a disallowed of having coverage actually get covered fairly simply. Don’t count yourself out. That’s why it’s important to talk to me and figure out what your options are. Also, if you’re recently disabled and just started receiving your disability usually the recipients – when you get your check every month – that’s not an event that will fair negatively against you.
Most life insurance companies aren’t going to look when disability started but what what caused your disability; how long ago did it happen; what was the severity; what were the circumstances afterwards? That’s what they’re more concerned with.
Starting disability is really the best time to start a life insurance program because you can lock in your rates a right when you have the money to do so. You can do this even on a tight budget because, generally, all people who receive disability are on a tight budget.
Life insurance options for seniors
Let’s talk about the different life insurance options for seniors because the truth is all life insurance plans are not similar. A life insurance is an all encompassing term and there are different types of life insurance depending on the circumstances.
Firstly, the key is to help identify what your goal is to own a life insurance. You need to get a better idea of what matters the most for you. Secondly, you should be better able to identify the kind of plan that matches that goals the best.
There are typically three different types of life insurance options available for disabled seniors.
- Term Life Insurance (pros/cons/rates)
- Whole Life Insurance (pros/cons/rates)
- Guaranteed Issue (pros/cons/rates)
Term insurance is short for terminating life insurance. When you take out a term life insurance plan, it will potentially – well it will for sure if you outlive it – cancel at a future date.
The most common version of term life insurance is what you see in the mail – most likely from Globe Life or AARP New York Life. Those plans are designed to cancel at age 80 and have five year price increments where prices go up as you get older.
If you outlive that, even with the price increases, you have a chance of losing it. The term insurance runs out at age 80. Why would somebody buy term insurance?
- First of all, the biggest reason is affordability. Term insurance usually gives you more coverage for less of a premium dollar, put into the plan.
- Term insurance is more appropriate in circumstances where people have debts mortgages and they need a larger amount of coverage in order to cover those debts
- The downside of this is you can outlive it.
- The problem with a lot of the junk mail and TV advertisement by term companies is that they have the worst terms inside the plan. They’d go up in price, they cancel it. These are things that aren’t necessary.
What I want to show you are some possibilities for coverage that you might be able to get. A lot of the times you can get coverage where you don’t have price increases. You lock in a price for the foreseeable future. It’s a 10 year, 15 or 20 year term depending on your age, when you buy it, and what your budget is. You’ll pay a lot less for coverage.
I’m going to quickly compare what AARP New York Life Term Insurance runs versus what you could get with a broker like me. I’ll show you the big difference in pricing and I’m just going to show you rates for a 65 year old male and a 65 year old female just so you can see the difference and get the concept across.
I can’t tell you whether or not you’d be approved for either company. This is just for the sake of your education, but this will just give you some perspective on the contrast between what this offer is versus what I could do in the advantages of it.
You can see the AARP Level Benefit Term Life Insurance. This is the product that I was talking about.
If we look at the features and benefits, you can see it says affordable rates that increase over time. What that means is there are these five year rate incremental price increases. The description says:
This insurance coverage can never be cancelled without your consent – regardless of your health. As long as you pay premiums when they’re due and your Enrollment Form contains no misrepresentations about your medical history, your covered to age 80.
That just means you lose coverage after age 80. Hopefully that makes sense. Here are some prices I drew up here.
We’re comparing men and women at age 65. If a man wants $50,000 a term life insurance at age 65, he’s going to pay $144 a month to begin. This will go up again at 70 and then again at 75.
We’ve got a $50,000 plan for 15 year term, which means that these prices – assuming you could qualify – remain level until age eighty. That means there’s no price increases for 15 years.
If you take a look at Sagicor, you’re looking at a potential price point of $80.82. Now compare to a price by AARP New York life that is charging a $144. You may be even a little bit higher priced than them.
Sometimes we offer what’s called rated plans. It just depends on your health. I don’t even know if you could qualify for this, but for the sake of example, let’s say it was another $50 higher. You’re still saving money when compared to AARP and your premiums locked in place.
That’s what’s really important about this description is that with level term insurance, if you’re insistent on having level term insurance, you want to lock in your premiums for the length of the term. If you know it’s going to cancel at 80 and you’re willing to take that on, at least lock in the prices. Even if it’s the same price even slightly more to start with, it’s still the long-term better deal.
Let’s take a look at females at age 65 – $121 for a $50,000 term life insurance. Same deal with AARP price increases every five years, cancels at age 80.
If we compare that with a female rate for a $50,000 for a standard price, 15 year fixed prices and coverage for 15 years, you can see $60 – $70 roughly .
It could be less, could be more for the same exact thing. There’s a big difference in price – instead of $121 you pay $60-$70 – and you get that price locked in for that length of time.
Hopefully I made my case here as the what is term insurance and it’s pros and the cons. I’m a big believer of the idea that with term insurance, the most appropriate use is to cover large substantial debts and the potential of dying before they paid off; the most common would be a mortgage.
You could also use term insurance for income replacement. If for example, you died and you have the higher pension and the loss of that pension would affect your spouse’s livelihood, then maybe owning a term insurance plan to protect against that will be a smart idea.
Make sure that you get a term insurance plan, in my opinion, that doesn’t have these incremental increases when you least need them. In my opinion that’s the most problematic kind.
Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage
If you would like to find out what type of insurance might be best for particular circumstance, please give us a call at (888) 626-0439. We are here to help.Alternatively you can send us a message using the box found on the left-hand side of the page and we will reach out to you with more information.
Whole Life Insurance
Next on the list here is whole life insurance. It’s a little bit different from term life.
A whole life insurance is designed to have more warranties and guarantees on price and coverage.
It’s designed as permanent protection.
The concept behind whole life is to solve permanent financial problems. One of the topics we discussed earlier that will always be a permanent problem every human being faces is the cost of dying. We all know we’re going to be buried or cremated. It’s not just a question as to when it happens.
People buy whole life insurance because they don’t have to take a guess if they’ll die before or after 80, like the examples we use with the term insurance. Whole life insurance lasts your entire whole life. Continue to pay the premiums and in exchange you have full coverage.
If you qualify for it from the first day and your rates do not increase either and, you cannot outlive it because the company cannot cancel you contractually. They’re obligated to ensure you as long as you pay your premiums.
- The biggest pros here is peace of mind. You know that all you have to do is take out the plan, pay the premiums, and it’s very likely that you’ll have coverage continuing as long as you pay the premiums.
- It’s guaranteed. It’s not very likely. It’s guaranteed. People don’t like to fool around with life insurance. While a lot of coverage can sound really good, it’s not worth a dime if you outlive it, like with term insurance. People are attracted to whole life because of those reasons.
- Other benefits of whole life insurance is that it’s much more flexible in getting coverage in place.
- What we use usually for disabled seniors are simplified issue whole life products. What that allows us to do is to better accommodate underwriting problems. That may be a problem with term insurance.
All this depends on your health, but we can get all sorts of people approved for whole life that would be declined with term life insurance. For example, diabetes, cancer, heart history, lung disease, and other more severe problems.
These have the potential of being qualified. If you’re worried that you won’t be approved, don’t be. There are definitely options available through simplified issue, whole life insurance for disabled seniors.
- The drawbacks of whole life insurance is like buying a car with the extended warranty. It’s like upgrading to all the best aspects of a vehicle and putting the best insurance on it.
- If you want the best guarantees, you got to pay a higher price. For every dollar you buy of whole life insurance is not going to give you as much coverage as term. In exchange, you know you’re going to get it.
Imagine having 100,000 dollars in term insurance at age 81 and it lasted for 15 years. Then you died while it’s no good, then it’s not worth anything. But with whole life if you got $20,000 in the same amount, that’s worth $20,000 more than term plan.
These are things you’ve got to consider. The con certainly is you’re not going to get nearly as much, but that makes sense if you consider the fact you get these guarantees and you get these warranties saying the price never goes up to coverage, can’t be canceled as long as you pay an exchange, you can keep it.
Let’s look at some rates real quick. I’m just going to show you a $10,000 rate for someone who would be approved for the first day full coverage product for 65 year old male and female non-smoker at $10,000, 65 year old non-smoker, male rate for coverage.
We show you a litany of companies because it better describes reality. We look at these companies to try to shop around for you to see which one is best. I cannot tell over a video or in a blog which company you’re going to select, but it ultimately comes down to unique health profile.
The main point to convey is, if we check out the monthly rates, forties to fifties is what you’re going to pay depending on what you can qualify for.
Now, if we look at females – $10,000, non-smoker, 65 years old – you’re looking at $30 – $40. A lot of companies are all priced about the same; which one you pick ultimately comes down to your health.
$150,000 Whole Life Insurance, Life Pay
$250,000 Whole Life Insurance, Life Pay
Guaranteed Issue Whole Life Insurance
Our last option here is guaranteed issue whole life insurance. This is what I call the last ditch effort to get life insurance coverage with guaranteed issue whole life. The concept here is simple. If you cannot qualify for any other plan, term insurance, whole life insurance, guaranteed issue is the last resort.
It will approve you on a guaranteed issue basis, which means there is no health questions involved as long as you have a pulse, as long as you can fill out your application. Many times you can get a power of attorney if you have one, you are going to be approved and have coverage issued.
Obviously we know everybody can get approved and nobody can get the client. It doesn’t matter how bad your health is, you will get the coverage.
The downside is that coverage doesn’t start immediately. In fact, you have to pay in two years before your coverage is in full effect.
For example, if you die 12 months in with these plans, the money that you paid is returned to your beneficiary so you don’t lose the money plus an additional percentage on interest – usually 10 percent is what most companies offer. But the full amount of coverage, let’s say it’s $10,000, is not paid out.
I don’t like selling these plans, to be completely frank. But the truth is sometimes it’s the only option. I have many clients I’ve written policies for with these types of plans. They are so thankful to me to do that because they get past the two years and now they have full coverage and they don’t have to worry about whether their insurance ia any good when it’s going to be used.
A lot of people do live beyond the two year period of time. There was no way to work around it in these circumstances where I suggest it, but it is an option that you have to seriously consider.
What we’re going to look at is rates of the companies that I offer. We’re going to look at a 65 year old male and female non-smoker for $10,000 in guaranteed issue coverage.
Here is the AIG as the primary one we use. It’s $54.51 a month. If we want to use Gerber, they’re a little bit more expensive at $62.61. I usually just pick AIG because it is the lower of the companies and it’s a good company.
Let’s take a look at males, non-smoker, $10,000 in coverage, 65 years old. These rates may be a little out of date. With AIG and Gerber, you’re looking at $70-$80 for guaranteed issue coverage. Part of this process of showing you what your options are is to help you determine what life insurance type is best for a disabled senior.
$50 a Month – Guaranteed Universal Life Insurance
$100 a Month – Guaranteed Universal Life Insurance
$150 a Month – Guaranteed Universal Life Insurance
The 5 Top Reasons Why People Buy Guaranteed Issue Life Insurance
- Bad health – For those who have been declined in the past, a guaranteed issue life insurance policy may be the only way to get coverage in place. The good thing about guaranteed issue is that no health questions are asked, which opens the door for those who have been declined in the past due to health conditions.
- Final expense coverage – The biggest reason people purchase a guaranteed issue life insurance program is because they want to make sure their burial and final expenses are covered.
Most people are not looking for extremely large life insurance plans. They simply want enough to cover their burial or cremation so that their family doesn’t have to pay out of pocket for their final expenses.
- No questions asked – For those who suffer from chronic health conditions that are hard to insure, the “no questions asked” factor is very appealing.
Simply put, if you can sign your own name to the life insurance application then you are approved for coverage and under some circumstance, some companies even allow a power of attorney to sign.
- Can’t cancel due to age or health – Most guaranteed issue life insurance programs are designed under what is called a whole life insurance product. These type of policies will not cancel, regarless of your age or health condition.
This means guaranteed issue is a great option if you want to make sure your final expenses are covered because it is a long term policy that will last the life of the policy holder.
- Rates never go up – Most individuals want a life insurance plan that is predictable without sudden rate increases or cancellations due to age or health.
A guaranteed life insurance plan is perfect for fixed income individuals because the rate remains the same and will never change due to age or health.
This sense of security is especially important to fixed-income seniors who are vulnerable to rate increases and cancellations.
Stories from the Field
One of the things we pride ourselves on here at Buy Life Insurance for Burial is our ability to help our clients get affordable and high quality life insurance, often with first day coverage.
To make certain that life insurance is working the way it is intended to, first day coverage is especially important.
Coverage should pay out a maximum death claim to the beneficiaries to provide the type of security and peace of mind that the insured intended originally when purchasing the program.
Early on in my career, I met an older couple in their late 50s. Both the husband and wife were retired and though the husband had life insurance it dawned on him one day that he had not done anything to get life insurance for his wife.
As they were both getting older, he knew it was important to get enough insurance in place to take care of his wife’s final expenses, as they had very little savings to speak of and were on a fixed income.
Luckily his wife was in fairly good health and we were able to qualify her for first day full coverage with a reputable company.
I didn’t hear back from this client until about three years later when unfortunately the call came in that his wife had passed away after a struggle with cancer.
The husband was very concerned about being able to afford his wife’s funeral and burial. Though we have to wait for a death certificate to release funds, the funeral home had enough indication of life insurnace from us to be able to proceed with the funeral and burial at no cost to our client.
I remember the husband telling me how thankful he was for our help. That it meant a lot that he didn’t have to worry about money during a time of grieving.
His words stuck with me and impressed upon me the importance of getting quality life insurance in place.
I understood how we can all benefit the people we leave behind when we die by relieving financial burdens so that family can spend time mourning their loss and thinking good thoughts about how you impacted their lives rather than scrambling to come up with funds for a funeral.
How do I determine which life insurance is the best?
Here’s how I can help you further identify which of those options would be best suited for your particular circumstance.
Firstly, we have to establish is what your goals are. We’ve talked about this earlier.
- If you’re a disabled senior and your primary concern is to relieve the financial burden of paying for your burial or paying for your cremation, then it’s most likely a whole life insurance plan will be the best option for you.
- If you have a mortgage – let’s say you owe $50,000 – $100,000 and you’ve looked at the idea of whole life insurance but it’s out of your price range, then a term insurance product is not a bad idea. It will allow you to get as much coverage in that area as you can afford and cover the entirety of the mortgage, hopefully much better than the whole life at the same amount.
Secondly, you’ve got to turn determine – the disabled seniors – what your budget is. I’m a big advocate, as life insurance salesman, to impress upon people to buy what’s easily affordable.
Having been in this business for long, I know that a lot of people are convinced or cajoled into buying something they just can’t afford 6 to 12 months later. They will drop it and I just hate that because it’s a waste of your money and it’s a waste of our time together mutually.
You should buy life insurance plan that shouldn’t affect your day to day living that much. You should in a sense forget about it and know that it’s paid and it will come to life when it’s necessary down the line when it’s needed. Anything other than that, like a large purchase order on the life insurance plan that pushes the budget, will eventually break the budget.
It’s important for me to know your budget and what you’re comfortable with. A good life insurance broker, like myself, is first going to shop the different companies that are out there and try to get you the best price for what you can afford. If he’s good, he will suggest to buy something that’s comfortable first and you can always add on more.
Third is the question that you got to ask yourself is if your health qualifies. This is something an agent can help you with. They’re going to ask you a series of health questions; for me it’s at least in 5 to 10 minutes. I can tell you your options whether you want term, whole life, or guaranteed acceptance or guaranteed issue life insurance.
Based on that you will determine based if you’d like it. Note that most disabled seniors are looking for final expense life insurance plans, which means a whole life plan works best. That’s the type of plan that’s going to give you the best flexibility and underwriting and the best ability to get what you want.
We see sometimes disabled seniors get term insurance. It does happen, but most likely if you’re thinking in that direction of final expense coverage, the whole life plan is going to be the most appropriate.
How to qualify for a life insurance program to cover burial costs?
Let’s talk about how to qualify for a plan to cover disabled senior.
The first idea is to pick your agent. I’ll nominate myself and hopefully made it clear that I can help you. I do everything electronically over the phone and the computer.
Next, what we would do is we would talk on the phone, get to know each other a little bit, and then five or 10 minutes later I would actually have a quote that I feel would be an accurate representation of what you may qualify for.
Lastly, we just submit the application. There are applications that are telephonic where you do it all over the phone or applications where I just email you the application form and then you go through the process of filling it out and submitting it. It’s very easy
Usually you’re either going to get a decision instantly or within a couple of days. Sometimes in a few weeks but that’s rare. Usually it’s the same day or a couple of couple of days.
Then you find out that your coverage is approved or not; assuming it’s approved, you get your policy in the mail and that’s it. Very simple.
There are no examinations and most of these cases I’m no going to a doctor and get stuck with a needle. You just answered a series of health questions, follow the underwriting process and you find out what your decision is.
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
Case Study Examples
Cancer Health History
Miss Slater got in touch with us recently looking for a burial insurance plan. She wanted to have enough money to not only cover her funeral expenses but to also leave some money behind to her caretaker and favorite charity.
Miss Slater was 68 years old and in generally good health. The only concern she had was that she had undergone surgery a number of years ago to remove a cancerous growth on her leg and had gone through a series of chemo treatments after to ensure the cancer was gone.
She was healthy now, but worried a history of cancer would cause her rates to be unaffordable, or worse, that her application would be declined.
Thankfully she decided to work with a broker like us. We were able to shop among a number of providers to find first day coverage for Miss Slater despite her health history. She was thrilled with the result and surprised she was able to get such high quality coverage.
Though we can’t promise the same outcome for every applicant, we here at Buy Life Insurance for Burial strive to give our clients the best possible chance of securing affordable, high quality coverage from day one.
Rates Going Up
We recently worked with an older gentleman who had received notice by mail that his life insurance policy was going to increase dramatically in price in the next year. Due to his limited income, he was no longer able to afford the policy and wanted to know if we could provide something better.
This client had a history of high blood pressure and was taking medication on a regular basis to ensure he didn’t experience any health complications. He was worried when he spoke with us that this would cause a high rate and he would be stuck without insurance.
I’m happy to report we were able to secure first day coverage at a rate that was very low. Our client was able to switch his policy over and afford the monthly payments thanks to our ability to compare a number of providers and source out the best possible price.
Every application’s acceptance is dependant on a number of factors including age, health, and lifestyle. While we cannot guarantee acceptance, we certainly strive to find a provider for everyone that gets in touch with us.
If you like the idea of doing up a plan and you want to see what you can qualify for, visit www.buylife insuranceforburial.com. I’ll give you a free quote. It takes five or 10 minutes.
You can also give me a call on 88-626-0439. That’s if you call me, it’s going to take five or 10 minutes to find that out.
If you prefer to start a conversation through email, it’s totally fine. There’s a contact box at the top of the website’s page and a chat box then at the bottom of the page. Just send me a message, tell me what you’re looking for, and I’ll be happy to help you.
If you like the video, leave a comment, like it, and make sure you subscribe if you have found a lot of useful information.
Thank you so much for watching and spending your time with me and finding out more about life insurance for disabled seniors. If you would like to get a customized quote, please get in touch by sending us a message or phone us at (888) 626-0439.