DISCLAIMER AND DISCLOSURE REFERENCES
LIFE INSURANCE RATE QUOTE CHART COMPARISONS
Life insurance rate quotes referenced in our materials are based on a composite of participating carriers’ best-published monthly premium rates for 10-year, term life policies with face amounts of $250,000 and $500,000 as of 1/8/2020. Unless noted otherwise, the comparison rates are made for male, preferred plus, non-tobacco user, and female, preferred plus, non-tobacco user – at the respective ages noted in a rate quote chart (available upon request). Rates and products available may vary by state. All policies are subject to underwriting approval. Also, the rates and time taken to purchase a policy vary by product. Quotes are provided for information purposes only and do not constitute an offer of insurance.
$250,000 OF TERM LIFE INSURANCE FOR AS LOW AS $15 PER MONTH – FIDELITY LIFE ONLY
Quoted life insurance rates are based on Fidelity Life Association’s best-published monthly premium rates for 10-year, term life policies for a face amount of $250,000 as of 1/8/2020.
$250,000 OF TERM LIFE INSURANCE FOR AS LOW AS $15 PER MONTH – GENERAL
Quoted life insurance rates are based on a composite of participating carriers’ best-published monthly premium rates for 10-year, term life policies for a face amount of $250,000 as of 1/8/2020.
SAVE UP TO 70% ON TERM LIFE INSURANCE COMPARISON
Savings comparison references in our materials are based on a composite of participating carriers’ best-published monthly premium rates as of 1/8/2020 for a specific consumer profile of 10-year, term life policies for a 30-year old, non-smoker female and a face amount of $250,000.
SOME LIFE INSURANCE POLICY APPROVALS WITHIN 24 TO 48 HOURS
Based on timing of underwriting (if needed) and applicant approvals, some life insurance companies can offer completed, inforce life insurance policies within 24 to 48 hours. On average though, many companies may take from two to eight weeks to deliver an inforce life insurance policy.
SAVE UP TO 70% COVERAGE IN FOUR SIMPLE STEPS
Many of the life insurance companies we feature on our eCoverage.com website follow a similar quote request process that can be completed in four steps from requesting a preliminary quote to applying for a policy and locking in your rate. This rate is maintained while your application is reviewed and for the designated period of time your agent provides (which could be up to 6 months). The review is designed to confirm the health and lifestyle information you provided to the insurance carrier in your application. Affordable insurance payments will be based upon your submitted and validated profile information and your choice of coverage.
NO MEDICAL EXAM OPTIONS
If we reference life insurance policies that may not require a medical exam, the statement is based upon select policies offered and specific policyholder profile data.
TOP-RATED INSURANCE COMPANIES
If we refer to some top-rated insurance companies or carriers, we are noting participating carriers featured in A.M. Best’s listing of insurance carriers with at least an “A-” rating.
FREE LOOK PERIOD/REVIEW (30-DAY, MONEY-BACK GUARANTEE)
As a consumer, you should know that throughout the U.S., “free look” laws offer the policy owner a contract-designated period of time during which he or she is able to conduct a more in-depth review of his or her life insurance policy. During this time, you can ask your agent important questions that you may not have originally considered, get more clarity about the details of the terms and conditions – and better ensure it meets your needs. (Please understand that free look laws were designed for your protection. They may vary by state, policy types or review time periods.)
Should you choose to cancel or terminate the policy during the contract designated number of days, you will need to contact us or the appropriate insurance company – and then return the policy packet to receive a full refund for any payments that you’ve already made.
For Fidelity Life Association policyholders, the free look review period is 30 days – which begins once you (the policy holder) receive your life insurance policy.
TAX-RELATED OR FINANCIAL PLANNING REFERENCES
Any article or other content references to tax-related or financial planning referenced information is provided for general education and discussion purposes. It should not be viewed as legal, tax, or investment advice. You should consult with your attorney, financial institution, accountant or investment advisor relative to your specific financial or legal circumstances.
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Last updated: August 2020