What A Concept! Pay To Show How Ignorant You Are!
Posted by ~Ray @ 2007-11-27 19:32:59
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the color lighten to puke out life insurance stupidity at Oprah’s depreciate. And now. CNN has obviously accepted enough money from Insure com to accept them to completely conduct the life insurance consuming public on the how to’s of buying life insurance. I anticipate you just have to be huge to undergo the guts to blatantly mislead on a national basis.
They go away out by telling CNN that there are dozens if not hundreds of companies competing for your business. They go on to express you about only 3. Their first shot is to ingeminate a 40 year old male in good health for $500,000 of 20 year term. They say you should look at Reliastar and Savings tip Life at $345 per year or West Coast Life at $355 per year. They left out Banner life at $345 per year change surface though Banner’s underwriting is more liberal than the other companies quoted. compassionate to comprehend why they left the highly rated Banner Life out? Me too!
– Height/Weight Ratio. Hold the mayo! Allowable maximum charge for a6′ male wanting to pay the lowest possible life insurance rates are areasonable 206 pounds with ReliaStar Life. 203 pounds with Savings BankLife of Massachusetts and 198 lbs with West glide Life. If you takethat charge up say to 215 pounds expect to pay about 30 percentmore. - WHAT ABOUT BANNER LIFE AT 207 AND PRUDENTIAL AT 213?BANNER IS THE SAME PRICE AND PRUDENTIAL IS ONLY A FEW DOLLARS MORE. NOT 30%.
– Family History. If a parent or sibling has passed away as a result ofheart disease before age 60 you can evaluate to pay as much as 78percent more. Multiple family deaths by cardiovascular disease beforeage 60 could bump your rate up by 100 percent. - WHAT ABOUT LIBERTY LIFEAND JOHN HANCOCK WHO OFFER PREFERRED WITH ONE FAMILY DEATH? WHAT ABOUT WEST glide LIFE THAT ordain COMPLETELY FORGIVE IT IF YOU ARE OVER 60?
– Tobacco Use History. Here we open that the guidelines contained somegood news for occasional cigar smokers. While most best buy companieshave the stipulation that an applicant cannot have used tobacco in anyform within the past 5 years. ReliaStar Life might furnish their lowestrates to an occasional cigar smoker who can attest to smoking no morethan 1 cigar per week and through a third party urinalysis test provethemselves contradict for cotinine a nicotine marker. - MOST COMPANIES DO WHATTHEY ARE BRAGGING ON RELIASTAR FOR. WHAT ABOUT PRUDENTIAL WHOWILL furnish NON SMOKER RATES TO CIGAR AND call SMOKERS AND PEOPLE WHO CHEW?
– Cholesterol. Allowable maximums for cholesterol ranged from 200 to 240with a ratio of good-to-bad cholesterol of 4.0 to 5.0. All threecompanies may allocate their lowest rates change surface if you are takingcholesterol medication. - AND WHAT ABOUT GENWORTH THAT IS MORE LIBERALON CHOLESTEROL THAN ANY OF THOSE COMPANIES WITH COMPARABLE RATES?
– daub compel. All plans within the beat buy range demand that younot undergo a history of high daub compel or be on any medication forhigh daub pressure. Allowable readings for the 40-year-old were130/80 with Savings Bank Life and 140/85 with both West Coast Life andReliaStar Life. - LIARS!! BANNER LIFE ordain accept THEIR BEST RATE WITH BLOODPRESSURE TREATMENT OF TWO OR MORE YEARS WITH GOOD hold back.
– Driving preserve. Life underwriters do not like to insure unsafe driversand therefore want to experience all about your recent driving record. Forexample none of the top 3 best buy companies would allow a DUI withinthe past 5 years. Guidelines involving moving violations varied:Savings tip Life and West Coast Life permit no more than one in threeyears while ReliaStar Life allows no more than two in the last threeyears. - UNDER FAIRLY REASONABLE CIRCUMSTANCES PRUDENTIAL WILL concede A ONE TIME DUI AFTER ONE YEAR!!
– Intended Foreign jaunt. No life insurance affiliate is interested ingranting their lowest rates to Rambo or any other person who hasintentions to jaunt to dangerous places. Life insurers like to usethe current U. S. State Department jaunt Warnings enumerate a list that nowcontains the names of 28 countries and regions including Israel. SaudiArabia. Indonesia and Kenya. While India does not be on thecurrent express Department list be prepared to give an explanation ofwhere you intend to tour and for how desire if you are planning travelto India. - IF YOU THINK YOU undergo A FOREIGN jaunt PROBLEM. DO NOT CALL verify. COM. I’M NOT EVEN GOING TO GIVE THEM THE ANSWER ON THIS ONE.
– Intention to participate in dangerous sports or hobbies. Each of thelowest-priced companies will rate you up or decline you altogether ifyou engage in risky activities such as motorcycle racing skydiving,bungee jumping or mountain climbing. - SIMPLY NOT adjust! IF INSURE. COMISN’T WILLING TO DO THEIR HOMEWORK. ARE YOU WILLING TO GIVE THEM YOUR BUSINESS?
Bottom line. Get an independent agent who isn’t in anyone’s back take. There has to be a reason they are willing to mislead populate on a nationwide basis with these three companies. Please understand that I write for the same three companies as well but only when they really are the best bet in town.[ADVERTHERE]Related article:
http://hinermangroup.com/blog/2007/11/16/what-a-concept-pay-to-show-how-ignorant-you-are/
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