New rates took effect yesterday, March 31, 2014, for Banner and William Penn OPTerm plans (including Term Riders) from Legal & General America. Decreases and increases position them in the top three in 87 percent of 1,560 “cells” across all ages, bands, term lengths and rating classes, for both men and women. Not only is Legal and General extremely competitive in pricing but consider the following advantages as well:
- Agency-applauded AppAssist; integrated with our Algren’s One Page App platform
- Financial strength (AM Best A+, S&P AA-, COMDEX 96)
- Term riders to customize coverage
- Substandard offers priced on Standard Plus rates
Take a minute to watch this video that explains the history of one of our Key Distribution Partners. Transamerica is not new to The Life Insurance Pro, infact, we have been selling their products for over a decade! This past year though, they have come out with some of the most exciting products in our industry.
Over 20 million adult Americans use marijuana at least once per year. If you have found this post, perhaps you are one of those Americans who uses marijuana either occasionally or frequently, and would like to know how this will affect you as far as life insurance rates go. The good news is that you can get approved for a life insurance policy as a marijuana smoker. This post will address the topic of life insurance for marijuana smokers and ill explain to you how you can also get non smoker rates.
If you do smoke marijuana, you really need to work with a life insurance agent who can help you find the life insurance company that will treat you most favorably when it comes to your specific use. While some companies will still approve you for recreational use most will offer you smoker rates, while with others you can obtain significantly better pricing at non-smoker rates. Ther price difference between smoker and non-smoker rates is remarkable, which means you can save a significant amount of money by finding a life insurance company that provides non-smoker rates to marijuana smokers.
How Can we get you Non-Smoker Rates?
The first thing you should do when trying to get non-smoker rates is be upfront and honest on your application and discussion with your agent. By being upfront about your habits, you are gaining credibility with the insurance company and they are more likely to believe you about how often you smoke if you are upfront about it, rather than having to explain after it comes up in a urine sample.
Which Insurance Companies offer the Best Life Insurance for Marijuana Smokers?
Most insurance companies will classify you as a smoker if you smoke marijuana, however here are some companies that are a bit more liberal in their guidelines and are able to provide non-smoker rates:
We represent five Life Insurance companies we feel are flexible when it comes to marijuana smoking. If you smoke marijuana let us know by calling us or messaging us privately and we can help you find the best rates for life insurance as a marijuana smoker.
New term rates effective April 11, 2013.
They’ve sharpened their pencil across nearly all OPTerm rating classes and rate bands for a new proposition for everyone … even female standard smokers at $100,000.Click here to read the full announcement.
Crazy Exciting Information Today! Transamerica Life Insurance Company announced the rollout of their HOT NEW Final Expense Life Insurance Product!
If you are NOT an appointed agent yet…let us change that! message us privately and we will get you your very own General Agent writing number!
What do love and life insurance have in common? More than you might realize. The motivation behind purchasing life insurance is love: We buy it because we love people and want to protect them financially. Think of it as the ultimate act of enduring love. How so? Read on.
The Things We Do for Love
We go to great lengths for our loved ones. We work hard to provide them with a life filled with happiness, comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our loved ones. We re-arrange our schedules to never miss our kids’ sporting events. We put in extra time at work to save up for that special family vacation. We rush out of the office to make sure we’re home in time for dinner with our loved ones.
But what if you died tomorrow and were no longer around to provide for your family? Without your income and all the other things you do for your loved ones, would they be able to maintain their current lifestyle and keep future plans on track?
That’s where life insurance comes in. It can’t put your family’s life back to how it was, but it can keep your loved ones in the world they’ve always known. So if you think you need life insurance (or more than you currently have), now is the time to do something about it.
A Different Way of Expressing Your Love
Preparing a romantic dinner. Planning a surprise weekend getaway. These expressions of love are sure to be appreciated. But why not consider giving your loved one a more enduring gift of love: life insurance. What can say “I love you” better than a promise to provide for the ones you love, even after you’re gone.
Effective January 14th, American General Life lowered rates on their SAT products. They remain extremely competitve, and are running well.
Submit your AGL applications today!