(321) 387-8463 DonW@ezappforlife.com
(321) 387-8463 DonW@ezappforlife.com
Our quoting software provides flexibility so you can find a monthly cost that fits within the family budget. We offer a Return of Premium rider for those that qualify. This option returns all premiums paid if you outlive your policy. See FAQ for additional information.
Obtaining life insurance is something many people know they need to do. However, the process can be time consuming and uncomfortable when you are required to speak to an agent, provide your medical history and provide your financial information, so it often gets delayed. With our EZ App, you can complete the entire application yourself and have an underwriting decision in less than 10 minutes.
Life insurance premiums are largely based on your age and your health at the time you apply. You will never be younger than you are right now and you will likely never be healthier. Don't put this off any longer. You could get coverage today! If issued, your rates will never increase and you coverage amount will never decrease during the length of the policy regardless of your change in age and/or health. However, you can always decrease or terminate coverage at any time.
Generally speaking, 5x to 10x your annual income. for the longest term length available (usually 20 or 30 year term). If this plan is not affordable, our software will allow you to alter the coverage amount and/or the term length to adjust the monthly premium that fits your budget. Get this done today.
Based on your age, you have the option of applying for a 10,15,20 or 30 year term length. If issued, the coverage amount or the premium cannot change during the term length even as you get older or even if your health deteriorates. Because of these very important policy provisions, it is strongly advised to apply for the longest term length and the maximum coverage amount you feel you need . You can always decrease or terminate your policy at any time. However, if you ever need to apply for additional coverage, the rates will be based on your age and health status at the time you apply.
This option returns all premiums paid if you outlive your policy. For example, a 30 year policy that cost $75 per month would return $27,000 to the policy owner if the policy was still enforce after 30 years. This rider effectively reduces the net cost of your coverage to zero. Your will either get your premium back or your beneficiary will receive the coverage amount of the policy.
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