A $1,000,000 in death benefit coverage is not as much as what people think these days and what it used to be anymore.

You see we typically recommend 10 times your annual income.

So there's a lot of professionals here in Boise that are making, you know, $75k $80k $100,000 a year and with families or if they own business purposes as well. Maybe to secure an SBA loan that happens a lot here at our agency. 

It happens in divorce settlement agreements where they have life insurance either on each other or the spouse, or the husband needs to carry life insurance, you know, in case anything happens to him, especially if they have kids.

So we will come to the website here. You can always go over here. There's always gonna be big, called the action buttons to either call us or get quotes and under product she and go doing two life insurance tab there.

We do offer health insurance as well. I don't do much of the health insurance anymore, but my great agents do. So please let us know if you need help. Their group health. You only need two people for, ah, small group to get one started.

And that's where I would probably recommend a lot of people to go to. We work with a lot of self-employed business owners, folks.

So click on the life insurance quotes is gonna take you to our online quote system here. This is very easy, very quick to use, and you'll have quotes in a matter of minutes.

So I was to be safe. Do the third heart. That's overall, general. Pretty good health. If you start going for five, you know it's a little bit tougher.

The fifth Heart. Rarely does anyone ever get that rating overall good health? Just to be safe, you can always if you apply for a rate class and you come in better they give it to you.

They don't They're not being sneaky. They want the business.

And so these underwriters, they do want to know. They do want to ensure you it's their job.

And if you're a good risk and if you're good health, they're gonna give you a better rate class because they know that that business sticks around a little bit better.

Nicotine or cannabis? Yes, pot is considered smoking rates. So in they test tobacco is a big deal. It, uh, increases your rates. It's almost double sometimes.

So you need to think about what you're doing with your smoking or tobacco usage for cannabis.

And But, you know, listen, if that's what you do and that's part of your life, well, then that's what you do. And then let's see here.

So we're gonna do a 40-year-old male today. Pretend I was born in 1980 and here's our $1,000,000. So here's what happens on our unlike quote engine term is highlighted.

You click on permanent, and it will show you what a $1,000,000 permanent policy will look like, which is kind of nice.

Some people of 40 years old uh, you were at that age where if you're if you've got good income coming in, we could put something together toe where it could still make sense to do what they call it.

Alert the life insurance retirement plan, where you're just gonna help supplement your retirement with life insurance.

Because you can pull, the money's out, tax-free, they grow tax-deferred, you can pull, the money's out tax-free.

And some of these policies have living benefits, which are very uh, very desirable. We'll talk about that some other time.

Okay, so, and then if you want to come back to term, you just go regular turn that we do offer to return a premium.

It's, uh it's much more costly. So today we're just gonna go 40 years old.

Okay, one million overall. Good health. And let's take a look at these companies here. So you select on that there. Click next.

Now we do ask you or your email. We don't bother you here. If you don't want to talk to us. That's fine.

So All right, so we're looking at a $1,000,000 for 40-year-old male.

Pretty decent health banners coming in at number one. It about $90 a month.

But what I always do is come down here and take a look at these other companies.

Top Consideration You Need To Know About Buying A One Million Dollar Policy

Getting a one million dollar policy for life insurance is an important decision that requires careful consideration of various factors. The ability to obtain such a policy can depend on a range of factors, including an individual's age, health, lifestyle, occupation, and financial situation. In this article, we will discuss some of the top factors that can affect the ability to obtain a one million dollar policy.

1. Age: Age is a significant factor when it comes to obtaining a one million dollar policy. The younger a person is, the easier it may be to obtain such a policy. This is because younger individuals are typically healthier and present less risk to the insurance company. As individuals age, the risk of developing health issues increases, and the likelihood of obtaining a one million dollar policy decreases.
2. Health: Health is another critical factor that can affect the ability to obtain a one million dollar policy. Insurance companies will typically require a medical exam and may ask for additional health information, such as medical history and lifestyle habits, to assess the risk of insuring an individual. If an individual has pre-existing health conditions or engages in high-risk activities such as smoking or extreme sports, it may be more difficult to obtain a one million dollar policy.
3. Lifestyle: Lifestyle habits such as smoking, excessive alcohol consumption, and a sedentary lifestyle can also affect the ability to obtain a one million dollar policy. These factors can increase the risk of developing health issues and may lead to higher premiums or even denial of coverage.
4. Occupation: The type of occupation an individual has can also affect the ability to obtain a one million dollar policy. Jobs that are considered high-risk, such as those in the military, law enforcement, or aviation, may result in higher premiums or even denial of coverage.
5. Financial situation: The ability to pay premiums is also a crucial factor when obtaining a one million dollar policy. Insurance companies will typically require proof of income and may ask for additional financial information to assess an individual's ability to pay premiums over the life of the policy. If an individual's financial situation is uncertain or unstable, it may be more challenging to obtain a one million dollar policy.

Tips On How To Apply For Life Insurance Online

Obtaining a one million dollar life insurance policy can provide significant financial security for loved ones in the event of an unexpected death. However, applying for such a policy can be a complex and time-consuming process. In this article, we will discuss some tips to help individuals apply for a one million dollar policy and increase the chances of approval.

Applying for life insurance online has become increasingly popular in recent years. The process can be more convenient and efficient than traditional methods, but it still requires careful consideration and preparation. In this article, we will discuss some tips for applying for life insurance online.



1. Research insurance companies: Before applying for life insurance online, it is important to research different insurance companies and policies to determine the best fit. Look for companies with a strong reputation and customer service track record, and review policy details to ensure they meet individual needs.
2. Determine coverage needs: It is important to determine coverage needs before applying for life insurance online. Consider factors such as outstanding debts, future income needs, and the needs of dependents. This information will help determine the appropriate amount of coverage needed and ensure the policy provides adequate financial protection.
3. Gather necessary information: When applying for life insurance online, it is important to gather all necessary information ahead of time. This may include personal information, medical history, lifestyle habits, and financial information. Having this information readily available can help speed up the application process and ensure accuracy.
4. Be honest on the application: Honesty is critical when applying for life insurance online. Insurance companies may ask detailed questions about medical history, lifestyle habits, and occupation. It is important to provide accurate and complete information to avoid potential issues with the policy down the line.
5. Review the application carefully: Before submitting the application, it is important to review it carefully to ensure accuracy. Double-check all personal and medical information, and make sure the policy details meet individual needs. Errors or omissions can result in delays or even denial of coverage.
6. Follow up with the insurance company: After submitting the application, it is important to follow up with the insurance company regularly. This can help ensure the application is progressing as expected and can provide an opportunity to address any issues that arise.

Now, the term life companies these days are very, very competitive with each other.

So take a look here.

I honestly like for $90 a month, I would probably look at Principal Life here, maybe John Hancock for a couple of extra dollars.

And now what?

That means no exam based upon the way you answer health questions on the application and through the phone interview, it's possible that you would not have to do blood and urine.

Okay, that just it just speeds up the whole process.

If we can affect yet no exam one that but for me, I would probably go principle of John Hancock and, you know, or you go Bay says.

Right here.

Banner is an exam is required.

The nice thing is, is, if you like that quote, you could just supply right online.

This process will walk you through the information that we need to start the application.

I'll get notified, and if there's anything that we're missing, I'll just ache before it, and we'll help you along the process.

So, folks, a 40-year-old now a $1,000,000 is about $90 a month for a 20-year term.

We'll talk soon.

Reach out to us if you have any questions, Thank you.