What Is Temporary Health Insurance In Idaho

When you are first starting out in your career, you may not have the money to afford a full health insurance policy. This is where temporary health insurance comes in. This type of policy is designed to give you the coverage you need for a short period of time, usually six months to a year.

It can be a great option if you are between jobs or waiting for your employer-sponsored health insurance to kick in. It can also be a good way to bridge the gap if you are ineligible for Medicaid or Medicare.

There are a few things to keep in mind when shopping for short-term health insurance . First, it is important to make sure that the policy covers the essential benefits required by the Affordable Care Act. Second, be aware that these policies often have high deductibles and out-of-pocket maximums.

What Are The Benefits Of Temporary Health Insurance

 There are many benefits to having short-term insurance, especially in Idaho. Some of the main benefits include:

1) It can provide you with coverage for a short period of time, which can be very helpful if you suddenly find yourself without health insurance.

2) It can be a cheaper option than traditional health insurance, which can be important if you are on a budget.

3) It can help you avoid the penalty for not having health insurance, which is currently $95 per person or 2% of your income (whichever is greater).

4) It can give you peace of mind knowing that you have some coverage in case of an emergency.

Overall, it can be a great option for people in Idaho who need coverage but don't want to commit to a long-term plan.

What Are The Limitations Of Short-Term Health Insurance

Temporary health insurance in Idaho is designed to provide coverage for a limited period of time, usually between 30 and 90 days. This type of policy is typically used by people who are between jobs or waiting for their employer-sponsored health insurance to begin.

While it can be a useful stopgap measure, it is important to be aware of its limitations. First, the plans tend to have much higher deductibles than traditional health insurance plans. This means that you will likely have to pay more out-of-pocket costs if you need to use your coverage.

Second, these plans often exclude coverage for pre-existing conditions. So, if you have a chronic illness or condition that requires ongoing treatment, you may not be able to get the care you need with a temporary plan.

How Do I Get Temporary Health Insurance In Idaho

If you are in need of a short-term policy, there are a few options available to you. You may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). You can also purchase short-term health insurance plans.

If you are eligible for Medicaid or CHIP, you can apply online at https://ift.tt/JZXGeQK. If you do not qualify for these programs, you can purchase a short-term health insurance plan. These plans typically last for up to 12 months and can be renewed for additional coverage.

When shopping for a short-term health insurance plan, be sure to compare different plans and prices to find the best plans and coverage for your needs. You can learn more about temporary health insurance in Idaho by contacting our licensed insurance agents, we can help you choose the right plans that will perfectly fit for your healthcare needs and budget.

Who Is Eligible For Temporary Health Insurance

There are many people who are eligible for temporary health insurance in Idaho. This includes people who are between jobs, self-employed or have a gap in their health insurance coverage. It is a great help to ensure that you stay insured while you are looking for a new job or waiting for your new health insurance to begin.

If you are unemployed, you may be eligible for COBRA continuation coverage, which allows you to continue your employer-sponsored health insurance for 18 months. If you are not eligible for COBRA, or if it is not right for you, there are other options available. You can purchase an individual health insurance policy, which will give you the same coverage as an employer-sponsored plan. Or, if you qualify, you can enroll in a government-sponsored program like Medicaid or the Children's Health Insurance Program (CHIP).

Is Temporary Health Insurance Right For Me - Chris Antrim Insurance Agency Can Help You Choose The Right Plans For You

There are a lot of factors to consider when trying to decide if temporary health insurance is right for you. Some people only need coverage for a short period of time, while others may find that they need it for a longer period. There are also a few different types of short-term health insurance, so you'll want to make sure you understand the differences before making a decision.

One type of temporary health insurance is called "short-term health insurance." This type of policy can last for up to 12 months and can be renewed for up to 36 months. Short-term health insurance plans typically have higher deductibles and out-of-pocket costs than other types of plans, but they can be a good option if you need coverage for a short period of time and don't want to worry about finding a new plan later on.

To ensure to get the best plan , you may contact our office to help you out in choosing the right coverage for your needs and budget. We offer various insurance products which ever you may need from health insurance to Medicare plans. Call us anytime!

Original post here: What Is Temporary Health Insurance In Idaho

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Boise Term Life Insurance Policies - Best Quotes & Rates - What Companies - Broker Chris Antrim

Why Term Life Insurance Is Probably Your Best Option

Hi, Boise! This is Chris with Boise Health and Life Insurance Agency.

So listen, today we're gonna be talking about term life insurance. It is my favorite life insurance product. I think it fits most of my customers the best.

You know, life insurance sometimes gets a bad rap because of the agents and how aggressive they can be on trying to sell large, premium, whole life permanent policies which honestly have a place in all of this and conduce well, as a supplemental type of retirement program.

But you gotta fund the policy, correctly.
And then we put enough money into him, and you got to do it early enough for it to make sense.

But for most of us, most, uh, dual income families, mom and Dad, working kids, just trying to get pure protection for as much as you can in case anything were to happen.

Term life insurance is probably your best option. And the great thing about term life insurance is most companies will allow you to convert the policy to something permanent.

Term Life Insurance FAQ's

Now, why you'd want to do that is, uh let's say you had a significant health change toe where you could never get insurance again or would be highly rated. Well, you can take your term life policy and there's gonna be contractual limits on this. Typically, you're gonna have up to a specified age that you could get up to and convert that policy. Um, uh, but and then the policy was also tell you typically up to 8 70 you can, you know, you can convert, so it just depends.

But typically you can get up to 65, 70, 69 with the companies that you can convert that term life policy into a permanent policy. And then that way, you're gonna always have insurance coverage. Um, because at that point, you could have, you know, You know, I'm not going to say your terminal, but you could have issues that's going to significantly reduce your life expectancy. So But anyways, let's go in real quick. Ok, this is our website.

We do health insurance in dental insurance and annuities and long term care insurance. Uh, we just like to focus on life insurance. I think it's the number one, the number one product, that every family should have any business to be quite honest. So from our website here. You come over here to life insurance quotes we have in coming here, Uh, you know, leading to do a quick quote online. And our deal here is we just don't want to pester our clients. So you come in here and do your unquote This is just a real quick and real simple, you know?

And it just clipped next mail. I was go kind of right here. If you're a pretty good overall health, that's probably where you want to be. Tobacco, By the way. Tobacco. Okay, if you are a tobacco user or cannabis, Canada's and pot is considered nicotine tobacco rates. Okay? It's gonna double almost right after that with tobacco rates. So just be prepared for that. Um, and if you're thinking well, quit and re apply for life insurance.

Yeah, well, I wouldn't suggest that I've had friends and family members and clients were like, Boy, I I was gonna quit and or they did quit or they never did quit. And then they had a health issue and they couldn't get insurance anymore. So don't wait. Just get it if you if you If you get the life insurance and then you quit. We can always back to go back to the company and ask for a rate reduction. No problem. That's the easy.

That's the best way to do it on. Then your heightened way just to kind of so we can you can make sure we kind of get you in there. I think I'm about to 15. I don't know about right now with the code, Um, the coded, the Kobe I probably put on a couple. Uh, yeah, probably put on a couple pounds there, So Okay. And then it comes in here so that there's this is a little bit tricky. So appear its term and permanent it will. You got a click on which one you want. So and then here, when you click on term, it's gonna say accidental their death term and return a premium.

Just leave it at term, you know, is fine. Yes, we do have return of premium. It costs more, but that is a great plan. So I'll do a video a nice some other time. But in the next little death, I'm not a big fan of of we're just gonna keep it a term Let's see. Here we Here's a calculator up If you need help selecting what your death that they should be But, uh, you know, and you just like this over. But listen, a good rule of thumb is 10 times your annual income. That's just a good rule of thumb.

So if you're making you know 65 70,000 year, you know, you're probably gonna want to be in the 6 50 range. Okay, Now, the theory behind that is you'll have your loved ones will have 10 years of your income to really get back on their feet. Make sure everything's OK. 10 years is actually, you know, a pretty good time to make sure they get everything figured out and covered. Uh, are my favorite plan, depending on your age, but most this. What we sell the most is 20 year term, so you'll just click on the 20 year term.

You're gonna have to enter. You have to enter your DOB. Ok, here's your inter your your email. We all get a notice about this. But don't worry. Work now, kind of, we're not gonna pester you. And if you need help just let us know that we might reach out once and say, Did you need some help? What do you think? Okay, so and then here we go. Now, here's the good thing. About term, okay? It's affordable. This is a 20 years, $650,000 policy.

Now, down here, we can change this up. That might be a little hot.Maybe we just need to cover something less. Ok, just rerun the quote, and you're going to get the new rates. Okay, so that's fantastic. And also, you can adjust what you want to look here. 20 years is on the average, but, you know, maybe you just need the coverage for 15 years, and now you're down this 74 73. Now you still have to go through underwriting.

Okay, But the one they always show you 74 73. Okay, now, there's a couple options down here. Um, you know, uh, principal John Hancock in SPLI. I okay, It says no exam. Now, what that means is we'll take We'll put principle up here. Okay? What that means And based on your answers to the underwriting questions and exam, May or may not be required, so it doesn't mean no exam. It just means maybe no exam. That's what they mean by that. Maybe no exam. If your overall good health, you probably won't have to do it.

Okay. And which is great that that just speaks everything up here. So, uh, last time going from Lome? Yep. And Okay, so same thing SP allies the same thing. And I would I love I love Banner, but 74 but for a little bit more money you can get o are starting apply for a no exam policy. And it could just really speed things up. So anyways, this is what you do. You got this right here. There's a pdf right here. Will tell you about the product. Um, and then you can literally click right here and start and start the application, like, literally right here.

All you do is click next and you start entering your information, okay? And you will just follow the screens through to the end. You click sign. And you can get this all done. I will get an email where I will click sign as well, and we'll help you get this ball rolling. So, um, the best thing you can do is get the phone interviews out of the way to see how that all done, because that speeds things up.

So all right, well, that's it for today. For term life insurance, some quotes and rates. I hope you found this useful. And contact the office any time. And myself, for one of our awesome agents will be a little more than happy to help you out with any of your insurance needs.

Thanks.

And have a great day.

Knowing Your Term Life Policy

Term life insurance is one of the most basic and common types of life insurance. It is also one of the most affordable. A term life insurance policy provides coverage for a set period of time, typically 10, 20, or 30 years. If the policyholder dies during that time frame, the death benefit will be paid to the beneficiaries. If the policyholder does not die during that time frame, the policy will simply expire and no death benefit will be paid.

One of the main advantages of term life insurance is its affordability. Because it does not build cash value like whole life insurance, it is much less expensive. This makes it a good option for people who are looking for temporary coverage or for those on a tight budget.

Another advantage of term life insurance is that it is very simple and straightforward. There are no complicated rules or riders to worry about.

What Factors Affect Term Life Insurance Policy Rates

There are a few factors that affect the cost of a term life insurance policy. The most important factor is the age and health of the person being insured. A smoker will pay more for life insurance than a non-smoker, and someone with health issues will pay more than someone who is healthy. The amount of coverage also affects the price. A policy with $1 million in coverage will cost more than a policy with $500,000 in coverage. The length of the policy also affects the price. A 10-year policy will be cheaper than a 20-year policy.

Get The Most Affordable Term Life Insurance Rates In Boise

When it comes to life insurance, there are many factors that will affect your rate. To get the best rate on a term life insurance policy, you will want to shop around and compare rates from different companies. You can also use an online life insurance calculator to help you determine how much coverage you need and what your rates will be.

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Original post here: Boise Term Life Insurance Policies - Best Quotes & Rates - What Companies - Broker Chris Antrim

Boise Life Insurance - Seniors Life Insurance Policies - Quotes & Rates

Life Insurance For Seniors - Final Expense & Guaranteed Issue

Hello, Chris with Boise Health and Life Insurance Agency. Hey, I know we've been focusing on life insurance here with the last few posts. 

But did you know that we are a full-service health and life insurance agency helping you with your individual group, health insurance, Medicare Advantage, Medicare supplements , dental insurance, disability, annuities, and, of course, life insurance? 

But if it's insurance, we can probably help you out with that. We have a property and casualty division as well, where we can help you out with the home, auto, and business insurance. Anyway, So today we are talking about senior life insurance. So this is one of my favorite products to help out folks for those final expenses and to make sure that things were taking care of. We need to know that we can pass on peacefully knowing that our loved ones are not encumbered with a bunch of debt for some little, you know, little things. Small debts and finale expense costs! 

Look on life insurance quotes, go to the life insurance tab in the website there, and there's actually ah, quote engine indebted right here in the web page. And you can start doing quotes right here on the website, and what we're gonna do is let's just click on here and we're going to go ahead and get going with the quotes! So I'm gonna use a dummy name. Well, that's actually my real name there, So I'm going to be, uh, standard here.

That's good That's a good rate. I just did a video on smokers Life insurance. It does increase your rates. It's typically doubled, if not more. So just let that be known height and weight here. This will help us figure out a rate class or give us some guidelines. I've been a little under the weather. Hopefully, I'm about to 15 now. Okay. So I mean, so I'm gonna put in a fictional date of birth here, but you put in your real one.

Uh, this you put me in about at each 58 so this will be the quote page. So from here, what we're gonna want to do is we're gonna want to click on permanent. They so highlight that it will be blue. You can see how these rates change. And then for final expends seniors life insurance, we go down to 5000 as a minimum facing out, and you can see that. So that's what it's gonna leave you with Their and weaken. Typically go up to about 40. About 50,000 typically.

So let's just put in 30,000. That might give us a couple of different products here. Yeah, so this is, Ah, fully underwritten. Guarantee universal life. It's the whole life product in the final expense. And so let's go and look at these. Let's let the final expense and I'll tell you a little bit about so we will need your email on your phone. Don't worry, we don't pester you here. If you don't want doctors, that's fine. We're just here to help.

Okay, so when coming here when you take a look at the different products that we will have available, Okay, so here we can change your death benefit so we could go down to around. Sometimes we just need 25,000 final expense products there. Make sure that's selected, so that's what we mean by final expenses. They were Senior Life insurance is basically the amount.

It's basically the mountain and the underwriting, so you can see here this underwriting there's no medical exam with this Oxford life policy. They'll ask you some questions over the phone, and they may order records. Okay, so that's gonna depend on the way you reply to their questions. And, um and the answer is that they get okay, so and all that really means is they may. It's gonna probably take longer.

OK, but you can see that monthly right there for 25,000 is 92 71 united of Omaha. We've all know, remember them? Same thing. You're gonna go through a phone call, and but you're not gonna need an exam. They may order medical records. Okay, Uh, these are not Garrett. What I called guaranteed issue because there can be some health issues. And then here are Gerber $154.00 monthly premium.

This no examines all, and they may look at your medical records reviewed, but this is a guaranteed issue. It's guaranteed acceptance. Okay, uh, you no matter your health issues, you can get coverage here, and it is agreed. Death, benefit, Meaning. If anything happens in the 1st 2 years, you're gonna get your premiums plus 10% okay that you've paid into that policy. So it's basically the 1st 2 years is a return of the premium type of product plus 10%.

If you live the past two years, you do get the full death benefit after that. Okay, So anyways, folks, it can be confusing the quote, uh is probably sometimes not the easiest to do this with. But just send us a message and we can pop in here. Let us know your budget, what you're working with, and we can work something out to make sure we try and get you some coverage and not leave your loved ones with some final expense bills and imperial costs.

Well, thank you, and have a great day. Give us a call and visit our website .

Why Do Seniors Need Life Insurance

As people age, their insurance needs to change. While some types of insurance are no longer needed, others become more important. One type of insurance that seniors should consider is life insurance.

There are several reasons why seniors need life insurance. One reason is to cover final expenses, such as funeral costs and outstanding debts. This can be a burden on loved ones who are already grieving.

Another reason to have life insurance is to replace lost income. If a senior is still working, their death could create financial hardship for their family. Life insurance can help ensure that bills are paid and living expenses are covered.

Finally, life insurance can be used as a way to leave a legacy. By naming beneficiaries, seniors can direct how their policy proceeds will be used. This can be used to support a favorite charity or cause or to provide for future generations.

How To Get The Best Life Insurance For Seniors

As you age, it becomes increasingly important to have life insurance. But, finding the best life insurance for seniors can be tricky. Here are a few tips to help you get the best coverage possible:

1. Know what type of life insurance you need. There are two basic types of life insurance: term and permanent. Term life insurance is typically less expensive and provides coverage for a set period of time, usually 10-20 years. Permanent life insurance is more expensive but offers lifelong protection.
2. Shop around and compare rates. Life insurance premiums can vary significantly from one company to the next, so it’s important to shop around and compare rates before buying a policy.
3. Consider your health status.

Boise Life Insurance For Seniors

Life insurance is a vital part of financial planning for seniors. It can provide peace of mind and financial security for loved ones after the policyholder passes away. There are many different types of life insurance, so it’s important to choose the right one for your needs. Here’s what you need to know about life insurance for seniors.

Whole life insurance is the most common type of life insurance. It provides lifelong coverage and builds cash value over time that can be used as an emergency fund or retirement savings. Whole-life policies are more expensive than other types of life insurance, but they offer more stability and security.

Term life insurance is a good option for seniors who want coverage for a specific period of time, such as 10 or 20 years.

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Original post here: Boise Life Insurance - Seniors Life Insurance Policies - Quotes & Rates

Boise Life Insurance Broker - Smokers Term Life Insurance Quotes - Chris Antrim - Tobacco Rates

Smokers & Tobacco Users Still Can Find Affordable Term Life Insurance!

Hi, Chris. With Boise Health and Life Insurance Agency. Today, we are going to do a video and some quotes for someone who currently smokes or chews any kind of tobacco product that could be vaping as well. Also, add cannabis, these days cannabis is considered, tobacco rates.

So keep that in mind as you're shopping, but we'll give you an idea here. Being a smoker or tobacco user is usually going to double your premiums just pretty much right up that, you know, and then everyone says to me, Well, I'm just gonna quit and then get life insurance ! 

Well from my experience you are better off getting the insurance in place, then quit using tobacco and then going back for a rate reduction on your policy. And I have seen customers and clients, where they waited to quit something, happens with their health and then they are uninsurable! So this is another one of my quote engines here, But you can always come to the website and come in here and click on life insurance.

Quote and up here you can go to the life insurance page. There's an actual online quarter that's right, embedded into the website right there um or just give us call. So, uh, this is a quick another little quarter. I used to show some rates. Now, this is gonna be a quick little video here today. Just want to give you an idea of what smoker life insurance rates may look like. 

This kind of show you the difference in rates here. So what I have is myself on 48 yr old male 20-year term life, which is probably the most popular product that sold for 250,000. Ah, a lot of times. And you get to be, you know, in your late forties, early fifties, you are just looking.

You might have some insurance in force already at work. You might have some other older, permanent, whole life policies. And you're just looking for something to supplement. Take you out for the next 20 years, make sure the kids get off the college. Uh, you, uh, the house gets paid off, or if you're a business owner, you get some business loans paid and taking care of.

If anything happened, so 250k is is a good amount there. So let's see here.  We're looking annual premium. Let's go. Let's just make this a monthly premium payment.  That's what just kind of gives you a better idea there. I like that.  So this is a standard plus, which is a general good kind of place to be. If you're an overall good general health standard plus non-tobacco rate would look pretty good.

Okay.  And this is a banner policy here, coming in about 52 monthly Pacific life , Principal, AIG & John Hancock, they're all pretty close to 50 to $56 a month. All these companies would be great companies to take a look at their We work with all of them. Some of them, you know, depending on if you've got any health issues. Some of them are little that was funny and quirkier that we make sure we talk to you about that before we apply.

Okay, these air nonsmoker rates, So standard. Plus, And then let's see here. Where's our first smoker rate? Here? It will be for the same. Probably gonna be for tobacco. So you can see here We went from the $52 a month to 1 39 for a preferred tobacco ray. 140.00 with AIG. And that's pretty normal. So that gives you an idea here if you can. If you can quit now, if you're currently using tobacco, uh, most companies want you tobacco-free for several years to get the best rates .

So, you know, you gotta quit now. But here's the good news. You even if you are a tobacco user. You know, you gotta be honest on these applications, number one, because you just have to, you know, you don't want any issues If something were to happen, you know that you're not being honest, and you're doing is two ccs full. So there can always be an issue with the claims.

So you always got to make sure you're being honest, that they'll find out, especially blood urine, and they look a doctor's records to on all that could be tied into your records. So be honest upfront, 139.00 a month. Really for tobacco rates, still not too bad. And then you can take your time. Make sure that you quit and do it the right way. And throughout a specified time, we can ask for rate reductions based upon how long you been tobacco-free to get those rates down.

So that's what you do. That's our suggestion. But that gives you an idea right there on the difference between a smoker and nonsmoker rates. It's a huge, huge difference, so but don't be deceitful when trying to apply for coverage, either with the company's it's that will never, ever work out in your favor. So give the office call.

Reach out to us. We can help you. Yes, if you're an occasional cigar user, that's a different story. If you're sure that is a tobacco rate, any kind of nicotine patches. Those are all tobacco rates and vapes with nicotine in it. Those air tobacco rates as well. And I did mention cannabis, which they are considered tobacco rates these days. But okay, folks, I hope you're having a great day and we will talk to you soon.

Thank you.

The Effect Of Tobacco To Your Insurance Premiums

Smoking tobacco comes with a lot of health risks, but did you know that it can also make your insurance premiums go up? That’s right – if you smoke, you’ll likely pay more for life, health, and auto insurance.

Tobacco use is the leading cause of preventable death in the United States. It’s estimated that smoking causes about 443,000 deaths each year. And those smokers pay about $1,200 more per year in life insurance premiums than nonsmokers.

Smokers are also more likely to develop health problems like cancer, heart disease, and stroke. These health issues not only shorten lifespans but also drive up healthcare costs. That means that smokers end up paying more for their health insurance than nonsmokers.

How Tobacco Use Affects Insurance Premiums

Tobacco use has been shown to have numerous negative effects on one’s health, but did you know that it can also affect your insurance premiums? insurance companies have long taken tobacco use into consideration when setting rates, and smokers can expect to pay significantly higher premiums than non-smokers.

In recent years, however, some insurers have begun offering discounts to smokers who quit, as studies have shown that ex-smokers pose much less of a risk than those who continue to smoke.

Why Insurers Charge More For Smokers

It’s no secret that smoking is bad for your health. But did you know that it can also make your insurance premiums go up? Here’s why: Smokers are more likely to get sick or injured than non-smokers. That means they’re more likely to make insurance claims. And when insurers have to pay out more in claims, they have to charge higher premiums to cover their costs.

Smoking also shortens lifespans, on average by 10 years or more. That means insurers have to pay death benefits to the families of smokers sooner than they do for non-smokers. Again, this raises the cost of premiums. So if you smoke, be prepared to pay higher insurance rates. But there’s good news: quitting smoking can lower your rates over time.

The Cost Of Smoking-Related Health Problems

Smoking-related health problems are expensive. They cost the average smoker $3,395 per year in medical bills and lost productivity, and they cost nonsmokers $622 per year in secondhand smoke exposure. In total, smoking-related health problems cost the United States $170 billion per year.

Smokers pay more for health insurance than nonsmokers. On average, smokers pay $1,051 per year in premiums, while nonsmokers pay only $415 per year. This difference is even larger for older smokers. A 65-year-old smoker pays $2,473 per year in premiums, while a 65-year-old nonsmoker pays only $837 per year. Smokers also incur higher out-of-pocket costs for their care.

Life Insurance For Smokers In Boise

 While some of you may wondering if an insurance companies can denied the smoker? The answer is no! Smoke can shop and purchase life insurance, but they must be prepared for the monthly premiums because premiums for smoker tends to increase. Because nicotine has a huge impacts to an individuals life expectancy.  The only chances you'll get deny on your enrollment is when you lie at your application about your lifestyle.

Learn more about life insurance about seniors, click our next article Boise Life Insurance - Seniors Life Insurance Policies - Quotes & Rates

Thanks For Watching Our Video And Visiting The Website!

Please let us know how we can help you with your life and health insurance needs!

Sincerely, Chris Antrim

Original post here: Boise Life Insurance Broker - Smokers Term Life Insurance Quotes - Chris Antrim - Tobacco Rates

Term Life Quotes & Rates - Boise Life Insurance

Life Insurance Quotes & Rates From Local Brokers & Agents

Hi Boise

Do You Need Life Insurance ? Of course you do, we all do! 

Then contact our professional and friendly team to learn more about our range of custom and tailored services designed to suit your exact needs.

Every one of our professionals have acquired years of experience which ensures you get the very best are experienced staff are waiting to hear from you and to answer any specific questions that you may have and how we can meet your needs.

Just ask for a consultation and let us prove our commitment to you as we promise to maintain the highest level of quality and commitment.

Your satisfaction is our prime concern.

So please don't hesitate to get in contact with us and let us show you all the great options we have.

What Is Term Life Insurance

Most people have heard of life insurance, but many do not understand what it is or how it works. Term life insurance is one type of life insurance that can be a valuable financial safety net for your loved ones. Here we will explain what term life insurance is and how it works.

Term life insurance is a type of life insurance that provides coverage for a set period of time, typically 10-30 years. If you die during the term of the policy, your beneficiaries will receive a death benefit. The death benefit is the amount of money that your beneficiaries will receive from the insurance company.

If you do not die during the term of the policy, the policy expires and you (or your beneficiaries) do not receive any benefits. For this reason, term life insurance is often called "pure life insurance.

How Does It Works

The way term life insurance works is pretty simple: You pay premiums, and if you die while the policy is in force, your beneficiaries receive a death benefit. The death benefit is the amount of money that your beneficiaries will receive from your life insurance policy if you die while it is active.

The size of the death benefit depends on how much coverage you have. You can choose how much coverage you need, up to the maximum limit set by the insurer. Term life insurance is one of the most basic and essential types of life insurance. It is important to understand why you might need it and how it can help you at different stages in your life.

Most people choose to purchase term life insurance when they have young children or other dependents. This type of insurance provides financial protection in the event that the breadwinner of the family dies. The death benefit can be used to cover funeral expenses, pay off debts, or provide for the needs of dependent family members. Term life insurance can also be a good choice for people who are nearing retirement age. If you die unexpectedly, your term life insurance policy will pay out a death benefit that can help your loved ones cover any final expenses and debts

Boise Term Life Insurance Quotes

When you're shopping for a term life insurance policy, you'll want to consider the options and costs carefully. There are a few things to keep in mind when you're looking at policies:

• What kind of coverage do you need? You'll want to make sure that the policy covers all of your needs in terms of death benefits.
• What's the term length? You'll want to choose a policy that fits your life stage. If you're young and healthy, you may want a longer-term policy. If you're older or have health issues, a shorter-term policy may be better.
• What's the premium? The premium is the cost of the policy, and you'll want to make sure that it's affordable for your budget.

When you’re ready to purchase life insurance, term life insurance is usually the best place to start. It’s generally the most affordable type of life insurance, and it can provide the coverage you need for a specific period of time.

If you have a family or other loved ones who rely on your income, term life insurance can give them financial security if you die. It can also help pay for final expenses, like funeral costs and any outstanding debts you leave behind.

Term life insurance is a great option for many people, but it’s not right for everyone. If you’re not sure whether term life insurance is right for you, talk to an insurance agent who specializes in life insurance. 

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Original post here: Term Life Quotes & Rates - Boise Life Insurance

American General Review - Boise Life & Health Insurance Agency

Quick Review AIG Term Life Insurance 

Hey, Boise, this is Chris with Boise Health and Life Insurance Agency .

Hey, so today we're going talk a little bit about American General Life insurance company.

They are one of our favorites to work with. They've been around for a long time. A-rated company.

They are just a quality company. They've got some pretty interesting products when it comes to term life insurance.

So I'm gonna take you here to the website. And here's our home page here. Of course, Boise Health and Life Insurance Agency.

We do health insurance as well. Not always me, but one of our great agents can help you out if it's not me. So you come in here and right here you go toe life insurance quotes come down and view some of the other products that we offer. Just click on this here, and it's gonna take you to our online term life quote engine.

All you do is coming here, by the way, folks. The whole thing about what we do here is we're not your average, typical pushy agents. So you want to come in, get some quotes, think about it. You reach out to us. When you need help, I get it. So we'll come in here. You just type in your first and last name next. Male or female. Now here's your health. Here, this is pretty significant to know you want To.

I would say be a little bit more cautious or you know, the five hearts. Very few people get that before hearts. Very few people. I'm not saying they review it, says 20% applicants get it. But if you're overall good health, you can just get this one right here, the third heart.

And if you get a better rate, the company will give you a better rate class. If you come in from underwriting healthier than what you applied for, they will give it to you. And the reason for that is they want your business. They don't want you shopping around or do anything.

They want your business on the books and make a lot of money doing this so they will give you a better rate class. We see it all the time. Okay, So the three hearts, uh, if you use tobacco smoking, chewing patches, vaping, that's all considered tobacco. If you smoke cannabis or take edibles that are considered tobacco rates. Okay, so just be mindful of that for me. Here, put in your height than our calculator will help.

Try and figure out what was classy. You're gonna fit in just based upon your height and weight. And I'm just gonna put in here. Uh, I'll put in something close to my age. Let's see, let's do a 40-year-old. I'm not 40 by the way. I wish I was and then comes here and what the calculator does, It defaults on the $1,000,000. Now, folks, when it comes to how much coverage you need, there's a rule up 10 times your annual income.

If you're making $100,000 year, 10 times, obviously 1,000,000. But the reason for that is it's just a good rule of thumb. It replaces your income. Let's say you're the breadwinner in the family. It replaces your income for 10 years. Your family can invest that money or use it to get back on their feet and get things figured out.

We also have a nice little calculator here that will walk you through taking into account all of your get and future funding coals, Um, which is nice too if you need that.

So I'm just going to do a sample. $500,000. Just slide that there and it will. Recalculate showing you 10 15 2025 30 35 40 years. What's available? So we have a 40 available year term, which is fantastic. So that that could take this 40-year-old, uh, male nonsmoker out to age 80 for $154 a month, which is fantastic.

So once you select So you just need to figure out here which one you're thinking about the most popular product. To be quite honest, 40 year old is probably gonna be a 20-year term unless we have other things that we're planning for. So we're just gonna go here. Keep this quick. I want to keep this video pretty quick today, So just put in your email.

As I said, I am going to get a notice that you did come in and get a quote. But don't worry, we're not gonna pester you here. We might reach out once and say, Hey, did you get your quote? If you have any questions, yes. Or now and then will kind of leave it at that. So and then up, pops. Are companies from the best monthly premium the least expensive to the most expensive.

And you can just scroll down here and look at these. Uh, it's kind of nice. We always put the one best upfront on. And then we show you some of the other companies with some of the special features typically of underwriting or the product. So, uh, Pacific life is just a preferred company. They do some express underwriting the principal life. I worked with them a lot.

No exam is required, depending on how you answer the health issues. So when they say it's not required, it's It is a simplified issue. It's not a guaranteed issue. John Hancock so a lot of companies are going toward this model. They someone's in fairly good health. They don't need to order. Excuse me? They don't need to order your medical records and everything.

They just can get a lot of information from your prescription drug records. you're just the interview that you do blood and urine if they even need it, depending and you're driving history. So they hit the MIB. Which is great for you because it can speed up the process. And a lot of times, if you don't have to go through, uh, an interview with the nurse or get blood in urine done, that's fantastic, too.

But we're talking about AIG. Today Banner came up that, at the least expensive 48 44 exam days was required. Now we come down here AIG is coming in at 48. So these are all coming, right? The term life companies are very competitive with each other. Ah, almost any quote that you'll look so it will come down to several different issues underwriting if it's a no exam or not Uh, your personal preference.

This is about American General because I know a lot of people ask me about it. They hear about AIG. They're one of the largest life insurance companies in the world. And let's take a look at it. So we are here 48.00 just a few cents more. You can click right here, show policy details, and I will tell you a little bit of a little bit more about the policy.

So tells me here my height I cannot exceed 263lbs for this rate class, so I could probably maybe go up tells you about conversion. Conversion is a very important option on a term life policy and where we see it used the most. And probably the most important aspect of this is if you get a term life policy and then you have a major health event and let's say you were uninsurable after that event or your health is declined.

Conversion options give you the option to convert it to a permanent policy before a specified date. It's usually this one here says It's, I think it's age 70 here. Yeah, age 70. So you have to do it prior h 70. That's the last age that they let you convert. So what conversion are you go from a term policy at the rate class that you qualified for?

Convert that to a permanent policy that will last longer now, at your attained age, so it's gonna cost more. Be for two reasons. It's an It's a permanent policy if you can design it to stay in force your whole life. That's one reason bait costs more. The second reason is depending on how long you have your terming force. Your age goes up, someone is your age goes up. So do rates on life insurance.

Because immortality so but very important option. Sir, there is a product guy right here. You can just download that. I will have this on the website as well. I'll have it on the website where you can just download that and you can switch to an annual course and you'll save a couple of dollars. So 569 a year I think it's, uh, comes down to about 12 $13 a year.

So anyway, that is American General. We highly recommend them. Get a hold of us if you need help. If this looks good here, you can simply come right online and apply for insurance. And you can elect traumatically sign the application right on like we make this as easy as possible.

But of course, we are here local if you need help. Well, thank you and have a great day

Why Work With An Insurance Agent Such As Chris Antrim

When you work with an insurance agent, they get to know you. They learn about your family, your job, your hobbies, and your goals. They use this information to find the best insurance coverage for you.

An insurance agent can help you find the right life insurance policy, health insurance plan, or auto insurance coverage. They will take the time to understand your needs and find a policy that fits your budget.

Working with an insurance agent gives you peace of mind knowing that you have someone on your side who is looking out for you. When it comes to making important decisions about your finances, it’s good to have someone on your team who knows you and has your best interests at heart.

An insurance agent is someone who can help you navigate the process of choosing and buying insurance. A good agent will work with you to understand your needs and find the right coverage at the best price. Here are a few reasons why it makes sense to work with an insurance agent. 24/7 Availability An insurance agent is available to you 24 hours a day, 7 days a week. If you have an emergency, your agent will be there for you. Insurance agents are in the office Monday through Friday during regular business hours.

There are many reasons why people choose to work with insurance agents. An insurance agent can help you find the best coverage for your needs, answer any questions you have about your policy, and help you file a claim if you need to. They can also offer advice on how to protect yourself from future risks.

Thanks For Watching Our Video!

Original post here: American General Review - Boise Life & Health Insurance Agency

Quick Tips When Applying For Life Insurance

Hey Boise - Quick Tips When Applying For Life Insurance

Hi Boise, Chris with Boise life and health insurance agency here today. Today we're going to be talking about a few tips to help you buy a life insurance policy .

It can be stressful and a huge headache to purchase life insurance because of everything that you go through like the medical exam Etc. But we will help you with simplifying the whole process.

First, determine how much death benefit coverage you may need. Look at your total debt, final expenses, college funding, and business loans. 

Also, a good rule of thumb is ten times your annual income. We have a calculator on our quote engine to help you figure out how much coverage would be appropriate. 

If you have hobbies or a hazardous occupation your rates could be affected by the premium. Please get in touch with us as we can shop the market for the best rates before you even apply. This will save you time and frustration in the process. 

Examples would be private or commercial pilots, scuba divers, race car drivers, and hang-gliding as an example. Also, foreign travel can be an issue. 

It's super easy to buy life insurance these days. You can go right online and many national companies can help you. But we are local here in Boise and work with all the major carriers. Knowing that I suggest working with us and we will take very good care of you. 

So when it comes to getting the exam. Some tips, first you want to make sure you fast the night before or at least 12 hours before your exam. We recommend that you have your exam first thing in the morning on an empty stomach and try to limit your fluids to water or straight black coffee if you have to have it.

Just a short article and video for you today. Don't let the hassle of getting a life insurance policy stop you from getting this done! 

Our agency will walk you through the whole process and make the experience easy and seamless. Call or send us a message and we look forward to working with you! 

Boise Life Insurance

When applying for life insurance, there are a few things to keep in mind in order to get the best rate possible.

• First, be sure to shop around and compare rates from different companies. It’s important to find an insurer that’s reputable and has good customer reviews.
• Secondly, consider your needs and how much coverage you actually need. There’s no point in paying for more coverage than you actually need.
• Lastly, be sure to disclose any health conditions or risk factors truthfully. If you withhold any information, it could void your policy entirely.

By following these tips, you can be sure that you’re getting the best life insurance rate possible.

The cost of life insurance is often a mystery to people. They know that they need it, but have no idea how much it will cost them. In this article, we will take a look at the average monthly cost of life insurance. We will also discuss some factors that can affect the cost of life insurance, just give Chris Antrim a call to help you out.

Original post here: Quick Tips When Applying For Life Insurance

Boise Life Insurance Agents | Sample Term Life Rates | Idaho 40 Yr Old Male

Sample Term Life Insurance Rates - 40 YR Old Male - Boise 

40s are the perfect time to adjust your life insurance needs before your premiums increase. As age is important to every insurance companies.

 Americans at the age of 40 are still in a excellent physical health, therefore life insurance coverage can be still affordable. As premiums depends on the overall health and age of the enrollees it is best to ask an broker or agent to help you determine the possible quotes for your age.

Life Insurance At 40

40s are the perfect time to adjust your life insurance needs before your premiums increase. As age is important to every insurance companies. Americans at the age of 40 are still in a excellent physical health, therefore life insurance coverage can be still affordable. As premiums depends on the overall health and age of the enrollees it is best to ask an broker or agent to help you determine the possible quotes for your age.

Hey Boise quick video today with sample life insurance rates for a 40 yr old male. Call the office or send us a note for any help you may need. Video above! 

Hello, Chris with Boise Health and Life Insurance Agency here in Boise, Idaho.

Hey, today we're gonna do a sample quote or a 40-year-old male here in Idaho for some term life insurance rates, and I'll show you how to do that.

You come to our site, go Idaho insurance dot com, and you can do it right from the home page.

There's a big get a quote, but in there, or you just come down here life insurance and you can send us a message.

You send us a message here.

If you don't want to do an online quote right here, get your quote online, and that will take you there.

There's a video here.

Just press the play here, walk you through how to do this.

But I'm gonna do it Here is well, and then you can get a quote right here.

Embedded in the website is our quarter.

Anyway, let's go ahead and here, and this will take you to a separate, uh, page in a link.

And we just walked through the process here.

Males, so your health is a big one here.

If your overall good health.

Just to be safe, you might want to go right in the middle.

That's a standard.

Plus, uh, this top one here.

Yeah.

Says here only about 10% of people who apply for that get that rating.

If you're an excellent help, no medications, no tobacco.

You could do that when there remember during underwriting.

Depending on the plan, these rates can change.

Nothing is final until the offer comes back from the underwriters.

 In this essence, I'm just gonna go right here.

Uh, if you use tobacco or cannabis, cannabis, and marijuana, they are to tobacco rates.

Just let that be known.

Um, you know, previously it will ask you how long, Because depending on the company, if you've been tobacco-free for up to 12 24 36 months, there are different ratings.

They're the best thing you can do is just quit.

If you're concerned about that, if you are a tobacco user right now, get the coverage when you quit.

And for the underwriting guidelines of how long you've been tobacco-free, we can apply for a rate reduction and get you taking care of their So, uh, for this purpose is I'm just going to put in there never.

I am 63 about 2 15 putting your date of birth.

So I think that should take me about 40. I am not age 40 right now, So this is where you just put it.

The basic information.

You're going to start getting some sample term life insurance rates Here. Here is our coverage.

Slider.

You just slide it This to the coverage amount that you want when you're thinking about how much coverage you need, we have a built-in life insurance calculator right here.

I'll walk you through.

But to be a good rule of thumb is 10 times your annual income.

And there are a couple of reasons for that.

One is just from a lot of underwriting standpoint.

The Underwriters will look at your annual income and 10 times is a good baseline there.

If you start moving past that with larger amounts, they're gonna ask you why.

And that could be for business reasons or some large debt or loans that you have.

Uh, but the rule is in the thought processes.

10 years will give your family or your loved ones in the business that you may own 10 years of that income to cover those bills and make sure everything's taken care of.

So and this could be changed.

So I'm just gonna put this at 500,000 for right now.

This gives a sample rate right here because he can kind of see 10-year term 15 2025 40. And right here it's clipped next, and it's going to come to when we click next, and it will come to this page here.

So you do have to put in your email and phone to move forward.

But don't worry, we do not bother you here.

We're just here to help part of what we do if you can get quotes and no one's gonna pester you, So, uh, just put that information in there and what's gonna happen is you're gonna have your quotes with the companies.

So this shows you the best at the actual rate.

Right now, this is important here.

This is a fully underwritten policy, so keep that in mind.

If you are shy of needles or not wanting to interview with the nurse when I want, there are other options for you but just to kind of show you, you can click right here on the policy details.

It will tell you a little bit about the product.

There's an actual product guy right here in a pdf that you can download and read at your leisure.

You can pay annually and save $12 a year.

Okay, And you can switch it to an annual premium there.

And it tells you, hear about what you're looking at as far as your build and your tobacco usage, so I could go up to 259 lbs at my height and get this standard plus health, uh, category assuming good.

Everything else is getting underway.

Okay, so now you come down here and you see these other companies right now there's this is what this one, this one was.

Most companies are gonna come in there.

They all compete for the same business.

So but there's a couple of companies in here principle being one of them, and Pacific life principle is there is not an exam required.

Now, what that means is you will do a phone interview based upon how you answer those.

They will be determined if you need a full exam.

Okay, So just says not required.

Does not mean it is a guaranteed non med product.

All right.

Not for these rates.

Alright.

What it means is, uh, if you come back with good answers on and it's a fairly healthy, uh, it's a fairly intense questionnaire that they ask you.

You may be possible that you do not have to go through a full exam.

Just just remember that, uh, and then Pacific life.

Okay, this one, the exam is but I like principle because if you can not have to go through that, that would be fantastic.

Uh, and principle is a good company.

I do a lot of business with them.

You say $12 tells you a little bit about the conversion, which is important because with term life that keeps your rates below at the beginning in level throughout the whole period.

So this would be a 10 years level, but you have conversion options And why would you want her?

Maybe convert with the biggest reasons why clients convert is there's a major health event and you know you can't get new insurance.

So if you've got this policy and force, you can convert it within those 10 years and walk in a permanent policy at the underwriting class that you got when you played for this term policy.

So it's a huge deal.

It is.

Every year you want to do a policy review anyway, that's that.

So we're looking at a 10 year for about 33 45 a month.

You come down here and you can switch this.

Let's say you needed it for those your 40. So let's say you want him.

You want this for 25 years to take you to age 65.  How it does change. So there's not principle. A see Your principal will have a 20 year, but they don't have a 25-year product.

So here's principal 48 again that's exams not required.

Pacific life yet so and so for me.

I probably go with the principal for that monthly premium and the option Maybe not having to go through a full-blown medical exam and then and all that means is ah, lengthy health questionnaire from the nurse on an online phone interview.

And then you would have to do blood and urine for laps for the underwriters.

Okay.

Uh, and then if this looks good, all you would do is apply right here.

You would simply fill out this information and click next, and I would walk you through filling out the whole application right online.

Very slick.

It comes to me, then an email comes to you where you can do an e signature and get the policy and the underwriting.

At any point in here, you can invite me or in contact me here so I can help you out.

We can get on the phone together and do a zoom meeting or Google meeting, and I can help walk you through completing this application.

So yeah, and then here's the link.

So you take that and you would email me that link and I get an email anyway, and then my contact information is here anyways, So that is what we're looking at for sample rates for a 40-year-old male for 10 and 20 years.

Give our office call with any questions and hope you're having a good day. Call 208-409-3382

You might to check out our next article about Boise Life Insurance Broker - Smokers Term Life Insurance Quotes - Chris Antrim - Tobacco Rates

Life Insurance At The Age Of 40 In Idaho

When it comes to life insurance, there is no one-size-fits-all policy. The amount of coverage you need and the premium you can afford will vary depending on your age, health, lifestyle, and dependents.

While term life insurance is typically more affordable than whole life insurance, your needs may change as you get older. If you have young children, for example, you may want a policy with a longer term so that your spouse can stay home to care for them if something happens to you.

Once you reach the age of 40, you may also want to consider investing in a whole life insurance policy. This type of policy not only provides death benefits but also builds cash value that can be used later in life for things like retirement income or long-term care expenses.

Factors Affecting Life Insurance Rates

The monthly cost of life insurance is an important consideration for anyone who wants to be sure their family is taken care of financially in the event of their death. Life insurance is not something that people like to think about, but it is a very important decision. There are many factors that go into determining the monthly cost of life insurance, including age, health, and lifestyle. The average monthly cost for life insurance varies depending on these factors, but it is generally between $50 and $100 per month. Life Insurance Rates

The monthly cost of life insurance is an important consideration for anyone who wants to be sure their family is taken care of financially in the event of their death. Life insurance is not something that people like to think about, but it is a very important decision. There are many factors that go into determining the monthly cost of life insurance, including age, health, and lifestyle. The average monthly cost for life insurance varies depending on these factors, but it is generally between $50 and $100 per month.

Thank You!

Original post here: Boise Life Insurance Agents | Sample Term Life Rates | Idaho 40 Yr Old Male