BUYING LIFE INSURANCE TO COVER ELDERLY PARENTS
Insurance License Classes Online & Insurance Continuing ...
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AIT offers an online course university for insurance pre license training. Licensing is available for life and health insurance delivered online. Each state has it's .
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ABTrainingCenter.com offers a variety of insurance licensing courses and products to help you earn your life insurance license, health insurance license, .
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Term Life Insurance (for healthy seniors)
Key features:
- Medical examination required, to prove that the insured is in good health
OnLine Life Insurance Course Catalog for PBSC
Jan 25, 2012 . The courses have a linear design. You start and go straight through with occasional stops to check your progress. You complete each course in .
http://www.oltraining.com/fl_palmbeachstate/palmbeachstatelhap-l.html- Insured covered up to the age of 90 or 95 (depends on insurance company guidelines)
- Premiums increase towards the end of the Term
- Many seniors outlive the fixed term so look for a policy that can be converted to whole life insurance
- Consider purchasing Burial Insurance also, should the senior outlive the Term
Burial Insurance (for healthy seniors)
Key features:
- No medical examination required
- Insured person is covered for life
- Premiums are locked-in and do not change
- Moreover, cash value increases over time
- If the insured is healthy, then you receive full benefit the day after you pay your first premium
- Coverage cannot be canceled as long as you pay your premiums on time
- Proceeds can be used for burial costs and other end-of-life expenses
Graded Benefits Burial Insurance (for seniors with health problems)
Key features:
- No medical examination required
- Insured person is covered for life
- Premiums are locked-in and do not change
- Policy increases in cash value over time
- You typically only get partial coverage for the first two years, and the full insured amount only in the third year of the policy
- Insurance company cannot cancel coverage as long as you pay premiums on time
- Proceeds can be used for burial costs and other end-of-life expenses
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