If you are in the process of shopping for life insurance for masons, we can definitely help you find the best policy at the lowest rates. Comparing life insurance plans can get a little confusing if you don’t have experienced people to help you. If you’re a member of the Masonic fraternity and you are shopping for life insurance for masons, keep reading. This blog post was specifically written to help masons get the best life insurance for the lowest premium.
I am proud to say that I have been a mason since 1976. This article was created to help my fellow masons find the best life insurance products at the lowest rates. I want to offer my services to my fellow brethren to help them quickly and easily find the best plan.
Life insurance should be carefully custom fit to each applicants specific needs & budget.
There are many new plan designs which can make shopping for a new life insurance policy a little confusing. This is especially true if you do not have someone walking you through your many new choices available. Finding the best life insurance quotes online can be easy with the modern quoting engines. Knowing what is the best plan design for you needs and budget is a little harder. Getting help from an independent agent who specializes in life insurance is another story. An experienced agent can easily help you secure the best life insurance rates.
We use over 40 of the most trusted life insurance companies to custom design the perfect policy. Low cost Term life insurance is the most cost effective and allows you to afford the proper face amount. Feel free to use our face amount calculator to help you choose the best death benefit to fit your budget.
Our quoting system provides folks with the choice of over 40 of the most highly rated life insurance companies. Everyone that purchases life insurance should receive the best plan design for their specific needs at the lowest premium possible. Purchasing life insurance should always be a smooth and simple process and that is our mission.
What kind of life insurance should I apply for, Term, Universal Life or Whole Life?
This is a very good question so we go down the list one by one.
Term Life Insurance – Is by far the most common type of life insurance sold in the United States. Term is and should be considered a temporary form of life insurance. It also has the lowest premium of all life insurance products. Term policies have specific term lengths of 5, 10, 15, 20, 25, and 30 years. They can also be converted to Universal Life which is a permanent form of life insurance. Term will normally be your best choice for life insurance by far. Just make sure you choose a long enough Term period so you don’t outlive the policy.
Whole Life Insurance – Is for all practical purposes a obsolete plan design. It is a permanent policy design that has been on the market for over 100 years. The cost of Whole Life is far to expensive when compared to the other choices for life insurance. It is still used for Final Expense Life insurance for senior citizens and sometime for small children. Many life insurance companies dropped it from their product lines all together. Check out our Term vs Whole Life comparison page for additional information.
Universal Life Insurance – This is an excellent product for someone who wants a permanent plan design but not the expense as they would with Whole Life. The Universal Life policies were intended to someday replace Whole Life insurance. Many people purchase a Term policy along side a Universal Life policy to create the best of both worlds. This means a comfortable premium and a lifetime of coverage. Universal Life works hand in hand with Term life insurance very well. This works our great for a younger person that finds a Term policies maximum term period of 30 years in not long enough.
No Medical Exam life insurance is a very good choice to consider.
If you dread the thought of taking a physical exam in order to get your life insurance. There is another plan design to consider that will put that worry the rest. With No Medical Exam life insurance, there is no medical exam just like the name implies. The turnaround for these applications can be as fast as 24-48 hours and your done. You can actually get some of the best life insurance rates with no medical exam. One of the companies we like to use is the Lincoln National Insurance Company. Normally the applications are much shorter, no medical records are requested and nurse coming over to take your blood. These plan designs work well and are definitely worth considering.
Life insurance rates like any other form of insurance rates are regulated by law!
There is no such thing as sales prices or sale discounts in the purchase of insurance. Premiums are regulated by law by your state’s Department of Insurance. All insurance agents go by the exact same rates that are published by the insurance companies. Nobody can sell for less than another for the exact same insurance product. We have an excellent track record of securing the lowest premiums for our applicants. This is usually done by using our comprehensive list of life insurance companies. Also, promoting the company underwriters to issue our applicants the best health classifications.
I want to make sure that you fellow masons secure the best plan design for your needs and receive the lowest rates.
It is very easy to make a mistake and purchase life insurance you may be unhappy with down the road. Even worse it could be your dependents that find your insurance is not performing as expected. Unfortunately many folks purchase life insurance and do not get the proper plan design for their specific needs. This is usually because they purchased their new plan and did not get the proper advice.
It is also very common that they were placed with a company that did not have the lowest rates either. Life insurance is not a one size fits all type insurance product. There is also a big difference between one carrier to another. A professional approach has to be taken to make sure you get the most bang for your buck. Having health conditions can make a serious impact on your rates and the company you should be choosing.
Activate our quoting system and compare life insurance rates from the most trusted companies in less than a minute.
Our consumer quoting system will provide easy to understand online quotes for Term and Universal life insurance plan designs. Universal life insurance is a permanent plan design that will last the rest of your life. Term life insurance is a temporary form of life insurance that remains in force for a specific period of time. You have to carefully choose your term period so you don’t outlive your policy and have a gap in coverage.
This is where we compare the 10, 15, 20, 25 & 30 years Term life insurance plan designs. Normally term life insurance has a conversion option which will allow you to convert the policy to permanent insurance.
Permanent insurance would normally be Universal Life or Whole Life plan designs. Make sure to compare the “Return of Premium” Term life insurance plan designs. These plans return all your premiums after the term period expires if you outlive the policy. You can find the best online life insurance quotes on our quoting system. Use it as much as you like, that is what it is there for.
Many people purchase life insurance for Masons but unfortunately purchase the wrong plan design for their specific requirements.
Life insurance is definitely not a one size fits all type of product. This is where professional guidance comes into play so no mistakes are made and the client becomes properly insured. You may have heard the old saying, “if you don’t know your diamonds you better know your jeweler”. This is similar with insurance of all types. Consumers are not expected to be insurance experts but the insurance agents and brokers are. At least the agents are supposed to be.
It is an agents obligation to make sure their clients are properly insured with the correct plan design. There are many variations of life insurance policies and purchased the right one is critical. The last problem you want to happen is to have your dependents have a surprise with your life insurance. At this point in time you would be gone and unable to help them. Having the peace of mind that your life insurance portfolio has been done correctly is very important.
Purchasing high risk life insurance works the same way. High risk life insurance is mainly for people with serious medical conditions. You can also consider life insurance with no medical exam as an option. Anytime you purchase life insurance with no medical exam it will normally cost more.
Friendship and loyalty to one’s fellow brother is what Masonry is all about.
After I was raised in my local Blue Lodge I went on to the Scottish Rite Cathedral and then to Medinah Temple in Chicago to become a Shriner. The one fact that always remained the same was very simple. Masons are some of the best people I have ever known. The feeling of loyalty and belonging to a wonderful fraternity was always intense. Where else can you feel this kind of trust but in a Masonic related institution such as these. It is unfortunate that all people in the world cannot have this kind of rewarding experience.
If you have any questions regarding life insurance for Masons don’t hesitate to contact us.
I am available to answer your questions 7 days a week with no obligation what so ever. Purchasing life insurance is a very important step and you want to make sure it is done correctly. Know all your options before you ever decide to apply. I wish all Masons the very best and don’t hesitate to contact me with any questions you may have. I hope you picked up some useful knowledge from this article.
Keep up the excellent work making our fraternity the great organization it is.
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