Over 50 Life Insurance

Seniors over age 75 need life insuranceGuide to life insurance for seniors over 75

for many of the same reasons as other policy holders. End-of-life costs and individual circumstances mean that life insurance for seniors over 75 is still an important purchase.

Use this guide to learn more about benefits and options for purchasing life insurance after age 75 and why an independent senior life insurance agent is key to making the process straightforward and successful.

What is the Benefit of Life Insurance for Seniors Over 75?

Although most seniors over 75 don’t expect to generate new sources of income, there are still compelling reasons for purchasing life insurance at this stage:

To provide for final expenses so as not to burden a surviving spouse or other loved ones with funeral costs.

To leave money for debt repayment.

To provide for a special-needs adult child.

To leave a tax-free inheritance to family members, friends or charities. Whereas direct inheritances are subject to estate taxes, insurance death benefits are usually not.

To replace an income stream for dependents.

And others.

If you do need protection to put your mind at ease about such concerns, you’ll likely have some or all of the following questions about the best and most affordable life insurance for seniors over 75.

How Much Life Insurance Do I Need?

How much insurance you need is a personal decision. Are you looking for a policy to cover only funeral expenses, or do you need to keep a spouse or family member financially afloat? Think about what problem this insurance is intended to solve.

Further, look at annual or monthly expenses, and outstanding debts, if you have any. These can give a rough estimate of your current spending and how much your dependents may need in future. Independent senior life insurance agents are also specialized and experienced in assisting with these calculations.

Whether you are looking for a small or large amount of insurance, you will have options.

What is the Best Life Insurance Policy for Seniors over 75?

The following life insurance policy types are available to seniors. Term life insurance may be considered as “temporary,” since it has defined start and end dates where the premium stays level. All of the other policy types are considered “permanent.” These policies do not change premiums or face values for your lifetime.

10 Year Term life insurance

Final expense life insurance

Graded final expense life insurance

Universal life insurance

Guaranteed issue life insurance

Term Life Insurance

Term life insurance for seniors has a defined time period where there is a guaranteed death benefit and premiums that stay level for the “term.” A paramedical exam is required as part of the application process. For younger seniors, this is the least expensive life insurance product available. However, the price difference between term and permanent policies is often negligible for seniors over 75.

Insurance carriers only offer 15- year terms for seniors 75 and older and 10-year terms for seniors aged 80+. (If you are considered a smoker, the maximum ages may be lower). If you live longer than 10 years, the policy terminates and you’ll no longer have life insurance. You may not have the opportunity to buy another policy and if you can get coverage, the price will be very expensive.

Term life may be a good choice if you only need coverage for a few years. Term life insurance is definitely not the right choice for seniors over 75 who want to prioritize final expenses or a guaranteed benefit no matter their age at passing.

Final Expense Life Insurance & Graded Final Expense Life Insurance

If your priority is to ensure that loved ones aren’t burdened with final expenses, you can purchase one of two types of final expense policies. Final expense life insurance is the only option if you require less than $25,000 of coverage.

These are whole life policies (meaning that they last for your lifetime) with simple, quick underwriting that requires no medical exam. However, the applicant must answer a number of medical questions, and the insurance company will check a prescription database and the Medical Information Bureau to confirm the answers.

Final expense policies offer coverage from $2,000–$50,000. (If you want more coverage, you need to purchase policies from multiple carriers). These policies can be fully in place within a day, and the face amounts and premiums remain the same for the life of the policy.

Final expense graded policies offer coverage from $2,000–$35,000, depending on the carrier (some only offer up to $25,000), and may cost more than “level” policies because the insured is determined to be a higher risk by the underwriter.

      “Graded” means that the policy phases in over 2–3 years. If the insured passes away due to any medical condition within the graded period, the beneficiary receives all premiums paid, plus interest (usually about 10%, although it can be lower). If death is accidental, the beneficiary receives the full payout of the policy (without interest). Some carriers may payout a percentage of the death benefit in year two and three for death due to a medical condition.

      After the graded period is over, and upon the passing of the insured, the beneficiary receives the full face amount of the policy (without interest), no matter the cause of death.

It's important to know that every carrier asks slightly different questions. This can mean the difference between approval and decline. An independent agent should be aware of the questions and help determine which carriers are more likely to approve the applicant.

Other types of permanent policies (with the exception of Guaranteed Issue coverage discussed below) require medical exams and full underwriting, so carriers have more information to assess the risk of insuring an older senior. Therefore, premiums for such policies usually cost less (per thousand dollars of coverage) than final expense insurance when the applicant is over age 75.

These complexities and considerations again illustrate why independent agents specializing in senior life insurance are indispensable to selecting the right policy at the right price for your needs.

Universal Life Insurance

Senior universal life insurance policies are also permanent, and provide flexibility with a number of attractive options. For instance, some policies have face amounts and premiums that remain unchanged for your lifetime. They can be designed so that the benefit does not accumulate cash thereby keeping the premium lower. The minimum face amount for universal life insurance policies is between $25,000 and $100,000 depending on the carrier and the state where the applicant lives.

Policies that offer such flexibility often come with full underwriting. Universal policies usually require a medical exam, which can include blood and urine tests, a cognitive exam, and EKG and the underwriter may also request medical records from your doctor(s).

As with final expense life insurance, there are several types of universal life insurance policies:

Guaranteed premium universal life policies (GULs or GPULs) can structure the policy for little to no cash accumulation. For this reason, they are usually the least expensive permanent policies available.

      GPULs can be guaranteed to age 121 (considered to be a lifetime policy) or younger. They most often start at a face amount of $25,000; however, in some states the minimum may be $50,000 or even $100,000.

Survivorship life insurance (or “second to die” insurance) plans cover two people in a single policy. The death benefit is paid after the second insured passes. Survivorship insurance is less expensive than two separate policies would be. Also, if one of the insured might be declined for an individual policy, they can often get this type of coverage together with their spouse or legal partner.

This is a common vehicle used to leave cash to children for paying inheritance taxes after the second parent passes.

Indexed universal life policies (IULs) have an investment component in the coverage that allows you to keep cash value in a fixed account (like a money market savings account) or to invest in an equity index account (such as the S&P 500 or the Nasdaq 100).

      The premiums, death benefit and cash accumulation associated with the plan can be altered as needed during the life of the policy. Although you cannot lose cash in an IUL, gains are limited. A “floor” is in place to protect your cash value, and a cap limits the gains allowed. This type of policy is for a more sophisticated investor.

Variable universal life policies (VULs) are for sophisticated, experienced investors. VULs are considered to be securities, and may therefore only be sold by a registered representative with a securities license. You can lose money in these policies, unlike an IUL.

Guaranteed Issue Life Insurance

Guaranteed issue (or guaranteed acceptance) life insurance is a type of final expense coverage. It is the easiest product for seniors to purchase. However, it should only be considered as a last resort, since it is the most expensive senior life insurance policy available. Guaranteed insurance is a product designed for seniors who cannot qualify for any other type of life insurance coverage.

Guaranteed issue policies usually offer coverage from $2,000 up to $25,000. There are no medical questions to answer and all applicants are accepted. However, this coverage comes with a “waiting period” similar to a graded final expense policy.

If the insured passes away during the first two years (some carriers require three years) of the policy, no death benefit is issued, but the paid premiums are returned, with interest, to the beneficiaries. If the insured lives past the two- or three-year period and the policy comes into full effect, beneficiaries receive the entire face amount (without interest) upon the insured’s death.

The good news is that everyone has at least one option for protecting their loved ones with a life insurance policy.

Are There No-Exam Policies for Seniors Over 75?

Some seniors don't want to wait the six to eight weeks it can take for life insurance policies that come into effect only after a medical exam. For others, such exams are invasive or uncomfortable. In particular, many seniors over the age of 75 may prefer or need to acquire coverage without an exam. Several no-exam senior life insurance options exist.

Many carriers evaluate overall health and risk factors from a medical questionnaire filled out by the applicant and agent. The questions are looking for serious health issues. They will verify the application using the Medical Information Bureau before making an eligibility determination.

Applicants who are or would be declined for fully underwritten coverage may qualify for final expense coverage, because of the simplified underwriting. This is another reason to talk to an independent agent, so you avoid a decline on your MIB file. (Some final expense carriers will not insure you for up to two years after a decline.)

No-exam plans are easier to secure and activated faster than fully underwritten plans.

The best possible life insurance policy is meant to be a safety net that will be there when your family needs it most; if you think acquiring a policy is urgent, a no-exam policy could be the right choice.

It is important to remember that no-exam policies still require applicants to provide some health information. Details about your general health, certain medical conditions and medications you take will play a role in determining your eligibility. The underwriter will either accept or decline your application. With no-exam policies, the choices are level benefit and graded benefit.

Seniors over 75 who are interested in no-exam policies will likely have a lot of questions about whether this is the right product for them. An independent senior life insurance agent can provide information quickly and clearly, as well as make recommendations about which companies are most likely to accept applications based on the applicants health history.

Why Should I Get a Life Insurance Agent?

As you can see, there are numerous alternatives in life insurance policies for seniors over 75. It's important that all seniors educate themselves about their life insurance options, and that they understand key terms regarding policies and application processes.

However, you don’t have to invest your own time researching answers to situation-specific questions, pricing and different insurance carriers. An experienced life insurance agent will quickly advise you, differentiate between options and have access to policy information that is not available online.

Hiring an independent life insurance agent is the most efficient use of your time and money, especially for seniors over 75, who often have unique needs. Independent agents are not employed by any one insurance company; rather, they have access to numerous high-quality carriers.

An experienced independent agent who specializes in senior life insurance is knowledgeable about the differences in applications, policy details, rating systems and underwriting requirements between insurance companies.

For seniors over 75, the small differences between carriers in application wording or underwriting guidelines can mean the difference between being approved or declined. A good independent agent will find policies for which you are likely to be approved because each carrier asks for slightly different information.

An experienced independent life insurance agent who specializes in senior life insurance is your greatest resource for explaining the options and getting you appropriate coverage as quickly as possible.

The Bottom Line

Life insurance for seniors over 75 is useful for protecting or providing for a family, leaving an inheritance and covering final expenses. An independent agent who specializes in senior life insurance is integral to understanding options and finding the best coverage at the best rates for these purposes.

These agents will save you time and money by assessing your needs and relevant medical conditions, steering you to carriers where you can qualify for insurance and helping you find the least expensive policy that meets your needs. Consulting an independent agent is well worth your time.

You are a young senior, just over 60. Perhaps you’re recently retired and have big plans to cash in on the hard work of many years. In your 60s, you’re vital, healthy and ready!

Of course, you will still want some life insurance coverage “just in case.” An appropriate policy will set your mind at ease about loved ones’ futures, should something unexpected happen. You hope to have a lot of years ahead, and the money to keep you comfortable through that time. So what type of senior life insurance policy should you get, and how much should you spend? This can be a tough question for seniors over 60.

A term life insurance policy covers you for a predetermined span of years. It can be a smart buy under the right circumstances. Your health, budget and coverage priorities are important factors when choosing a term policy.

Alternatively, some young seniors may find permanent (“universal-life” or “whole-life”) insurance a better buy. These policies generally come with higher premiums, and you may be paying them for much longer than with a term policy. However, certain policies have flexible underwriting, and most give you life insurance coverage for your lifetime.

Here’s everything you need to know about term life insurance for seniors over 60, as well as permanent life insurance options for seniors of all ages.

Term Life Insurance for Seniors Over 60

There are different types of term life insurance, but independent agents with expertise in senior life insurance policies usually recommend just one: level term life insurance. Level term life insurance has premiums and face amounts that do not change for the entire term period.

After the level term period expires, premiums rise considerably and become unaffordable. These policies are only intended to provide coverage for the length of the original term.

How long will you need coverage? That's the most important consideration in deciding whether a term policy meets your needs. These are the term options and how they apply to seniors:

10-year term- Seniors through age 80 can purchase a 10-year policy. Many carriers offer these policies. However, some carriers limit the purchase age to 70 or 75 years old for smokers.

15-year term- These are available for seniors through age 75. As with a 10-year policy many insurance companies offer such policies, but may limit the purchase age for smokers.

20-year term- Most insurance carriers limit the purchase age of 20-year policies through age 65, with smokers often seeing an even lower age limit.

30-year term- A 30-year term is not available for seniors over 60.

Applying for Term Life Insurance

Almost all term policies require full underwriting. This means applicants will take a paramedical exam that includes measures of height, weight, blood pressure and pulse. Blood and urine samples, as well as a complete medical history, are also required.

You can also expect your medical records to be requested. (At this age, insurance companies like to see you having annual checkups and following your doctor's advice.) If you have medical issues, the underwriter may order records from multiple doctors. When the carrier has all of your medical information, along with your application and exam and lab results, they will assign you a rating.

Carrier Ratings for Insurance Applicants

Insurance companies employ a rating system to assess applicants and determine the premium amounts applicants should be charged for their selected life insurance policies. (This applies to term policies and permanent policies.) An applicant’s rating is based on their medical history and current level of health, as well as some aspects of lifestyle.

Ratings are classified as follows, in descending order:

Preferred best or super preferred is the best possible rating, with the lowest premiums attached.

Preferred has premiums higher than for the best class, but still quite reasonable.

Standard is the third-best rating for many companies, although some carriers have a standard plus category between the standard and preferred ranks.

Table Ratings range from A (1) to H (8). These ratings use the standard rate and add a percentage to it (often 25%). So, Table A usually carries rates that are 125% of standard. Table H may land you with rates as high as 200% of standard or may be a decline.

Permanent Life Insurance for Seniors

If term life insurance policies aren’t the right choice for you, even as a young senior, you have a number of choices for permanent policies, which generally last through your lifetime as long as the premiums are paid. These are the products available for seniors:

Universal Life Insurance policies for seniors offer the least expensive permanent coverage and are very flexible. They can be structured to last your lifetime with no cash accumulation (Guaranteed premium universal life policies are useful for this purpose), essentially acting like a term policy for life.

Whole Life Insurance is a permanent policy that amasses cash value. Although you can borrow from that value, it may affect policy guarantees. You should understand the fine print and work closely with your agent before selecting or borrowing from a whole life insurance policy. These policies are generally more expensive than universal life policies.

Final Expense Insurance policies for seniors are small whole life policies. They have easier underwriting guidelines than universal or regular whole life policies. There is no medical exam or testing required. Many people who cannot qualify for traditional policies can still qualify for this type of policy. Face amounts for final expense coverage start as low as $2,000 and go up to $50,000.

Guaranteed Issue Insurance requires no medical information at all. All applications are approved. However, the face amount payout is phased in over 2–3 years. If you can't get approved for other coverage, this is your only life insurance option.

How to Decide Which Policy is Right for You

Now that you know your options, how do you choose between them? The key is to consider your reasons for purchasing a life insurance policy. The benefits that are most important to you will quickly help you decide on the appropriate product.

An experienced independent life insurance agent is also an invaluable resource when making such an important decision. Here are some examples of life insurance benefits and the policies that serve them best:

Covering final expenses (such as funeral costs)—A small permanent policy will suit if you simply want to cover final expenses so as not to burden loved ones. A whole life final expense policy is most likely your best option. These policies have face amounts from $2,000 up to $50,000 and they last for your lifetime. If you want more coverage, you can purchase policies from multiple companies.

Protecting a spouse—The most comprehensive coverage may be a universal life policy with no cash accumulation, but a number of factors come into play when considering coverage for a surviving spouse. Your age, your spouse’s age, the desired face amount, your current health, and the premium you’re willing to pay are just a few considerations. The best possible approach to getting the right policy for protecting your spouse is using an experienced independent agent who can walk you through the process.

Protect a special-needs child—If you have a special-needs child who will require life-long care, a universal life insurance policy may be the best, least-expensive choice. You require a policy that will last your lifetime and leave funds for your child.

Estate tax protection—You definitely need a permanent policy for this purpose, and it doesn’t have to accumulate cash. Such policies are particularly helpful to cover inheritance taxes for your heirs. If you and your spouse are both living, you should consider a survivorship (or second to die) policy. Both spouses are insured, but there is one payout when the second spouse passes. This leaves money for the heirs to use for estate taxes, so no property needs to be liquidated.

Mortgage- or debt protection—In this case, a term policy might be sufficient. For instance, if you only need enough extra money to cover a mortgage, you could certainly use a term policy. A level term policy (discussed above) will probably cost less than mortgage insurance. In mortgage insurance policies, premiums remain level and the face amount decreases. With a regular term policy, the premium is level, but so is the death benefit. It will leave your beneficiaries with some extra cash, and likely cost you less.

Other Considerations

This is where your age, health and finances speak up.

Age- Premiums are age based. The older you are, the more costly the policy. This is a good reason to apply when you are a young senior!

Health- With disclosure of relevant medical information, your agent can help determine if you might qualify for a term or universal policy. Generally, universal underwriting guidelines are a bit more lenient than term policies. Also, certain carriers have programs where they will improve a Table rating (up to Table 3 or 4) back to standard rates, which can save you a lot of money. An independent insurance agent—who works with numerous carriers rather than working for just one company—will know the rules and requirements of different policies.

Finances- You have to be comfortable with your insurance premiums. No one wants to be insurance poor! Your insurance agent can help determine the optimum policy to fit your needs and your budget.

The Bottom Line

Whether you're a senior over 60 who needs life insurance for 10 years or for your lifetime, it's important to fully understand your options. As a young senior, perhaps purchasing individual life insurance for the first time, you want the best bang for your buck and the best product to suit your needs. An independent life insurance agent is, without doubt, your best advocate for getting through this process quickly and effectively. Then, the open road is waiting!

Today’s seniors are living longer and healthier lives than ever before, and these active years mean it is easier now than ever before to get cheap life insurance for seniors. However, there are several important things to consider when shopping for the best life insurance policy that fits your needs and comes at a cost that won’t break your budget.

Don't Buy More Life Insurance Than You Need

As you get older, your life insurance needs change as your life itself changes. For instance:

      1. Your children become self-supporting.

      2. You don’t have as many financial obligations.

      3. You probably have a retirement nest egg.

      4. Your home may be paid off or close to it.

For these reasons and others, you don’t need as much life insurance as a senior as you did when you had a mortgage, kids to raise and college tuition to consider. An independent senior life insurance specialist can take a look at your current insurance coverage to determine whether you have the right amount of insurance for your current status in life. For instance, if you really only need life insurance that will cover your medical bills and funeral expenses, you may be able to dramatically reduce your coverage and the premiums you pay.

Don't Consider Group Life Insurance Policies

If you’re a working senior, you may be eligible for a group life insurance plan through your employer. These plans usually have lower premiums than individual policies, since many employers subsidize the rates.

However, group life insurance should never be a senior’s primary coverage. You could lose or leave your job; in some situations, seniors may be singled out during workforce cuts because they make higher salaries.

Buy a personal policy that will last as long as you need it, with a premium and face amount that will never change. The younger you are when you purchase it, the healthier you are likely to be and the less expensive the policy will be.

Some companies also allow you to continue with the policy after retirement (called “porting” your policy). However, the cost of ported policies is much higher than an individual senior life insurance policy. Additionally, many ported policies increase premiums every five years.

Compare Multiple Senior Life Insurance Quotes

Every life insurance policy on the market is reviewed by underwriters who take into consideration multiple factors when deciding whether to approve the policy.  

Some carriers offer better deals in order to be more competitive. When you want to find affordable senior life insurance, be sure to compare rates across multiple providers. The easiest way to do this is to consult an independent life insurance agency that specializes in senior life insurance. These agencies can offer different plans from several insurance companies, therefore getting you an accurate comparison between plans.  

LifeNet Insurance Solutions is an agency committed to expertise in the senior life insurance market. We have agent quote engines that review and quote many more insurance companies than individuals can find from looking online or through directories. Our licensed agents can also assess which type of policy will work best for your unique situation. We take the guesswork and anxiety out of the process.

Final Expense Life Insurance Products for Seniors

If you’re looking for cheap life insurance for seniors, whole life final expense policies may be an option. These policies have simplified underwriting, meaning you only have to answer some medical questions in order to apply.

These policies are offered in amounts ranging from $2,000 up to $50,000 of coverage, depending on the insurer. This coverage is easy to qualify for and can be in place in as little as a day or two.

If you are uninsurable for some reason, you can still get coverage that will cover end-of-life expenses and give your loved ones peace of mind. With guaranteed issue life insurance, seniors can get a policy no matter their health situation. Beneficiaries receive benefits when the insured passes away, but there are severe limits on how guaranteed issue life insurance policies are paid out. The coverage is limited in amount and you may have to wait 2–3 years before the death benefit is in effect. Such regulations keep the higher costs of this product (compared to other options) within reach for seniors.

Talk to an Experienced Independent Senior Life Insurance Agent

Senior life insurance rates can varyget the best rates for senior life insurance greatly between companies. How can you be certain to get the best rates? Here are all the facts you need to understand how to get the lowest premiums. 

Different Types of Life Insurance Available for Seniors

When comparing life insurance rates, you first have to make sure you are looking at the same types of policies. The following life insurance policy choices are available to seniors:

Term life insurance

Final expense life insurance

Graded final expense life insurance

Universal life insurance

Traditional whole life insurance

Guaranteed issue life insurance

If you are comparing a term policy (first on the list) to any of the other types of senior life insurance listed above (all permanent policies), you will find big discrepancies in the pricing. Term life insurance has premiums that stay level for a specific period of time. When you reach the end of the term period, the premiums increase dramatically and continue increasing annually.

Generally, permanent policies do not change premiums or face values for your lifetime. This is the main reason for the difference in cost between term- and permanent policies. Your goal is to find the least expensive senior life insurance product that meets your needs and those of your loved ones.

You can pay a wide range of prices for the exact same coverage. For example, if you are looking for a permanent policy with a value of $50,000, the array of premiums quoted by insurance companies will vary. You need to know that you are paying the lowest premium available for the senior life insurance product that is right for you.

The important pieces of information here are to be sure you are comparing the same types of coverage, the coverage will allow you to achieve your goals, and that you are getting the best value available.

Lowest Price Senior Life Insurance Policies

With its defined end dates—after which premiums rise considerably—term life insurance is the least expensive senior life insurance available, and it is a useful product in the right situation. A good independent life insurance agent can explain the many permutations and riders available in a term life insurance policy.

Permanent senior life insurance policies are listed below, in order from lowest cost to highest:

Universal life insurance (specifically a guaranteed universal life policy with no cash accumulation)

Final expense life insurance>

Graded final expense life insurance

Guaranteed life insurance

Although universal life insurance policies offer the least expensive permanent coverage, they do not work for everyone. The face value of such policies begins at $25,000, $50,000, or $100,000, depending on the state in which the insured resides. Additionally, this type of coverage requires a paramedic exam, including blood and urine testing, and some carriers may request medical records. This type of coverage takes, on average, 6–8 weeks from application submission to full coverage, if the applicant is accepted.

Final expense life insurance uses more simplified underwriting. Medical exams and records are not required, and the policy can be in force within a day. However, the applicant must answer a number of medical questions, and the insurance company checks a prescription database and the Medical Information Bureau to confirm the answers. The face amount and premium remain the same for the life of the policy.

Graded final expense insurance has the same application requirements as regular final expense insurance, but it costs a little bit more because the insured is determined to be a higher risk for the underwriter. “Graded” means that the policy phases in over 2–3 years (depending on the insurance company). If the insured passes away due to any medical condition within the graded period, the beneficiary receives all premiums paid, plus interest (usually about 10%, although it can be lower). If death is accidental, the beneficiary receives the full payout of the policy. After the graded period is over, and upon the passing of the insured, the beneficiary receives the full face amount of the policy, no matter the cause of death.

Guaranteed life insurance is the easiest product for seniors to purchase. However, you should only consider guaranteed life insurance as a last resort, because it is the most expensive senior life insurance policy available. It is a product designed for those seniors who cannot qualify for any other type of life insurance coverage. There are no medical requirements but, just like a graded final expense policy, guaranteed life insurance also has a waiting period of 2–3 years while the policy phases in slowly. The same rules for payouts apply, as well: if the insured passes away during the phasing-in, beneficiaries receive premiums plus interest or a full payout, depending on cause of death. If the insured dies after the policy is fully in place, the beneficiary receives the full value of the policy, regardless of the means of passing. Although this product is more expensive, the good news is that everyone has at least one option for protecting their loved ones with a life insurance policy.

Why Choose One Senior Life Insurance Company Over Another?

Once you’ve chosen the senior life insurance product type and policy amount that are right for you, you can get a quote for coverage. So, why not just choose the least expensive policy available that fits your parameters? There are several reasons.

Most important is that every life insurance company has slightly different underwriting requirements. An applicant may be approved by one carrier and declined by another, for reasons that are simple, transparent or completely incomprehensible.

If an applicant goes to the internet and simply chooses the insurance company with the least expensive rates for their chosen senior policy, the applicant may not be accepted. Once a decline is on your life insurance application record, you can be prevented from getting coverage from some final expense carriers for up to 2 years. That’s not a risk not worth taking, especially for seniors who are anxious to settle affairs and spend worry-free time with their loved ones.

This is why an independent senior life insurance agent is so valuable. A knowledgeable senior life insurance agent represents many insurance carriers and is aware of the differences between them. Once you speak to an agent and explain your needs, as well as your pertinent medical history that carriers may examine, the agent can quickly narrow down options, explain the variations in application rules and rates across companies, and help you choose a carrier that you can afford and depend on.

The ultimate goal is to find you the best rate on your preferred product among the companies that are most likely to approve you. Life insurance can be easy to purchase with help from an independent agent.

Get the Best Senior Life Insurance Rates

Now that you understand the different senior life insurance products that are available, as well as how and why rates vary between insurance carriers, you are ready to speak with confidence to an independent agent about your life insurance needs. A good agent will help you navigate the maze of senior life insurance options and will get the best rate for the insurance policy that is best for you.

These experts know how to make the process of getting life insurance straightforward and anxiety free so that you can move into your happiest years with surety, knowing that your loved ones are taken care of.

As parents and grandparents in their 60s, 70s, and 80s age, younger family members face uncertainty about funeral costs and accompanying expenses. Fortunately, senior citizen life insurance policies can remove these burdens. Here’s how to simplify purchasing life insurance for seniors.

Talk to Your Parents About Life Insurance

You cannot purchase a policy for someone without their signature, so discuss insurance with loved ones. Sometimes, even elderly senior citizens have never faced the reality of end-of-life costs. This necessary conversation may not be easy, but seniors usually do not want to worry their families with final expenses.

Understand Senior Life Insurance Policy Options

The three main types of policies are:

Term life insurance

Universal life insurance

Whole life final expense insurance

Term life insurance is a good consideration if your parent or grandparent needs coverage for a specific time period. Premiums are affordable, with a variety of term lengths. Term life insurance can be good for Baby Boomers who only need short-term coverage.

Universal life insurance offers permanent coverage with level payouts and premiums, but requires full underwriting, including blood and urine tests for risk assessment.

Whole life insurance policies - especially final expense life insurance policies for seniors are easy-to-purchase, with simple underwriting and approval . They require no medical exam, but applicants must be able to answer “no” to all medical questions when enrolling.

Guarantee that Even Ill Parents Get Coverage

There is guaranteed issue life insurance for seniors who are ill or have pre-existing conditions. All applicants are accepted with no medical underwriting. These policies are available for seniors ages 75–85 in most states.

Know How Much Insurance You Need

Funerals in the United States start at $7,500+, while cremation is less expensive. Families sometimes need additional funds for medical bills or other debts. Final expense life insurance program payouts vary, ranging from $2,000–$50,000. An experienced senior life insurance agent can explain options, restrictions, and costs.

Find the Best Price for Life Insurance

Getting an online life insurance quote is easy, and may offer tempting rates for Baby Boomers and seniors. However, these quotes cannot confirm whether an applicant is likely to qualify for the policy. Hiring an agent to explain and advocate for you will save time and money.

Consult an Experienced Agent from a Senior Life Insurance Agency

The most efficient and cost-effective option is to work with an experienced, independent life insurance agent who specializes in policies for senior citizens. Here's why:

These agents can access many more companies than an individual, and they will find the lowest cost carriers for your needs.

An agent will know which companies work better for different medical conditions so that you are more likely to be approved.

Some coverage starts on Day 1 of the policy, while some benefits are phased in over 2–3 years, usually because the applicant’s health history. Your agent can explain the specifics of coverage phases.

An agent will help you correctly complete application paperwork to speed up approval.

You want a strong, established insurance company where your parent can qualify for coverage based on their health history. An experienced, independent senior life insurance agent—with no vested interest in particular companies—can lead you to the right product and carrier for you.

Take the First Steps

Choosing a life insurance policy isn’t as simple as it seems because there are various policies available. Here’s a guide to the various life insurance options.

Did you know that 37% of Americans don’t have life insurance? Many believe they can’t afford it. But if you know your options, you might think differently. You should also realize that having decent life insurance can actually make you healthier.

How Life Insurance Affects Your Health

Life insurance is purchased to protect your family if you pass away. It isn’t the same as health insurance, which covers your medical costs while you are alive. However, this doesn’t mean that life insurance can’t have surprising health benefits.

Polls have shown that one of the biggest reasons people are stressed is that they worry about how their family will be provided for if they pass away. This stress causes a toll on their lives, which can cause other health problems. The good news is that having life insurance limits this stress and can help them be healthier.

Dina Constantinou, an insurance industry veteran with 20 years of experience, discussed this on Quora.

“Life insurance offers peace of mind. If one considers that equivalent to stress relief, then yes, it does. It provides individuals with the comfort of knowing that their loved ones will be taken care of in the event of their unexpected death. At the very least, it ensures the next of kin will not be stuck paying for funeral costs and final expenses out of their own pocket. I would imagine that does relieve some amount stress for most people.”

Life insurance is one of the most affordable insurance products on the market. In fact, buying insurance of any kind can be a positive experience with the right preparation.

If you know your options ahead of time and have a good plan in place, it’s actually easy. Easier than choosing the outfit you’ll wear to your sister’s wedding next month.

READ

Why Buying Life Insurance is a Must, Even If You're Young and Healthy

Here’s our comprehensive guide to the life insurance options available on the market today.

Life Insurance Options

Let’s talk about the three most common types: Term, whole, and universal. These three make up the backbone of the life insurance options on the market.

We’ll discuss the basics of each here. We spoke with some experts from LifeNet Insurance to learn more about the options. They gave a surprising amount of information that can offer you peace of mind when buying with them or any insurer.

Term Life

If you’ve ever filled out a loan application, you know that they ask for the cash value of life insurance. Which is really confusing to anyone who doesn’t know the difference between term life and whole life insurance. Either way, life insurance is a must for everyone, as no one can predict the future, and we all must prepare for the unexpected.

Term life insurance is the simplest product on the market. It carries $0 cash value. That’s right, if you’ve got term life insurance, feel free to write $0 in that spot the next time you fill out an application.

Even though it carries no cash value, term life is a great option for most. Why? Because the premiums are lower.

With a term life policy, all you need to do is pick how much coverage you want and how long you want it to last.

For example, you can buy a $350,000 term life policy that lasts 30 years at $50 per year. That means you’ll pay $50 per year for as long as you want the policy up to 30 years. At the end of the term, you’ll need to reapply for another policy.

No cash value, but easy terms and plenty of options.

Whole Life

If you’re looking for a permanent life insurance option, whole life is the way to go. With a whole life policy, your premium remains the same indefinitely. As long as you pay the bill, you get to keep the policy. You also need to be careful with the commissions of other plans, because they can be as high as 90%.

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Look Out For These Key Signs Of Healthcare Fraud Targeting Seniors

Whole life also accrues a cash value. Meaning the longer you pay, the more money it’s worth. If you decide to cancel the policy, you can cash in the value at that time.

The downside? It’s more expensive.

Like with our previous example, you can buy a $350,000 policy. It will have no end date and it will accrue a cash value over time. But it will cost you $500 per year instead of $50.

Whole life is a good option if you’re buying insurance early in life when you’re in good health and the premiums are lower. Or if you want something that’s going to last forever and don’t mind a higher premium.

Universal Life

Universal life is similar to whole life but more flexible. It also has no term, so it lasts forever. And it accrues a cash value.

The difference between universal and whole life is that you get to choose how much of your monthly premium goes toward the death benefit and how much goes to cash value.

In that way, you can ramp up the cash value if you need. For example, if you plan to take out a short-term loan using the life insurance as collateral.

Do Your Research and Plan Ahead

Basic life insurance options are not difficult to understand. All you need is to do a little research before you buy. Figure out how much you need and what type of policy you can afford right now.

There is no one clear moment in life that you realize you should invest in life insurance.

Over 60% of Americans have life insurance. But it’s safe to assume that the millions of covered Americans signed up at different periods in their lives and for different reasons.

There’s a common perception that as you age, it may be difficult or not even worth it to invest in life insurance. This is just not true. Sure, there are many reasons why investing while young is beneficial. Fewer risk factors mean lower premiums, and so forth.

However, even later in life, you can find a great life insurance plan that can suit your needs without breaking the bank. If you’re past your prime but still want to get life insurance, read on. We’ll walk you through the many reasons why it’s never too late to get covered.

You Now Have an Incentive

Young people generally don’t have any strong incentive to get life insurance. They are generally healthy, have no dependents, and are frequently single. That might be the situation you were in as a young person as well.

And depending on your age, that’s many, many months of paying for life insurance that you arguably didn’t need at the time. Even if your situation has changed in the present day, you can’t be angry at yourself for not paying for something you didn’t need at the time. Even at a better rate, all those years of paying do add up.

Knowing what you’re actually putting your money towards can help you feel better about the decision.

Support Your Loved Ones

Sure, life insurance will never be as cheap as it would be if you got it as a bright and bushy twenty-one-year-old. But your life likely looks a lot different now. One of the big benefits of getting life insurance later in life is that you have a better idea of your circumstances and your needs.

You didn’t know what your family or financial situation would look like years ago, but now you know. And it’s easier to plan for what you have directly in front of you.

If you have dependents, you can figure out how much insurance you would need to cover their well-being. You likely already have financing goals for your family, such as money you’re putting aside to send the kids to college. With this knowledge in hand, you’re better equipped to pick an insurance plan that meets your circumstances.

When considering life insurance, it’s also important to think of your spouse. If you were to die, would they be able to maintain the quality of life they were currently living? A smaller income may require your loved one to cut back on their retirement savings, but life insurance can cover day to day expenses and allow them to save up for the future.

Even if you’re later in life, you don’t want to leave your loved ones with nothing after your death. Their futures aside, deaths are usually partnered with expensive medical and funeral bills. With a life insurance plan, they could have cash in hand to handle these costs within a few weeks.

Other Benefits of Life Insurance

Protecting and providing for your loved ones is a highly important task. But there are other benefits to investing in life insurance in your later years.

Many invest in life insurance to help protect their estate from being gutted by taxes. If you run a successful business or have a high net worth, your estate will likely be subject to steep estate taxes upon your death.

These can be harmful to your family and those you leave behind, but can also serve to tarnish the foundation of what you built while alive. A life insurance policy can help to prevent the liquidation of assets and other such measures from being taken.

A life insurance policy can also help to leave behind a proper and lasting legacy after you’re gone.

Many policies allow the owner to leave an inheritance for children or grandchildren, perhaps for college or for the stability of their financial futures. Or maybe you want to leave a sum of money for your favorite cause or charity, and leave a lasting impression on the world in this way.

Whatever the idea may be, a life insurance policy can make it so. Even in old age, you can find a policy that helps to meet your goals as an individual.

Easier Than You Think

Many people think that once they reach a certain age that it can become near impossible to find affordable life insurance. Not true!

While it may be more costly or difficult, it certainly isn’t impossible. It may likely be even cheaper than you think. For example, a $250 plan is only $13.50 per month, barely more than the cost of your Netflix subscription.

If you’re older but have yet to show any clear health concerns or issues, you’ll still be able to find a good deal in the marketplace. Even if you have some health issues, it doesn’t have to be the end of your search.

Places like this website actually even specialize in helping older generations find insurance plans that suit their situations.

There are some life insurance plans that don’t require a medical exam to qualify. Even if you have suffered from an illness in the past, it doesn’t have to be a deterrent to finding a proper life insurance plan for your future.

With advances in Internet technology, it’s easier than ever to find and compare rates between insurance companies. You can better find a plan for you, no matter your age or situation.

How to Get Life Insurance in Old Age

There’s no age one reaches that outweighs the tremendous benefits and opportunities that life insurance can offer. Any age is still a good time to get life insurance if you want to support and protect the life you may one day leave behind.

Check out our blog for more helpful advice, tips, and tricks.

Redmond, WA, United States, February 12, 2015 /PressReleasePing/ - LifeNet Insurance Solutions released a free report today: Guide To Life Insurance For Baby Boomers. This new report reveals how to get the best value in life insurance coverage and what type of coverage is best for any circumstances.  Lenny Robbins owner of LifeNet says Â"For too long people have been in the dark on the costs and problems with various types of life insurance. This report helps to open the curtains on the industry and give non-agents the insights one won't find elsewhere.Â" Â"Many baby boomersÂ" Robbins says, Â"have been told by consumer advocates that term insurance is always the best choice, and permanent coverage should be avoided at all costs.Â" While this may be true, especially for young families with large insurance needs and smaller assets, baby boomers need to reexamine their priorities and make sure they're covered appropriately. This is especially true since many carriers have enhanced their policies with living benefits that have real value given the cost of long term care insurance as well as the need for cash in a medical emergency. Best of all, these benefits are free riders or incorporated into the policy itself, but have not translated into higher premiums. In fact, premiums have decreased in general as benefits have increased. For example, several carriers have recently incorporated a Â"return of premiumÂ" benefit into their permanent products which gives the owner/insured the right to cancel the policy at certain fixed times, so that if the protection is no longer needed a lump sum of cash is available instead of simply dropping the policy or trying to sell it through a life settlement. Remember, the educated consumer has the information necessary to make an informed decision when it comes to one of the most important financial decisions in one's lifetime. The report can be downloaded free at LifeNet Insurance Solutions website. About Lenny Robbins LifeNet Insurance Solutions was founded in 1991 by Lenny Robbins, and serves the Baby Boomers and Seniors insurance marketplace throughout the United States. For more information about us, please visit http://www.lifenetinsurance.com Press Contact: Lenny Robbins Lenny Robbins 11505 Eastridge Drive Ne (425) 214-4757 http://www.lifenetinsurance.com/

Expert Cat Tips For Owners To Follow

Cats may be animals, but so many centuries of serving as domesticated pets has spoiled them. Cats today have become much more sensitive to the wild than the rest of the animal kingdom. Fleas, ticks, and other critters can quickly and quietly become a serious problem if your cat is outside often.

Create a warm bed for an outdoor or feral cat by lining a box with a thick layer of newspaper or straw. We use straw that we bought at Walmart during Halloween. Find a pillow to fit the bottom of the box. Add a warm blanket. Place the whole box inside a dog house or under a porch where it can’t get wet.

START UP RECOVERY Co-Founder Gregg Champion recounts the story of waking up and hearing the Voice of God in a jail cell. Against every inclination, he did as the voice instructed and it set off a series of astonishing events that led to his recovery.

Let’s be serious, everybody wants to play the lead actor whether it’s the handsome lead male or a hot sexy lead female, the intelligent, inquisitive female journalist or the tough guy. Everybody wants to play the lead character however, not everybody is suited to those roles. Actors have variations in physical frame’s, differing physical presence and also by the way they look. This is particularly evident in the actors headshot market and actors should always shoot headshots that suit your character.

Common sense

It’s difficult to accept sometimes that you’re just not the romantic lead material no matter how fabulous you look in your headshot – the truth will be told when you walk into the casting room. However, once an actor accepts their castability and the kind of roles they can play and, have the common sense to shoot headshots that suit your character, they are much more likely to get more work within those roles. If a casting director see’s a headshot of an actor already in the character of the person they have in mind they are much more likely to take time to look at the headshot, like the headshot and put them on their list for yes. Or maybe or call you to audition. It’s simple common sense.

There are some headshot photographers who prefer to shoot a generic headshot, these generic headshots do have a use in certain cases. If you’re the kind of actor who can play those roles that is; a nice friendly guy or a pleasant mother etc., then a generic headshot is not a bad way to go. As it allows a casting director to place a character on you and it does not define you to a single specific type of role. On the other hand if you’re the kind of person who is only ever going to play the tough guy, the bouncer, a doorman or a thug. Then why would you as an actor have a headshot as a smiling friendly guy when in fact your character is somebody who is tough and threatening and menacing? A headshot in that type of character would look so much better and this is the crucial point – it’s much more likely to get the actor more auditions and more work. Alternatively as a female actress, if you’re the sort of actress who can play the cute girl next door then shoot a headshot that suits that cute girl next door persona.

Shooting Headshots For Your Character

Rather than trying go for an edgey character, that might not suit you at your particular age or facial development at the moment. Sometimes you have to accept the roles you can play and the roles want to play are not to the same as the ones you get cast for. They might not be the roles you dream of, but they are work and an actor. If this is you – it’s not a failure, it’s a positive thing. Accepting what you’re good at, and shoot headshots that suit your character as these will give you a much better chance of getting more auditions and more auditions generally mean more work!

You can read more about headshots here.

4x4 Bull Bar Pacific Pines Qld - 5 Reasons Why Fitting a Bull Bar Might be a Bad Idea

New laws are now in effect in parts of Australia that will determine whether or not you're driving around with a not legal automobile. But that may be a the least of your concerns. Especially if, what you have mounted in your 4x4 is a 5 pillar bull bar. Bull bars are a common accessory in many Aussie motor vehicles. They are fitted primarily for protection. Regular travellers to the bush will tell you how bull bars have saved their trucks from damage and themselves from injury when encountering critters while speeding down the outback roads. Apart from having to adhere to stricter laws come September 2019 when the Exemption period ends, there are 5 reasons why you should think twice before fitting a heavy duty bull bar on your 4x4.

1. How Bull Bars Affect Fuel economy

Some have complained that they noticed a reduction in their motor vehicle's MPG after having bull bars mounted. Having a large contraption such as a 5-pillar bull bar on the front of your truck can alter its aerodynamics, so you get more drag. It also restricts airflow to the intercooler. This can affect both performance and fuel economy.

2. Weight

How heavy are bull bars? In this case, some automobile customizations may be required like a suspension enhancement.

3. Pedestrian safety

No question, bull bars are a useful precaution against wildlife in deserted country roads. In urban streets, they pose great danger to pedestrians, bikers and other road users. Bull bars are produced to protect an automobile from impact when colliding with a large animal, but can cause very serious, even fatal, injuries to humans when they are hit.

4. Crumple zones Are Effected By Adding a Bull Bar

A motor vehicle has crumple zones located at the front and rear, created to absorb impact and collapse easily in the event of a crash. With a bull bar mounted, your 4x4's collapse zone may no work as effectively and the likelihood of injury is increased.

5. Airbags

An airbag is a very essential safety feature of our car. In fact, manufacturers have put a lot of effort in studying airbags to make sure they inflate correctly and at the right time. A bull bar, when fitted in a motor vehicle, can mess up the car's secondary restraint system, which airbags and maybe cause injury to the car's passengers. There are many 4x4s with Adaptive Cruise Control that will not work with a bull bar and will also void your insurance. Whether you are for or against the strict regulation of bull bars get the right advice from a reputable agent of MCC here  Phone Today to jump the Queue. (07) 3186 5729 Ask for a delivery time by Clicking here : https://carservicebiggerawaters.com/mcc-bull-bars/ This presentation contains images that were used under a Creative Commons License. Click here to see the full list of images and attributions: https://app.contentsamurai.com/cc/196523

You will find tools, pictures, and video about the art of survival. The world is a hard place and you may need this info. at any time. check out my facebook page for the info, you will need.

https://www.facebook.com/chosentsa/

A lot of individuals in today's society are in excellent financial obligation. The American way has actually relied on living beyond our means with credit cards. Almost anyone with any earnings can acquire a charge card, household loan or auto loan nowadays. The problem that this has actually produced is that lots of people go into default on their loans, or file insolvency, thus making them have an extremely bad credit rating.

It used to be that if you had poor credit you just had to merely dig yourself out over an extended period of time to reconstruct your credit. Today, nevertheless, there are many options for people with bad credit. There are many financial institutions that offer Bad Credit Loans. These loans are meant for people who score below par on their credit report.

The advantage to these Bad Credit Loans is, certainly, an individual can still have purchasing power after bad credit rating. The other reason bad credit loans are a helpful, is that an individual can use them to reconstruct their credit.

One of the biggest downsides to getting a bad credit loan is that typically the rate of interest is very high.

A bad credit loan is offered on auto loan, home loans and individual loans. Payday advance loan are also a type of bad credit loan that uses to advance cash to a person from their income.

One type of bad credit loan is a protected charge card. An individual needs to have a deposit in the card provider's bank for the credit line quantity. They normally have yearly fees, monthly fees or set-up costs, and are generally high interest cards. However, paid regularly on time, credit cards are an exceptional credit referral.

An unsecured charge card is another type of bad credit loan that offers you the power to purchase as well. These loans are through particular merchants and are also great in restoring credit.

How you can sell online also if you have no checklist- utilizing free Facebook traffic?

This video provides a review of the RAPID system of research, discover good tale angle, write promotional messages, give excellent incentive bonuses as well as to start promoting utilizing with free and also paid Facebook traffic technique. This is the introduction video of the 6 video training series on the best ways to sell online utilizing free Facebook traffic by Dr. Daniel Quek that is an internet marketing expert of greater than 20 years experience.

In this video series, you will certainly find out how to sell affiliate items online ever before if you have no list, utilizing free facebook traffic. The video series covers 5 significant subjects based upon the copyrighted RAPID formula by the leading Internet Marketer Michael Cheney:

Video No. 1: R- Research (Find the very best affiliate product from JVZOO to promote online).

Video No. 2: A- Angle (Find the very best angle to advertise your affiliate products).

Video No. 3: P- Promotional Messages (To create the finest marketing messages to advertise your JVZOO items online).

Video No. 4: I- Incentives (To provide the very best perks for your buyers online).

Video No. 5: D- Deploy (To start promoting your affiliate products in particular frequency).

Video No. 6: Full Implementation of the RAPID system to sell affiliate products from JVZOO.

We will certainly send you 1 video a day for 5 successive days. If you have actually not obtained Videos 1 to 5, most likely to this URL and also authorize up now: http://signup1.drquek.com.

After you subscribed, you will receive a special report for every video in the training collection.

These are just what you will gain from the 6 component video training course:.

1. We reveal you step-by-step the best ways to find the very best selling evergreen affiliate items on JVZOO.

2. We will certainly reveal you the best ways to obtain authorized by leading JVZOO suppliers also if you have absolutely no sales.

3. We will discuss to you why you require to adopt a different angle/theme to sell a product and just how you could do that quickly.

4. You will discover ways to write promotional messages that can get the interest of your prospects.

5. We will certainly reveal you just how to give effective emotional triggers for individuals to purchase through your web link by offering incentives.

6. You will figure out why an item walk-through video is one of the most preferred sort of perks, and the best ways to produce them easily yourself.

7. You will certainly discover how to advertise using paid traffic and also the advantages/disadvantages.

8. We will certainly show you step-by-step how you can advertise your affiliate products making use of free traffic from Facebook.

9. You will find out the do and also do not of selling on Facebook- you must involve your prospect instead of sell to them at all times.

10. We will show you exactly how to connect with your prospects on Facebook in order to sell them anything.

The training course is based on a tested advertising strategy by top Internet Marketers which I have actually applied the system myself. In the video training course, I will share my very own experience in executing the strategy. Where possible, I will streamline what I found out from him and also describe to you the pitfalls associated with doing points differently.

In the videos, I show you the shortcuts as well as techniques I discovered by hand, so you do not need to duplicate them.

The video training program program of 6 videos with the following titles:.

Video No. 1: How to Uncover Hidden Affiliate Commission Goldmines?

Video No. 2: How to Stand Out and also Hypnotize Prospects right into Buying From You?

Video No. 3: How to Write Promotional Messages that will Gain the Attention of Your Prospects?

Video No. 4: How to Provide Powerful Psychological Triggers for People to Buy via Your Link?

Video No. 5: How to Promote Using Paid and Free Traffic Methods?

Video No. 6: How to Implement What You Learned in Videos 1 to 5 to Sell Affiliate Products Online?

To obtain Videos 1-5 as well as the special records go to this URL and also join: http://signup1.drquek.com.

Video No. 1:.

This video reveals you just how to join JVZOO as an affiliate and also just how to hand choose the ideal selling evergreen products on JVZOO to advertise utilizing free traffic from Facebook.

In this video series, you will find out how you can sell affiliate products online ever before if you have no listing, making use of free facebook traffic.

How you can uncover surprise affiliate compensation found diamonds?

It is best to adhere to products in web marketing as it is the most lucrative. We will certainly show you exactly how to look for lucrative affiliate items. You have to utilize the item and also get, and also recognize the product yourself. For newbies we suggest "evergreen" items- items which you could sell throughout the year. In Video 6, we will certainly hand-pick the leading selling "evergreen" products for you.

Video No. 2:.

This video reveals you how you can pick the appropriate angle to advertise your affiliate items, to ensure that you will stand out and also "hypnotize" potential customers into purchasing from you.

The best ways to attract attention and also "hypnotize" potential customers right into purchasing from you?

It to possible to find existing item and also coming up with a different angle/theme to sell it. You could use the story telling method to construct inquisitiveness.

Ways to Pick the Perfect Angle?

1. The Product Angle- You acquired the item, utilized the product and getting great results.

2. The Attribute Angle- You could emphasize on a specific quality of the product e.g., exactly how you save time utilizing a particular item.

3. The Personal Angle- How you understand the product developer directly, to build your purchaser's count on the item.

4. The Money Angle- Example: "An 18 year old youngster makes $523 a day with this secret technique!".

Video No. 3:.

This video reveals you the best ways to create advertising messages for e-mails, blog sites, Facebook posts or tweets that can obtain the attention of your potential customers.

This video has to do with the best ways to compose promotional messages that could acquire the interest of your prospects.

An excellent message whether it is e-mail, article or tweet must have these:.

1. Subject Line/headline.

2. Opening Sentence.

3. Story.

4. Lesson.

5. Contact us to Action.

Video No. 4:.

This video reveals you how you can provide incentives to your leads to purchase from you using great rewards and also the best ways to find or create excellent benefits to provide away.

Offering Incentives Using Bonuses:.

How you can supply powerful psychological triggers for individuals to buy via your web link?

Solution: Offer a free perk!

Why most prefer product walk-through video?

Since prospects want satisfaction that:.

1. The product functions,.

2. They can get aid with the item, as well as.

3. And you bought the item too! (So the item needs to excel!).

Video No. 5:.

This video shows you how you can advertise your JVZOO affiliate products using with checklist technique and using free Facebook traffic.

You can utilize the Free Traffic Method on Facebook or Blog.

Tips on Free Traffic Method:.

1. You can use the messages you developed in Topic 3 earlier on your Facebook.

2. Make certain the content is correctly formatted for Facebook i.e., no line break.

3. Be careful of the messages you place on Facebook.

4. You can sell on Facebook, but do not do it at all times.

5. Put some messages on Facebook without a discount web link.

6. Do not place your affiliate web link in the message due to the fact that it decreases the reach, placed it in as a remark after you have actually obtained some remarks.

7. You have to always obtain interactive with remarks on Facebook.

8. Make use of the story telling technique to produce Facebook just posts (not constantly marketing).

9. You could put the very same messages on your blog as long-term method (to draw in organic traffic from search engines).

10. Concentrate on your Facebook buddies and followers.

11. Sign up with pertinent teams.

12. Comply with noticeable IM guru/experts as well as emulate them.

Free Traffic Using Facebook:.

Step 1- Add pals.

Action 2- Interact & blog post valuable stuff.

Action 3- Post advertising stuff.

In Video 6, you will certainly get greater than 70 carefully picked warm selling evergreen products on JVZOO. You will take pleasure in guaranteed approval as affiliate (even if you have no sales). You will obtain pre-written promotional messages for email, Facebook, blog site, Tweeter. You can download and install ready-made bonus offers to be distributed as rewards with your affiliate products. You will certainly discover the Free Traffic Method of advertising on Facebook. And also you will certainly receive a step-by-step, done-for-you overview on exactly how to sell online.

To signup for Video 1-5 go to: http://signup1.drquek.com.

In the video training course, I will certainly share my very own experience in carrying out the method. You must get as well as utilize the product, as well as understand the product yourself. For newbies we suggest "evergreen" items- products which you could sell all year round. In Video 6, we will certainly hand-pick the top selling "evergreen" products for you.

In Video 6, you will certainly obtain more compared to 70 carefully picked warm selling evergreen products on JVZOO.