life insurance

Life Insurance V the Overweight

admin — Sat, 24 Apr 2010 21:00:59 +0000

It is no secret that adults (and more worryingly) children are weighing more and more, and in turn, costing the government more and more. It is estimated that obesity is costing the health service over 15 billion per year, not to mention what it is costing those patient’s employers, as obese people are statistically more likely to take time off work.
Even with all the relevant health warnings, the government still predicts that these figures will continue to rise, as obesity problems are becoming more apparent with children. This creates a Catch 22 situation; consumers will be refused life insurance because of their weight problems, while insurance companies struggle to find candidates that fit their criteria. The question is, do people feel that life cover is important enough to hand over such a big chunk of their wages?
Obese people (men and women), pay on average 33% more for their life insurance than those who fall into the ‘normal’ weight brackets, and some people are even refused life insurance. With the rise in obesity, theoretically there will be a fall in sales of life insurance, which brings both the consumer and seller a stale-mate. Surely, life cover prices must be brought down to cater for the inhabitants of a country whose obesity statistics may well take over America’s? It would be easy to say that this problem could be solved by the obese adopting more healthy lifestyles, but for the meanwhile, there is no getting round the fact that life insurance is extremely important to have, for yourself and those closest to you.
Most companies now offer a life insurance policy that would suit you. To find the right one it would be more beneficial to compare life insurance online, to find the best life insurance quote for you.

Life: how much is yours worth?

admin — Mon, 05 Apr 2010 01:40:56 +0000

I was once offered Y10,000 (approximately 50) as a reward by the father of a boy who I’d helped to safety after he got into trouble whilst swimming in a river. I did of course refuse his generous offer, but it did get me to thinking - how much is a life really worth?According to an online life value generator, my life is worth $731,000. The site asks for information such as age, salary and present health to calculate this figure. As no further explanation is given, it’s impossible to tell how exactly the site uses this information to come up with this figure, but it doesn’t seem like much.Another way of looking at life worth is by looking at the value of our possessions. In 2000, an American man listed everything he owned on eBay, from his favourite records to his set of false teeth. Naming his mission “AllMyLifeForSale” - bidding for each item began at $1 and the buyer would receive a brief history of the item and the goals of the project. In 2001 the auction closed and he then began stage two of the project; to visit his onetime possessions in their new homes. Whilst the total value was never revealed, he looked at this project as a way of quantifying the value of his material life.Many would advocate that it’s impossible to put any monetary value on life because, as unique beings, we cannot be replaced with a new model if we die. By this thinking, your life is of a different value to different people; to your friends and family, you are worth much more than to someone you’ve never met. One way of pinning a monetary value on life, is to look at how much extra people are paid for doing jobs considered more dangerous than average. Termed “danger money”, those who work in war zones or dangerous industrial environments are usually rewarded with high pay. For example, Western firms offer substantial sums of money to expatriate staff in Iraq to encourage them to work in the country amidst the current climate of suicide bombings, kidnappings, violence and unrest.Insurance companies are experts at calculating the monetary value of a life. This allows them to create a value for life insurance, the sum of money that your next of kin will receive should you pass away. Life assurance companies base their results on the number of years you have until retirement, your current annual income, the expected rate of inflation and your expected income growth. Using these criteria, they can calculate an approximate value of your life in terms of your earning power.So we see that there are a number of ways of looking at the value of life; by our possessions, by our emotional influence and by our earning power, but most people who had to put a value on their own life, would probably mark the tag “priceless”.

ArticleSource: ArticlesAlley.com

Life Insurance Cover Quote

admin — Tue, 02 Mar 2010 18:45:59 +0000

When you are looking for a life insurance cover quote, you have quite a few options, starting with the ways of obtaining a quote. You can fill out a brief application online and receive a quote literally in seconds. You can call a company or independent agent to discuss your needs over the phone.

Or you can walk in to any insurance company, even if you don’t have an appointment, and ask for a life insurance cover quote.

Just keep in mind that whichever option you pursue, a quote will only provide you with a baseline figure. What will really add validity to your life insurance cover quote is providing additional details about yourself, your needs, your goals, and your overall state of health.

In addition to the ways you can get a life insurance cover quote, you have several coverage options. In general, you can choose basic Term life insurance, you can get what is called Mortgage Insurance, you can get life insurance or mortgage insurance cover with a critical illness component and you can request a terminal illness option.

If you’re already confused, don’t be. Just read on.

A term life insurance cover quote is generally the least costly. You choose a face value for this basic form of life insurance and a time period during which you want coverage and based on your age, gender and physical condition, you’ll be given a rate.

If you decide to purchase this cover, your beneficiaries will receive the policy’s face value upon your death which they can then use as needed.

If you just want to make sure your family has enough money to repay a mortgage after you pass on, request a Mortgage life insurance cover quote. To be eligible, your mortgage must be a Repayment type.
This type of life insurance cover will provide your beneficiary with cash in an amount equal to the mortgage payoff amount should you die or be diagnosed with a critical illness during the cover term.

Critical illness may or may not be considered an additional cost when you ask for a life insurance cover quote so ask for clarification. A critical illness may not cause death, but it can cause you to lose your job.

Critical illness cover will pay you a lump sum should you be diagnosed with one of the covered illnesses during the term of your life insurance. The cover may have additional conditions so be sure to ask what they are.

A life insurance cover quote with Terminal illness coverage is different. A terminal illness option pays out the face value of the life insurance once you have been diagnosed with a terminal illness that’s listed on the cover. A terminal illness is defined as a condition likely to cause death within a 12-month period.

If you plan to shop around for a life insurance cover quote, it’s worth it to familiarize yourself with these and the other life insurance cover quote options that are available.

AccuQuote Explains the Cost of Risky Behavior When Applying for Term Life Insurance

admin — Sat, 23 Jan 2010 08:21:03 +0000

AccuQuote, a leader in providing term life insurance quotes to people across the Unites States, reveals the cost of life insurance for consumers who participate in risky behavior. The life insurance brokerage firm offers tips to help consumers find affordable life insurance coverage in spite of these conditions.

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“Keep in mind that as an adrenaline junkie you will pay more than the average consumer for life insurance, but don’t give up on looking for affordable life insurance coverage. It’s not out of reach if you do your homework.”

Wheeling, IL (PRWEB) November 23, 2009 — AccuQuote, a leader in providing term life insurance quotes to people across the United States, explains the cost of life insurance when consumers participate in what life insurance companies identify as “risky behavior.” The company offers tips to help consumers with risky lifestyles find affordable life insurance coverage.-

www.accuquote.com
“If you’re an adrenaline junkie who participates in activities such as bungee jumping, skydiving, or even occasionally using tobacco, don’t be surprised when your life insurance premium is higher than your neighbor’s. In fact, you may even pay two to three times more,” says Byron Udell, founder and CEO of AccuQuote. “However, by following a few tricks of the trade you can find an affordable life insurance policy that will work with your lifestyle.”

According to Udell, there are several steps an adrenaline seeking consumer can take when shopping for inexpensive life insurance coverage:

Do Research – By researching various life insurance companies and types of life insurance policies, consumers can determine the best fit for their lifestyle. Since underwriting guidelines vary among life insurance companies, consumers may find that one company will offer them an affordable rate based on their life circumstances while another may deny their application. Comparison Shop – After doing life insurance research, use an online multi-carrier brokerage firm to compare life insurance rates at top-rated life insurance companies. This type of company has exclusive access to the various underwriting guidelines at the life insurance companies they represent and can help consumers identify which company will offer them the best discount life insurance rate. Know the sport – Consumers should get certified and take continuing education classes in the risky activities they participate in. By being highly knowledgeable of safety regulations and appropriate practices of a sport or activity, consumers can reduce the cost of their life insurance coverage. Tell them everything – Even if someone only uses tobacco occasionally or plans to skydive once in their lifetime, they need to disclose these facts to their life insurance underwriters. Avoiding these details will not guarantee that you will get a better rate on your life insurance policy. In fact, if someone died as a result of a risky activity and they were not truthful on their life insurance application, their family could lose the death benefit.
“Keep in mind that as an adrenaline junkie you will pay more than the average consumer for life insurance, but don’t give up on looking for affordable life insurance coverage. It’s not out of reach if you do your homework,” says Udell. “Before settling with the first life insurance company that approves your application, be sure that you’ve done your research. It could save you a lot of money on your life insurance coverage.”

About AccuQuote:
AccuQuote helps consumers find the best values in term life insurance by combining instant online life insurance quotes with the personal service of unbiased life insurance professionals that can help answer questions, identify important issues, and make meaningful recommendations. The company offers consumers an extensive selection of life insurance options, including term life, whole life, and universal life, as well as selected annuities. The website has many handy insurance tools, including a life insurance needs calculator to help you figure out how much to buy, a glossary that explains industry terminology, a collection of articles that cover the basics about life insurance, and a blog which answer many questions about life insurance. For additional information or to get quotes for cheap term life insurance, please call 1-888-314-4455.

Term or Perm Life Insurance; What Are Consumers Buying

admin — Tue, 22 Dec 2009 09:36:01 +0000

InsureMe announces results from life insurance study.

Denver, CO (PRWEB) February 11, 2008 — InsureMe, an online insurance shopping service, announced results from a study that notes more shoppers opt for term life insurance over the permanent, cash-value choices.

According to data aggregated by InsureMe in 2007, 47 percent of their shoppers chose term life insurance compared to the 31 percent who chose permanent types of life insurance.

While more people are shopping online for insurance, life insurance appears to be a more complex product than other policies.

The findings also indicate that consumers are becoming increasingly uncertain about which type of life insurance to purchase. The percentage of people who have indicated that they were unsure which kind of life insurance policy they wanted increased from 16.4 percent to 20.7 percent over the last five years.

Both findings could be the result of consumer confusion when it comes to the often convoluted subject of life insurance, notes InsureMe statistician Peter Deusterman.

“While term insurance sells itself on simplicity and flexibility, permanent life insurance is anything but straightforward. So instead of delving into the minutia, consumers may be just settling for term life insurance,” Deusterman said. “While more people are shopping online for insurance, life insurance appears to be a more complex product than other policies.”

By definition, term life insurance provides life insurance for a set period of time (the term) and only pays a death benefit when the insurer dies during that period of time. It is usually purchased by people who are looking only for a death benefit– a way to ensure if they die, inheritors will be taken care of. The rates tend to increase as a person ages, unless a 'level term policy' is purchased. There are other variations to term life, but the gist is that it is a direct way to provide a payment to the designated beneficiaries. The purchase decision for someone getting term insurance would be to find the lowest premium with the highest payout desired.

Permanent life insurance, on the other hand, is much more than just a death benefit. Permanent insurance really should be considered a financial instrument that includes a death benefit payout, a tax savings strategy, and a savings plan. In essence, the plan for permanent life insurance should be designed to provide a death benefit payout (corresponding to the needs of insured) combined with a tax savings instrument that will provide the insured with an income stream in later years in life, usually at a lower tax rate. Because of the potential increased cash value and earnings associated with permanent policies, they are usually more expensive than their term life counterparts.

A Google search for “life insurance” will produce various, often conflicting, articles attempting to explain and simplify life insurance products, many simply telling consumers to choose the cheaper term policy and invest the savings. And while this is good advice for most people, permanent policies are a wiser alternative for some people.

Permanent life insurance can be likened to buying a treadmill: If you buy the treadmill, but it just sits in a corner and you don't use it, you've wasted your money. Thus, those planning on buying the more powerful permanent policy should be involved in planning how to get the most benefit from the policy.

So, who should take another look at permanent life insurance? Usually those who are searching for tax savings. People who can't utilize Roth IRAs, the tax-sheltered saving plan of choice, are good candidates. High earners frequently cap out their 401k contributions and are also good candidates for permanent life insurance policies.

Like any investment, a permanent life insurance policy requires some research on the part of the consumer. There are details in the policies to watch for. For example, a person would look for the no-lapse guarantee to ensure their policies will always be intact, especially with permanent life policies.

Shopping for life insurance online is a good way to get the process started but purchasing the actual policy might be best made with an insurance agent or financial planner to explain the benefits of each policy.

About InsureMe
InsureMe, an Englewood Colorado-based company., links agents nationwide with people shopping for insurance. For more information visit InsureMe.com, and check out the InsureMe insurance blogs to find tips for consumers, agents and affiliates.

Contact:
Lori Reed
720 548 6178

Life Insurance Quotes

admin — Wed, 09 Dec 2009 15:56:00 +0000

What differentiates a successful life from that of a failure? Obviously it is the wise choices that one makes in his life; this is what insures the life of the person and his dear and near ones. Life insurance is one of such decisions that are also one of the most controversial and misunderstood phenomena on the face of earth. Life insurance is of great implication in these days of financial crises when it is becoming more and more difficult to survive. It is the safety net that hedges you against the risks surrounding your lives on this planet. As people are educating themselves about insurance options so is evolving insurance industry as one of the fastest growing industries across the globe. Choosing the right life insurance policy is however, not a seamless task especially when there is an equal amount of misleading information on the very issue. The good news is that there is help available and you can deploy it for getting life insurance quotes while staying at your home! Internet has become of the greatest blessing of our times that provides every sort of information at our desktop in a matter of seconds like an omnipotent servant. You do not have to go from one insurance company to the other and then compare the life insurance quotes to find the one that is the best for you and your family. For most of the people life insurance means just paying the regular monthly premium as it is the obvious cash outflow. Life insurance nevertheless, is something more than mere premiums. It includes other factors that make an important consideration while preferring one insurance quotes over the other. Two important factors along with premium are the deductible amount and the benefits you receive at the time of maturity of your life insurance. Comparing various life insurance quotes on the basis of these factors is a daunting task at the part of an individual. And this is the idea behind BeamaLife that offers you online life insurance quotes as per your requirements. Licensed in all the 50 states BeamaLife life insurance specialists help you finding the right life insurance quote saving you all the paper and leg work; needless to mention the thousand of dollars you have to spend otherwise. BeamaLife specializes in various categories of insurance quotes like term life insurance quotes, universal life insurance quotes, disability insurance quotes, long term care insurance quotes and also retirement and college saving plans. Along with these BeamaLife is the only company that offers whole life insurance quotes on internet platform.

BeamaLife is your marketplace where all you need to provide is certain information to get life insurance quotes. It searches the top class life insurance companies and then the specialists analyze their offerings deploying the industry leading technology and advanced insurance practices to suggest the best life insurance quote that matches your criteria in terms of affordability and the coverage you need for your loved ones. The application process is quite simple and takes not more than a sitting to complete and the advice is on the way in the form of the best life insurance quotes!

Life Settlement Pros and Cons

admin — Wed, 18 Nov 2009 05:36:02 +0000

If you’re considering a life insurance settlement
there are a number of important factors to keep in
mind. Life settlements aren’t for everyone, so weigh
both the pros and cons.
A life settlement is the sale of an insurance policy, usually life insurance, to a third-party. In a life
settlement transaction, insurance policies are usually sold for more than the cash value but less than the
death benefit. A life settlement may be a good decision for some policyholders who no longer want or
need the policy. But, for others, there are some drawbacks. First, let’s look at the benefits.
Pros of Life Settlement
You receive a cash benefit from the policy. The primary reason that you would sell a life insurance policy
is to receive the cash from the sale. You may need the money to pay for more important expenses, like
health care or large debts. If you have a large life insurance policy, you may be able to sell part of the
policy to a life settlement company and keep the other part for yourself. Check with your insurance
company to see if there are any minimum policy amount restrictions.
You can receive relief from expensive premium payments. As you get older, the monthly cost of life
insurance tends to increase. If you are no longer able to afford your insurance premiums, you could take
a life insurance settlement, receive the cash benefit, and no longer be responsible for monthly payments.
The policy has or is about to lapse. A life insurance policy lapses when you
stop making payments. A life settlement company may offer you some cash
for the policy and keep it from being cancelled by resuming payments for you.
You can receive a cash benefit where you otherwise would not have received
anything because the policy would have cancelled.
Cons of Life Settlement
Your family members will not receive a death benefit from your life insurance.
Once you’ve surrendered the life insurance policy, the life settlement company
gains the death benefit. If you don’t have other savings or life insurance to
cover your debts and burial expenses, your family may have to pay those
expenses from their pockets.
The life settlement industry may be unregulated in your state. That means
life settlement companies and brokers have few rules to follow regarding
disclosures. Your state’s Insurance Department may not be able to provide
you with assistance if you have a complaint about a life settlement company
or broker.
There may be tax implications. Depending on the amount of premiums
you’ve already paid, your settlement amount may be subject to income taxes.
Any amount you receive over the cash surrender value is subject to taxation.
This is a significant consideration, as you may be sacrificing the potential
tax-free benefit payable upon death. Depending on your other income, the
settlement could push you into another tax bracket, increasing the amount of
income taxes you owe. Contact a tax professional for more information about
how a life settlement would affect your taxes.
You lose any benefits associated with the original policy including the ability to
borrow against the policy, cash out the policy, use the policy as collateral to
secure a loan, or leave a tax free death benefit to your loved ones.
You may be contacted periodically by the life settlement company to check on your health status. The life
insurance settlement company may require you to sign a waiver with your doctor or hospital allowing
them to release your medical information. Other third parties including lenders and investors may have
access to that information.
Life settlement agents don’t have to be trained or licensed in certain states. There are no federal laws
regulating life settlements. Not all states have laws regarding life settlement, so you may be left with little
recourse if a life settlement company takes unfair advantage of you. To find out whether your state has
laws governing life settlement, check with your state’s insurance department.
Should You Sell Your Policy?
If you’re considering selling your life insurance policy to a life settlement company, make sure you
examine both the pros and cons of the decision. If you get rid of your life insurance, you might receive a
cash benefit today, but make sure your family’s financial needs will be taken care of when you’re no
longer here. Here’s a tips how to do that: http://faceanewday.com/finance/

Why, How and When to Invest in Life Insurance Policies???

admin — Wed, 11 Nov 2009 05:11:06 +0000

When you decide to invest in Life Insurance Policies there are certain factors that you need to analyze prior to making the investment. The first is the policy you will invest in. When you visit Life Insurance Companies that offer you with a list of policies leaving you confused as to which one you should invest on. It is advised that you opt for the assistance of a Life Insurance Adviser to help you sort out a policy based on your needs, income and financial goals. Budget is also important. Depending on your income you choose an amount that you find affordable to pay as Life Insurance Premium. This payment is calculated on a yearly basis and is payable on a half-yearly to quarterly basis. All Life Insurance Companies demand that you pay your premiums on time. Failure to do so in the stipulated period will have the company confiscate you policy. The Life Insurance Premium depends on the kind of policy that you choose to go in with. When you choose your policy you consider all essential factors that cover you and your family: i.e. people who are financially dependent on you, so that in your absence they are financially secured. Such policies are referred to as Family Life Insurance. Life Insurance coverage is also to be taken care off. If you find the need to be covered through your entire life it is suggested that you opt for whole life insurance policies. In this case you will need to keep paying premiums through out your life. Once you decide to stop paying the premium and the policy the entire amount will be handed over to you. In case of death the amount is handed over to the nominees. The other type of policy that one invests on is a term policy, where you pay the premium is paid for a certain term which is known as the Life Insurance Term. On the completion of the tenure the amount with the dividend (depending on market conditions) is handed over to the beneficiaries or the insured. Another Major advantage of Life Insurance is that it acts as an excellent tax-saving instrument. Under 80c of the Indian Income Tax act any individual having an annual income of over Rs 1.5 lacs INR is liable to pay a certain percentage of his income as taxes. Having that amount invested in Life Insurance spares him from paying the tax. Not only that the dividend or interest that ends up at the end of the tenure of your policy is also tax saving. The Insurance sector has always been in demand since the financial regulation and economical boom that India experienced in the last decade. All major companies are coming out with plans to suit the need of individuals of all kinds right from the masses to the classes. The most prominent Life Insurance Companies in India as of now are 1)LIC, 2)ICICI Life Insurance, 3)Bharti-Axa Life Insurance, 4)SBI Life Insurance & 5) Aegon Religare Life Insurance.

5 Ways To Save Money On Your Term Life Insurance Premium

admin — Wed, 28 Oct 2009 13:15:59 +0000

Term life insurance is known as the cheaper alternative of life insurance than permanent life insurance. What many people do not realize, however, that term life insurance can actually be even cheaper than they may think. By following a few tips, when researching term life insurance, you can be sure to save even more money in your search for a quality life insurance policy.

Negotiate the Price of the Term Life Insurance Quote

Something many people do not consider when going through the process of looking for term life insurance is the art of negotiation. When people think of negotiation, they tend to think of cars and yard sales. They do not see term life insurance quotes as something that may be negotiable. You may not be able to get the perfect term life insurance quote that you’re looking for, but you may be able to negotiate a quote to a lower price. Even if you think a number is fair, you could still try to work it down a little. Life insurance, like anything, is something that you should get the best deal on.

Go Big to Save Money

Because of the way that rates and terms work with life insurance, considering a slightly larger life insurance policy can actually cost you less. Due to the way rates work for coverage, applying for a larger policy, such as $250,000 or $300,000, can actually cost you slightly less per year. It’s not 100% clear why this gets included into the details of how term life insurance companies calculate rates, which is another topic in itself. Just know that you should look into the options you have and get quotes for the different multiples of coverage to fully understand the best way to go. Read more about term life insurance rates at http://surigaobabe.blogspot.com/2008/05/life-insurance.html.

Don’t Necessarily Settle for Employer’s Term Life Insurance Program

A lot of times, companies offer term life insurance packages as part of a job benefit. While it is acceptable to keep the policy, you should probably be looking out for other term life insurance possibilities. Chances are, the life insurance that you’re getting through your work may not be the best for you. These policy rates are often across the board. If you’re in good health and have an overall good health history, you should definitely seek out separate life insurance coverage. You could possibly receive more coverage with a smaller payment. If you are looking for other options, you could consider the same company that your work life insurance coverage comes from. The provider may be able to help you find a better deal, and will keep the life insurance situation simple, by keeping it within one company.

Work With Your Health Issues

If you have health issues that will cause you to be quoted higher term life insurance rates, don’t be discouraged as there are companies out there who will not completely spike your yearly premiums. The trick is to find them. If you have an agent, have them help you in your search to find a company that does not raise premiums for a specific health issue. You may not be able to get as low of a rate as you would if you didn’t have the health problem, but you will at least be able to get something that’s more affordable. Learn more about term life insurance by visiting http://hovancikfamily.blogspot.com/2008/05/life-insurance.html.

Escape the Scam

There are many people who do not realize that getting scammed through life insurance is an easy possibility. There are other life insurance companies who are looking out for you. These reputable companies are willing to help out those who may have been scammed in the past. Look for companies that have been in business for at least five years and have quality websites that do a good job of answering your questions.

There are multiple things that you can do to make sure your term life insurance rates are as low as they can be. Even if it’s cheaper, there’s always a way to make it better.

Kiplinger's Calls SBLI's Whole Life Insurance “One of the Best Deals”

admin — Sat, 24 Oct 2009 23:15:58 +0000

Whole life insurance policies offer stability and tax breaks.

Woburn, MA (PRWEB) March 27, 2008 — The Savings Bank Life Insurance Company of Massachusetts (SBLI) is pleased to announce that its whole life insurance has been recognized as “one of the best whole-life deals,” by Kiplinger's Personal Finance. Whole life insurance offers great tax benefits and stability in today's volatile marketplace. SBLI whole life insurance guarantees substantial cash value after only one year, often at least 80 percent of your first-year premium while many other provider policies do not kick in until the second or third year.

“Life insurance is a great way to protect your wealth, and ensure that future generations will achieve guaranteed financial stability,” said PBS financial expert Jonathan Pond. “SBLI whole life policies give consumers an unbeatable value that will always be there when needed.”

Life insurance is a great way to protect your wealth, and ensure that future generations will achieve guaranteed financial stability

Along with its whole life insurance, SBLI offers top-rated term life coverage, children's life insurance, and annuities. SBLI's website www.sbli.com is a great resource for financial planning and features a collection of Jonathan Pond's easy-to-understand educational videos.

Kiplinger's Personal Finance is a trusted resource for personal finance advice, business forecasting, investing advice, and financial management tools.

About SBLI
Conceived by U.S. Supreme Court Justice Louis D. Brandeis, the Savings Bank Life Insurance system was established in Massachusetts in 1907. T he Massachusetts company is currently licensed in 17 states and the District of Columbia. Its products are now available through 200 financial institutions in New England; Plymouth Rock Assurance Corp. and Mt. Washington Assurance Corp. property and casualty agents; the Massachusetts and New Hampshire Societies of CPAs; and AAA Southern New England, AAA Merrimack Valley, and AAA Pioneer Valley.

In addition, the Company's products are offered to New Jersey residents through members of the New Jersey League of Community Bankers; to consumers in Virginia through an alliance with the Virginia Bankers Association; and to consumers in Tennessee through an alliance with the Tennessee Bankers Association. It is also endorsed by the Massachusetts Bankers Association.
Consumers may also deal directly with Savings Bank Life Insurance in California, Colorado, Delaware, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, North Carolina, Pennsylvania, Rhode Island, Tennessee, Vermont, Virginia, Washington, D.C., and West Virginia.

SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Life Insurance Company of Massachusetts, Woburn, MA, which is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc. 2008 All rights reserved.
For more information about SBLI's product offerings, please visit www.sbli.com or call 1-888-GET-SBLI.

Contact:
Matt Parquette
Commonwealth Creative Associates
mattp(at)commcreative.com
508-620-0191 ext 12