Life Insurance Quotes?

We’ve all seen and heard the ridiculously low-priced rates for term life insurance. They’re not fake numbers but the reality is very few people actually qualify for the rates offered. The cost of life insurance is determined by two primary factors: Health and age, in that order.

Pre-screening Requirements

However, prior to a company considering insuring someone certain criteria needs to be met. There may be some variations and/or exceptions but most often the person: Must not be incarcerated; must not be in a hospital, especially on their death-bed; must not be on active duty in the military; must not be over age 85.

Evaluation Process

A person’s health is thoroughly evaluated by one or more underwriters. The evaluation usually includes a complete medical history and medications, occupation, recreational habits (skydiving is not usually considered healthy recreation), use of tobacco, alcohol, and drugs, height and weight, and possibly more depending on which company is evaluating.

After that, a person’s age is factored in relative to the health evaluation. The underwriters have a chart that an actuary has determined how long someone will live based on the results of the evaluation.

How Long?

Once a person’s health and age have been evaluated and determined by an insurance company, the next factor that needs to be considered is how long the insurance will be for: 1 year, 5 years, 10 years, 15 years, 20 years, 25 years, 30 years, or permanently (the remainder of life no matter how long that is).

You Bet

It’s important to understand the basic premise of insurance is it’s a bet. The insurance company bets something probably WON’T happen. The insured bets that something WILL or could happen.

Insurance Companies Know How Many But Not Who

Insurance companies already know they will be wrong a certain number of times per 1000 people insured. The key to them being profitable is being able to be as accurate as possible in the number(s) they have predicted and/or planned for. The cost is based on that prediction.

Estimate is Not a Quote

Generally, the words quote and life insurance don’t go together. When someone inquires about cost, the best anyone can do is estimate based on the information given. Until an insurance company reviews an application and makes an offer numbers, cost, and price aren’t definite.

The Offer is the Quote

The prices are set by the insurance companies. The way they operate is similar but different companies evaluate differently. Agents and brokers have no say in the cost of insurance do their best to match a particular person and situation with a particular company.

Once an offer is made

It’s a quote and there usually is a 30-day free look to accept or not.


Less than 5% of all term life insurance policies have ever paid or will ever pay a death benefit. More than 80% of all permanent life insurance policies have paid or will pay a death benefit.

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When to Take Insurance in Blackjack

The good thing about playing blackjack is that you can be offered with insurance if the dealer shows an Ace. The point here is, you can have insurance if you will put in the insurance spot half the size of your bet. The insurance spot is just on the table. So, if the dealer has got a blackjack, you will be receiving two-one on your insurance bet. With this, you are getting back your initial bet back. However, if the dealer has no blackjack, then you lose your insurance bet but you will continue on with the game. Prior this, the dealer will ask first everybody if they want an insurance. An ace is the up card for the dealer. If you have gone to the casino, what the dealer usually says is “insurance open”. He then waits for several seconds for the players to set and put half of their bet size in the designated spot, and then close it by saying “insurance closed”. That is playing the game in casinos.

You can also play blackjack online. This is a great innovation as it offers opportunities to anyone at anywhere in anytime they want. In online playing, every person or player is asked in insurance or no insurance or yes or no style. The questioning is done beginning from right to left sideways. In an online casino blackjack game, you will be asked also if you would like insurance. Insurance is utilized if a player has blackjack. The player holding it will say “I will take even money”. This means that he or she is surrendering the three-two blackjack bonus. This guarantees their triumph on their initial bet. With this, they are piling up the insurance. So when the dealer has blackjack, they will push on their own blackjacks and be victorious over the insurance. Similar to blackjacks in casinos, if the dealer has got no blackjack, then they will lose their insurance bets. Good thing here is that they can get it back when they will be paid three-two on their own blackjack. There are players who are with a twenty and they are placing money on the insurance spot. This is to protect them from the blackjack.

This game is betting so it involves taking risks. If you are to play it and use the insurance, be prepared. But if you feel you can’t make it then, never take it. If we look closely, there are nine cards which do not make blackjack for the dealer as compared against only four cards that can make blackjack. It is plain luck that will lead you to success. In short, the casino pays a ratio of 9:4. If we consider this, we will surely lose much money as time progresses with the insurance. Sometimes, you may try it, but beware, do not take insurances always or you will have no more money left for you. Plain blackjack game is okay. Insurance in blackjack is an option for you to decide on.