Senior Supplemental Referral Service

What's really going on with the Senior Supplemental Referral Service? Senior Supplemental Referral Service sends to the people of ages 50 to 80, the official-looking postcards. The pink mailer says that you might fit the bill for a state-managed program to pay for your final expense. The program will purportedly cover 100% of all burial [...]

New state regulated life insurance program

What Exactly Is State Regulated Life Insurance? A state-regulated life insurance scheme does not exist. These mailers are a particularly misleading method of promoting life insurance. They have no ties to any government agency. If you return these cards, a life insurance representative will call you. While the wording of these mailers may vary based [...]

Million dollar life insurance

What is million dollar life insurance? With regards to million dollar life insurance, decide the degree of assurance an individual requirements. Why would that be a vital policy boundary? The truth of the matter is that as a rule a policy can furnish their family with cash in a basic circumstance. Regularly, the provider, who [...]

Egyptian Burial Practices 

Funeral rituals in ancient Egypt were more than random practices. They were rooted in inherently mystical and mythological beliefs. Each of which had its reverence in Egyptian culture, society, and belief system. Contrary to popular assumptions and terminology, burial practices in ancient Egypt were part and parcel of an Egyptian costume. These rituals were sacred [...]

How long does it take to cash out life insurance policy

It takes 6 months to cash out a life insurance policy. Processing of the fund takes 7-10 days  Explanation The processing of the fund takes only 7-10 days and the insurance company is bound to pay the payment in 6 months to the beneficiary of the policyholder. According to US life insurance law, your insurance [...]

 Child life Insurance Plans 2021

What is child plan in life insurance? Children's life insurance is naturally a whole life policy ranging between $10,000-$50,000 in coverage. In addition, a small part of your monthly payment is added into 'cash value,' an interest-bearing account. These funds can help you in paying for college or co-curricular expenses quickly. Child life insurance policies [...]

Liberty bankers life insurance

This article will cover Liberty Bankers Life Insurance Available insurance products How much do Liberty Bankers' life insurance rates cost? Reviews and Ratings of Liberty Bankers Life Insurance Company  Established in 1958, Liberty Bankers Life Insurance Company is an Oklahoma-based company. Its headquarters is situated in Texas. Liberty was initially affiliated with Liberty Life Group [...]

Gerber life grows up plan reviews

This article will cover Gerber life grows up plan reviews Additional Policy Details Which company has the best Children’s Life Policy Is Gerber Grow up plan worth it? Gerber grows up plan, offers whole life insurance for children from age 0-14. The coverage range is from $5,000-$50,000, in which premiums never increase, and coverage amounts [...]

Lincoln Heritage Insurance Company

This article will cover Lincoln Heritage Insurance Company Advantages and Disadvantages of Lincoln heritage Insurance company Available policies and plans Available Riders Customer Care Service Rating and Complain Index Lincoln Insurance Group owns Lincoln's heritage life insurance company, and it was founded in 1963. According to its website, the company serves about a million customers [...]

Annually renewable term insurance

This article will cover What is annually renewable term life insurance? Benefits of annual renewal insurance Temporary annual renewable collective benefits Frequently asked Question What is annually renewable term life insurance? Annual renewable term insurance is one of the types of term life insurance which offers guaranteed life insurance for the pre-defined period of years. [...]

Alex Trebek Insurance

Topics covered in this article Alex Trebek Insurance Guaranteed Acceptance without Medical Health Examination Understanding Unit System Comparing plans with other insurance providers Alex Trebek whole life insurance Plan Alex Trebek term life insurance Plan Alex Trebek Insurance through its paid representative i.e., Colonial Penn company, offering three diverse coverages. They offer a whole life [...]

Angel care insurance reviews

Topics covered in this article Angel Care Insurance  Available Insurance Policies and Packages  Can you trust Angel Care Insurance?  Final Expense Coverage  It may appear that ‘Angel care’ is the name of an insurance company that is selling an insurance policy, but instead, it is, in fact, the ‘Northstar Insurance advisors’ that are at the [...]

Banner Life Insurance Company

Banner life insurance company provides insurance coverage for its umbrella or parent company – Legal & General. It formally operates in all states of the United States, except in New York and the district of Columbia. It promises several insurance plans, including term life insurance and universal insurance option. However, banner life insurance companies only [...]

Mutual of omaha child life insurance

Looking for life insurance policy and thinking about Mutual of Omaha’s insurance for kids? Well you got here to the proper place. In this 2021 review, we move over the coverage details, rates, faqs and the way you could practice 100% on-line in actually minutes. How Does Mutual Of Omaha Children’s Insurance Work? Mutual of [...]

Principal Life Insurance Company

The principal life insurance company operates in 17 different countries worldwide and provides universal and term insurance coverage to all states of the United States. However, principal currently doesn’t offer a whole life insurance policy, but its perks of customized coverage and pricing make it an attractive company in the insurance industry. It offers multiple [...]

Assurity Life Insurance Company

We understand that the increasing number of insurance companies in the market can become difficult for you at times. However, in this blog, we will try our best to break down the policies and plans offered by the Assurity life insurance company so that you can make a well-informed decision. It doesn’t qualify as ‘the [...]

Life Insurance In Retirement

Life Insurance In retirement is usually purchased by the primary earner or breadwinner of the family. It provides a safety umbrella to the insured’s family and spouse after their demise. This is rather beneficial than most people expect it to be. From age 20 till age 60 and onwards, it can be paid for by [...]

American Memorial Life Insurance

American Memorial Life Insurance Company The reputation of the American memorial life insurance company exceeds many of its contemporaries in the market. It is essentially an underwriting entity for a much-acclaimed preplanning funeral insurance company called - Assurant Global Preneed. That is, it is a sister company of Assurant. There are few other companies in [...]

Whole life insurance tax benefits

Is whole life insurance tax deductible? Cash-value life insurance and whole life insurance plans get numerous tax benefits. These benefits are part of the overall coverage package and help maintain the tax-friendly features of the policy in place. These tax-free adjustments sound attractive to those individuals in the United States whose assets exceed more than [...]

Increasing Term Life Insurance

Generally, in a term insurance plan, you settle upon the maximum amount of sum that you will require upon retirement. However, given the changing market dynamics, increasing cost of inflation, individual liabilities and financial goals, the sum assured can not remain constant. Therefore, a plan compensating these changes should be formulated. For this purpose, increases [...]

Indexed universal life insurance pros and cons

Unstable economic conditions in the global financial market and their following repercussions for days to come, has made managing money and finances difficult many times. Hence, indexed universal life insurance provides a brilliant instrument to escape from such financial havoc in case of any economic meltdown and protect your wealth in a tax-favored and friendly [...]

Face value and cash value in life insurance

In life insurance there are two concepts that can be a bit complex, but it is necessary to know how to differentiate. These are the concepts of cash value and face value, which make up whole life insurance . The whole life policies and universal life insurance policies are considered a permanent life insurance, since [...]

Life insurance for people with HIV

The Human Immunodeficiency Virus is considered a retrovirus that affects the immune system of the individual. It should be noted that there is a big difference between AIDS and HIV since many people consider that they are synonymous and they are not. When a person has HIV it does not mean that they have AIDS (Acquired Immune Deficiency Syndrome) [...]

Extended Term Insurance

Extended Term Life Insurance There are many cases in which people buy whole life insurance, but they are unable to continue paying for it for their whole life due to financial losses or any other reason. Failure to pay the premiums leads to the cancellation of the policy, and the insurer gets no benefit. To [...]

Can you have more than one life insurance policy?

There is no limit when it comes to taking out life policies but there is a lot to take into account What is a life policy? Before explaining the options when contracting several life policies at the same time, it is necessary to clarify what a life policy is , in what circumstances it protects us and [...]

Life Insurance For Cancer Patients

For a long time, life insurance did not offer coverage to protect people who were ill with cancer or who had been diagnosed with this disease at the time. The truth is that there is a long list of serious diseases that companies are not required to cover, especially if at the time we wanted to [...]

All about single premium life insurance

What is single premium in life insurance? It's type of life insurance with a property that the insurer pays the whole premium once at the start of the premium. The single premium life insurance was a bad practice that carried out some banks that, hiring a mortgage, added this type of policy. It basically consists of [...]

Buy Open care final expense plans 2021

Topics covered in this article What Actually is Open Care Seniors? What are open care final expense plans? How do open care final expense insurance policies work? There are two options How much does a final expense and funeral plan cost? Open care senior plan rates 2021 “Open Care Senior” is associated with which life [...]

Mutual of Omaha Life Insurance for Seniors

Whole Life Insurance: Mutual of Omaha provides permanent life insurance to people aged 45 – 85. Whole life insurance provides coverage that lasts for a lifetime. Along with the death benefit, it also provides a living benefit in the form of cash value. The death benefit can be sued to pay end life expenses, burial [...]

Bestow Life Insurance

Bestow Life Insurance is a Dallas-based insurance company providing its services in all the states except New York. Since 2017, the company is known for offering online insurance with an easy application process. The company has just started, which explains why it lags behind the other insurance companies in terms of ratings. However, the company [...]

Lumico life insurance company

Lumico Life insurance is an insurance company that provides detailed health and life insurance. It started working in December 1965 after acquiring its license in Arizona. Since then, the company is operating in 49 states of the U.S. With an experience of 50+ years, Lumico Life Insurance is a preferred choice for many American families. [...]

Differences between IUL(index universal life insurance) and whole life insurance

Those who buy the right life insurance policy have a wide variety of options, ranging from cheap life insurance to expensive permanent life insurance policy. in what IUL vs. Whole Life: An Overview Those who buy the right life insurance policy have a wide variety of options, ranging from cheap life insurance to expensive permanent life insurance [...]

How long do you have to have life insurance before you die?

It usually takes 6 months to three years in most of the policies in USA. How long do you have to have life insurance before you die? It depends. Following is the list of policies and respective time duration Whole life insurance( 2 years) Term life insurance(6 months) Decreasing Term Life Insurance(6 months) Life insurance [...]

10 tips to before buying life insurance

Having life insurance is always a good decision to protect other people in the event of the death of the insured and also to protect himself if he suffers a disability. But before hiring life insurance, you have to take into account some recommendations. 1. Do it soon. It is the first advice to take out [...]

Decreasing Term Life Insurance

This decreasing term policy is ideal when financing a property or to protect the balance of a debt in the event of the death of the debtor. The terms we offer are 5, 10, 15, 20, 25 and 30 years. The amount to be paid in the event of death will be determined according to [...]

Life insurance for smokers

You want to take out life insurance , but you are a smoker and you do not know if that influences. Yes, life insurance is more expensive for smokers. We tell you why and, in addition, we explain why you should not lie to insurance on this subject. Smoking kills or, at least, exponentially increases [...]

Life insurance for couples 2021

Life insurance for couples includes special coverage of life insurance policies where if both spouses die at the same time, for example by accident, the beneficiaries receive double compensation for each of the deceased. In the best life insurance for married couples, it is clear that the main guarantee is death from any cause, the [...]

Which type of life insurance policy generates immediate cash value

Cash value is the part of your policy that earns interest and may be available for you to withdraw or borrow in the event of an emergency. The following types of permanent life insurance policies may include the cash value feature: Whole life insurance Universal life insurance Variable universal life insurance Indexed Universal Life Insurance [...]

Top 10 Senior Life Insurance Companies in 2021

The best senior life insurance companies are trustworthy, reputable, and established, and they have an affordable product that meets your needs. Your focus is likely to be permanent coverage, so you want this company to be there when your survivors need the benefits you paid for. This could be decades from now. Financial strength ratings for [...]

Variable universal life insurance: how it works and why you are interested in taking it

Buying life insurance is a very important decision. It will be an instrument that guarantees peace of mind to your loved ones if you miss it, and also a tool with which you can save and get extra money . If you need insurance that accompanies you throughout your life, it is best to take out permanent life insurance . But if you want a product that gives you [...]

Types of Life insurance

Things can change quickly from one moment to the next; for better or worse. Do you know how to be ready for the unexpected? A life insurance covers from the comfort of your family to reach your financial goals. When we talk about life insurance or burial insurance we are talking about insurance that covers risks such as death, survival and [...]

Life insurance questions:Frequent questions

The benefits of life insurance Buying life insurance is an important protection to guarantee the financial stability of yours in the event that you are absent. With this type of insurance you can provide peace of mind. Faced with situations in which income cannot be guaranteed on a recurring basis, life insurance makes it possible [...]

Can I take out life insurance if I have a risky profession?

Insurers consider people with jobs such as firefighter, police, mining or work at heights are more likely to suffer a loss.This type of insurance policies are called high risk life insurance When it comes to taking out life insurance, the profession of the insured person will be essential for the insurer . In fact, one [...]

Life insurance for people over 65 … do they exist?

Although companies may refuse to insure a person of a certain age, insurance for the elderly does exist. Let's see how long you can do life insurance. A large part of insurance, including health insurance or life insurance, is closely linked to the age of the insured person , in such a way that the [...]

What does dependency insurance consist of?

Dependency insurance gives protection to people who have some limitation to carry out activities of daily life normally. Dependency insurance is a specific type of life insurance for those who have some limitation that does not allow them to carry out any activity of their daily life normally . These insurances are very useful for [...]

Temporary life insurance | What are they and what models are there?

Within the different modalities offered by companies, term life insurance /temporary life insurance is one of the options chosen by young families due to its simplicity when hiring it. To understand a little better how it works, we explain its main features below. The temporary life insurance covering the risk of death of the insured [...]

How to calculate life insurance? ▷ Life insurance comparator

One of the most common doubts for those who are interested in taking out life insurance is its price. There are several factors that determine the final price of the policy. With this article we will solve all the doubts related to this question. When it comes to taking out life insurance , a series [...]

Widowhood benefits in life insurance

Faced with the irreplaceable loss of a spouse, life insurance can help ease the grieving process All deaths of loved ones and members of a family are difficult to assume. In the case of a spouse, the situation can worsen in addition to the inevitable emotional and affective ties, the evident decrease in family income [...]

Who can buy life insurance?

The beneficiary of the life insurance will be that person or persons who have been designated by the insured and who will receive the payment of the benefit agreed in the policy, in the event of his or her death. The objective of life insurance is to insure a certain capital to cover future unexpected [...]

Do you need study insurance? → Guarantee your future!

Study insurance or student insurance is a type of life insurance, designed to guarantee the continuity of the beneficiary's studies. In this case, the insured is the person who is financially responsible for the payment of the studies and the beneficiary is the student. What is student insurance? The student insurance is a type of [...]

5 reasons to buy a life insurance ✓ Why take it out?

Depending on the expectations and interest of the insured, it is possible to choose different types of life insurance Life insurance is a guarantee to face risk situations with greater financial stability and good advice. Each person offers a different sensitivity to certain concerns ( death, illness, old age ... ), so each of these [...]

Does my life insurance covers death from corona-virus?

Faced with a situation of State of Alarm in United States of America, which is spreading throughout the world with almost 180 countries affected by COVID-19 , and the declaration of a pandemic , we have many doubts about all the situations that we could face. We are facing an unprecedented health crisis . The [...]

Main differences between burial insurance and life insurance

More and more of us take out life insurance that guarantees the tranquility of our loved ones in case the day comes when we miss them. Life insurance and burial insurance, both cover the death of the insured , they seem the same but they are not. Both life and death insurance cover the same [...]

Are you a beneficiary of life insurance? → Find out!

Life insurance are those that cover the death of the insured and the beneficiaries are usually the relatives or friends of the deceased. Anyone can check if the insured had life insurance. We explain the steps to follow to find out and collect the life insurance policy. The life insurance is a type of product [...]

Health Questionnaire to qualify for Life Insurance

Health Questionnaire to qualify for Life Insurance Please answer all the questions to qualify for the policy Client Name:__________________ Agent Name:__________________ Proposed Death Benefit Amount:____________________ Type of Policy Seeking:__________________ Date of Birth:__________________ Height:____________ Weight:______________ Do you use tobacco products?______________ If yes,What type of tobacco products do you use? Does the client have any family history [...]

What do I need in Medical examination when buying life insurance ?

Many life insurance policies have made it mandatory to pass a medical examination to verify health. Life insurance has always been one of the policies more demands for people who hold the reins of a family economy. Before signing the contract to acquire any type of policy, insurers require a commitment to undergo a medical [...]

Life insurance for your whole family

This insurance offers you Monthly, quarterly or yearly premium payment options Minimum capital $30,000 No need for medical exam What does the Family Life insurance cover me? COVERAGES Death from any cause Absolute and permanent disability (available in Familia Plus) OPTIONAL COVERAGES Serious diseases. OTHER LIFE INSURANCE BENEFITS Profit sharing Capital advance for the payment [...]

Life insurance that protects parents

If you are looking for insurance that protects parents, it should be taken into account that most companies accept 65 or up to 75 years of age as a maximum age, but if that range is not yet reached, it will be easy to find adequate coverage. It should be noted that the older the person, the premium may increase [...]

Burial Insurance Companies

Burial Insurance Policy or Funeral Insurance or Final Cost Insurance is developed particularly to pay for end of life costs, like funeral as well as interment expenses. At the time of your fatality, your beneficiary obtains a lump amount that might be made use of for funeral as well as funeral expenses or unsettled medical bills, [...]

Burial Insurance

This article is created after getting in touch with industry professionals of interment insurance policy as well as deep individually research study to suggest one of the most effective as well as best solutions for viewers. Funeral or funeral insurance coverage is a special sort of life insurance that is made particularly to take care of funeral service expenses [...]

Burial Insurance For Seniors

Burial insurance coverage for senior citizens is an easy-to-qualify-for whole life insurance policy that can guarantee your funeral service expenses do not become a burden to your household. Dozens of life insurance policy companies use these budget friendly policies to elders of all ages, as well as the best component is that a lot of senior [...]


Guide Of $10,000 Whole Life Insurance Policies This article will explain what whole life insurance is, the cost of different whole life insurance quotes and how $10,000 life insurance policy premiums vary depending on your gender and age. Whole life insurance Whole life insurance is a category of life insurance. It is very simple to [...]

$5000 Burial Insurance Policies

What is Burial Insurance? Burial insurance, funeral insurance or final expense insurance is a category of whole life insurance. The main aim of this insurance policy is to pay for your end of life expenses when you pass away. End of life expenses include funeral and burial costs, debts, unpaid bills, etc. Burial insurance last [...]

$25,000 whole life insurance policy

$25,000 whole life insurance policy $25,000 whole life insurance policy is a decent amount of coverage plan for seniors with great benefits covering their expenses such as a mortgage, loans and medical bills. Whole Life Insurance Policy Whole life insurance is a type of life insurance. It offers coverage your entire life as long as [...]

$15,000 Whole Life Insurance Policies

$15,000 Whole Life Insurance Policies This article will be explaining what life insurance is, how it works, the cost of different whole life insurance quotes and how $15,000 life insurance policy premiums change with gender and age. What is a whole life insurance policy? Whole life insurance is a form of life insurance that offers [...]

Level Term Life Insurance

Degree Term Life Insurance Policy is an inexpensive means of setting up life assurance in the USA and is a moderately simple type of life cover. Degree Term Life Insurance is commonly utilized for household defense objectives by supplying life insurance cover in case of the death of the life or lives made sure for [...]

Life Insurance Coverage

What is covered by a life insurance policy? The life insurance coverage ought to belong to your overall economic preparation. While some life insurance strategies can be made use of to aid you to complete your monetary purposes, others merely supply defense. Yet whichever type you choose, it is necessary you understand your needs along [...]

Life Insurance For Kids

There are a few of pro’s and also disadvantages’ regarding buying life insurance policy on youngsters. Life insurance need to have an insurable rate of interest. There requires to be terrific believing behind the purchase of life insurance coverage on children. The extremely first concern is to very first make sure that the profits producers [...]

Life Insurance Policy

What is life insurance? With a life insurance policy , you pay costs, a specific amount as dictated by your insurance coverage. These costs can be paid monthly, 3 months, 6 months, or year, throughout your life or for as long as the insurance plan calls for. When you pass away, your recipients, household good friends, [...]

Term vs permanent life insurance

This brief article will absolutely assess term vs permanent life insurance strategies, how they function, and also the distinction in between term as well as entire life insurance extensively. What is the term life insurance plan? Term life insurance policy plan, additionally referred to as pure life insurance policy policy, is a sort of life [...]

Types Of Life Insurance

For individuals new to a life insurance policy, the information bordering getting about types of life insurance plans can all be very complicated. Many individuals must place a great deal of relying upon their life insurance agent and actually hope that the agent has their advantages in mind. The good news is, most of the [...]

Whole life insurance policy

The whole life insurance policy is a kind of life insurance policy. It supplies insurance coverage your whole life, regardless of exactly how old you obtain or your health conditions, as long as you pay your premiums. What are the costs? The costs are the amount you pay your insurance provider for your entire life insurance policy [...]

Funeral Costs in New York

The average funeral costs in New York is $6,135. That’s a couple of hundred less than the across the country average, which takes place $6,420. Nevertheless, that number thinks about greater than merely funeral chapel prices It’s an extensive consider what options could run you. Cremation plus remedies can run you as long as $3,407 [...]

How much does cremation costs 2020-21?

How much does cremation cost 2020-21? Cremation costs $500 to $25,00 in USA in 2021.It’s a cheap solution for those seeking an extremely basic and also modest funeral service. A direct cremation is an inexpensive solution for those seeking an extremely standard as well as also small funeral service. It’s the most low-cost cremation choice [...]

cremation cost nyc

How Much Does Cremation Cost NYC in 2021? The common cremation cost NYC in America is $7,360 for a funeral as well as also funeral in addition to $6,260 normally for a full cremation solution, according to National Funeral Directors Organization, however, funeral costs can differ a whole lot depending upon the details services required. The ordinary [...]

Variable life Insurance

Variable life insurance policy is an irreparable life insurance policy item with separate accounts included numerous devices along with mutual funds, such as stocks, bonds, equity funds, cash market funds, as well as also mutual funds. As a result of investment dangers, variable plans are thought about safety and security and also securities contracts that have guidelines [...]

Universal life Insurance

What is universal life insurance and how does it work? Universal life insurance policy plan is a kind of life insurance that lasts your entire life– right into your 90s in addition to past. It’s usually called money worth life insurance policy. That’s since it has an interest-bearing account inside the strategy. You pay right into [...]

Term Life Insurance Rates

One of the most effective ways to get a life insurance policy is through a term life insurance policy Some financial consultants firmly urge that their clients utilize whole life insurance protection instead of term life insurance policy because term life insurance rates are much cheaper than whole life. I am most likely to expose to you why they [...]

How To Get Burial Insurance With No Waiting Period

What Is Burial Insurance With No Waiting Period? Burial insurance with no waiting period is an arrangement that will unquestionably pay the total survivor advantage beginning from the incredibly absolute first day. Your beneficiary will gain 100% of the survivor advantage regardless of whether you’ve recently made one exchange on your methodology. There are heaps [...]

Best $ 15,000 Burial Insurance Policies In 2021

This segment will absolutely share the cost of some $15000 burial insurance policies. The costs recorded here are totally taken straightforwardly from the safety net providers. While encountering these $15,000 life coverage arrangement policies remember the following. Tell your burial insurance companies, delegate, or dealer everything concerning your wellbeing! It plays a significant element in deciding [...]

$ 100,000 Life Insurance Policy

A $100000 life insurance policy plan ventures among those that have sound and adjusted money related investment funds and in like manner annuity alongside wish to use a life insurance policy to enhance that. At the point when you kick the bucket, your arrangement begins to assist your home with preserving the methods for living they’ve developed [...]

$ 50,000 Life Insurance Policy Tips

There are various life insurance strategies sold that are $100,000 or much more–it could daze you that incalculable people would unquestionably likewise want a $50000 life insurance policy plan. Be that as it may, this sum may really be the absolute best decision for you. Perhaps you’re a youthful grown-up and furthermore can not yet [...]

Affordable Modified Whole life Insurance Policies

Modified whole life insurance is fundamentally the same as principal ordinary whole life insurance. The contrast between the two items lies in the exceptional structure of the agreements. In a run of the mill whole life insurance plan, costs installments are level with the life of an arrangement. With a modified premium whole life insurance contract, the [...]

Top Life Insurance Companies In USA

The 2020 best life insurance companies are budget plan friendly, have strong economic security, and also are appreciated by economic along with client facilities, ensured to pay death benefits along with deal features as well as additional solutions you need to construct a monetary safeguard. Just how to choose the best life insurance policy companies [...]

Best Life insurance Policies Over 50

Life insurance over 50 policy is a kind of life insurance policy for any person matured over 50. You pay for this type of life insurance with routine month-to-month installments along with when you die, it pays a round figure. The cash could be used towards your funeral service expenses, to resolve any sort of [...]

Best 2021 Burial Insurance Quotes

As time passes, we assume that the life insurance coverage plans you have taken in previous years will be enough for the remaining part of life, but there are good choices of life insurance over 70 for seniors. The majority of people don’t think about getting a policy when their age is 70 plus, but [...]