USIO Life Insurance - Helping your Sense of Security
You can now buy a life insurance police directly through the mail. Based on information from Globe life, you can choose $5,000, $10,000, $20,000, $30,000 or $50,000 Coverage with No Medical Exam. You only have to answer a few Yes/No health questions and the company offers the policy with no waiting period.
You can buy direct with monthly rates as low as $3.49 for Adults and $1.99 for Children or Grandchildren at the time of this writing. Please refer to the company web site for exact rates and disclaimers.
Somehow life insurance is a misnomer, as you don't get your life back if something goes wrong. But you can rest assured that your family gets their life back. Death may create a financial burden on the survivors because funerals are expensive purchases. A life insurance policy can catch those things.
There is one company that ranks insurance companies on a regular basis. Globe Life continues to receive an A+ (Superior) rating from A.M. Best Company (rating as of 6/10).
It is also a great gift idea to buy a whole life insurance policy for a child. This gives the child a financial head start and also adds some security and financial protection for the parents. A Whole Life policy accumulates value over time. Each small contribution adds value to the policy. After several years the value of such a policy is considerable and can help to pay for the education of your kids or grandchildren. (The above mentioned $1 pays for the first month of coverage.)
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