“Refinance” Your Term Life Insurance

People are Living Longer and Healthier Lives, Life Insurance Rates Have Dropped!

Beginning in 2020 life insurance companies were required to implement new mortality tables that reflect that people are generally living longer and healthier lives. The good news for you is that this translates directly into lower rates for many rate classes.

If you are still healthy and insurable, you may be able to lower your premiums.

Keep your Premium the SameGet more death benefit for your Premium dollar
Keep your Death Benefit the SameLower your Premium
Increase Term of CoverageLower cost of insurance.

Take advantage of the new Mortality Tables now. The cost of insurance increases every year as you age so it will never cost less than it does today. Its worth checking to see if you can get save money.

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No Rendering of Advice: The financial content in this document is provided for your personal information only. It is not intended for trading purposes, and cannot substitute for professional financial advice. Always seek the advice of a competent financial advisor with any questions you may have regarding a financial matter. Information in this document is not appropriate for the purposes of making a decision to carry out a transaction or trade nor does it provide any form of advice (investment, tax, or legal) amounting to investment advice, or make any recommendations regarding particular financial instruments, investments, or products.

The primary reason for purchasing life insurance is the death benefit protection. Any other benefit is purely ancillary.

Disclaimer: Innovative Retirement Strategies, Inc. does not provide tax or legal advice. This information is prepared from sources generally believed to be reliable. No express or implied warranties or representations are made regarding its completeness or accuracy. In states where we are not licensed, we will refer business to a properly licensed agent.