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CPIC Life
Welcome
- Life Just Got Easier
We
offer group term life, vision, supplemental group health expense
reimbursement and stop loss insurance for companies across California.
We also provide individual term life coverage in California
and Arizona, and individual short-term health insurance for
residents of Arizona, California and Montana.
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New?
The
new short-term health Option One and Option Twelve brochures
and applications are now available! Here are a few of the
enhancements for 2002:
· No Rate Increase - Current rates remain unchanged
· Option Twelve Credit Card Acceptance for the
first month premium
· American Express Acceptance for Option One
and Option Twelve more
details for producers
Agents and brokers:
Do
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to your Web site?
Find out how you can have customized Option One and Option
Twelve applications with your personal information pre-printed
and available for downloading by your clients when they need
coverage here. Simply, log-in
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For
agents and brokers who already have customized applications ,
please take a moment to get familiar with the revised applications
and brochures. Your personalized links will automatically
be updated . You'll also want to check out the new Producer's
Guide to Short-Term Health - California. Active producers
will be receiving a copy by mail. We will accept the old version
of the applications through April 15th.
For
Short Term Health plan policy holders:
In
California, CPIC Life shares Blue Shield of California's
"Shield Select" provider network. Find
your doctor or search the directory !
In
Arizona, CPIC Life shares the Blue Cross/Blue Shield
of AZ, Blue Preferred (PPO) provider network. Find
your doctor or search the directory .
In Montana, most statewide providers participate.
CPIC Life is a registered service mark of CPIC Life
Insurance Company
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here .
LifeLINES
In
this Issue:
- Sell High: Increasing Commissions with Key Employee &
Executive Benefits Packages
- Matching Rates for Life: Simplifying the Sale
- Market Segments: Dot-Coms Aren't All Dot-Gone
- Contacts: Get Online with CPIC Life
- Ask CPIC: What's Your "Vision Thing"
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life insurance, term life insurance - term insurance rates from 150 companies
Life Insurance
150 TERM LIFE INSURANCE COMPANIES
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Budget Life is a service for life
insurance consumers. We don't sell life insurance, nor are we
affiliated with any life insurance company.
SEE OUR DISCLAIMER.
_________________________
About Budget Life
The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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National Guardian Life: Final Expense, Term, Whole Life, Universal Life, and Annuities
NGL's Critical Home Protector product is a unique way to protect yourself against the financial hardships associated with surviving a
critical illness. This specialized product is the only one of its kind in the United States. Upon diagnosis of a critical illness, the Critical Home
Protector product will pay you a monthly benefit equal to the amount of your mortgage payment. Visit www.criticalhome.com to find out more!
Apply for Senior Life Insurance On-line Applying for life insurance has never been
easier! Just answer six medical questions to see which product you qualify for. Then try different face amounts to find a premium that's right for
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Read NGL's 2001 Annual Report for information on the NGL Group of Companies, the Statement of Statutory
Financial Condition as well as product information related to NGL's Single Pay Life policy and Critical Home Protector coverage.
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Welcome Milwaukee Life policyowners. The NGL Insurance Group welcomes you to the family. To ensure your comfort in this transition,
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Questions? Contact us at milwaukeelife@nglic.com .
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Welcome
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We
offer group term life, vision, supplemental group health expense
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We also provide individual term life coverage in California
and Arizona, and individual short-term health insurance for
residents of Arizona, California and Montana.
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· No Rate Increase - Current rates remain unchanged
· Option Twelve Credit Card Acceptance for the
first month premium
· American Express Acceptance for Option One
and Option Twelve more
details for producers
Agents and brokers:
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please take a moment to get familiar with the revised applications
and brochures. Your personalized links will automatically
be updated . You'll also want to check out the new Producer's
Guide to Short-Term Health - California. Active producers
will be receiving a copy by mail. We will accept the old version
of the applications through April 15th.
For
Short Term Health plan policy holders:
In
California, CPIC Life shares Blue Shield of California's
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LifeLINES
In
this Issue:
- Sell High: Increasing Commissions with Key Employee &
Executive Benefits Packages
- Matching Rates for Life: Simplifying the Sale
- Market Segments: Dot-Coms Aren't All Dot-Gone
- Contacts: Get Online with CPIC Life
- Ask CPIC: What's Your "Vision Thing"
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life insurance, term life insurance - term insurance rates from 150 companies
Life Insurance
150 TERM LIFE INSURANCE COMPANIES
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Budget Life is a service for life
insurance consumers. We don't sell life insurance, nor are we
affiliated with any life insurance company.
SEE OUR DISCLAIMER.
_________________________
About Budget Life
The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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National Guardian Life: Final Expense, Term, Whole Life, Universal Life, and Annuities
NGL's Critical Home Protector product is a unique way to protect yourself against the financial hardships associated with surviving a
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Welcome policyholders , serving you has always been our number one priority. Now
you can find out more about your policy as well as the answers to your questions at the Customer Connection .
The NGL Insurance Group respects your right to privacy. Please take a look at our privacy notice for
customers and our Internet Privacy Policy .
Welcome Milwaukee Life policyowners. The NGL Insurance Group welcomes you to the family. To ensure your comfort in this transition,
we've put together a collection of information that is of interest to you.
Questions? Contact us at milwaukeelife@nglic.com .
Information of Interest
Frequently Asked Questions
National Guardian Life
Servicing your policy
2001 Financial Review
2001 Annual Report
Press release (5/23/01)
Press release (6/14/01)
Join our team ...
Consider joining the National Guardian Life team of professionals either in the field or at the office. Read
about our current opportunities.
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policy values, updated reports, product info and more. Log on at www.nglfield.net now.
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