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I Oleg
Skurskiy licensed
in State of California
, Colorado , Texas
, Virginia , Arizona
, Nevada , Illinois
, Ohio, Georgia,
Connecticut, New
Hampshire and still
obtaining license
in other states.
This website is
informational only
and most serviced
in the above state
might be offered
by affiliate agents
. Please contact
Oleg
Skurskiy for
the product offered
only in the states
above on that his
name posted with
his contact information.
if there is no name
or contact number
that means he is
not licensed or
does not offer services
in your state. |
Oleg
Skurskiy
Authorized
Independent Agent
18375 Ventura Blvd.
# 226
Tarzana , CA 91356
Phone
: 818-987-5000
Fax : 818-776-9865
To
advertise on this
web site please
Contact
Us
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CA
License 0E50389 AZ
License #: 861722
NV License # 770920
CO License 256417
IL License #: on file
VA License # 696226
TX License 1373904
OH License # 713753
GA license # 778673
NH license # 2015276
CT license # 2276271
OR license # 761638
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Why
should you purchase term life
insurance from our agency?
Our
Agency gives
you the information you need
to make your term life insurance
decision with confidence. We
provide you information from
the leading life insurance companies.
We provide instant term life
insurance quotes if avaible
in your state, online insurance
applications, and online customer
service. We give you simple
instructions, and competent
and qualified staff to respond
to your needs over the net or
over the phone.
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Term
life insurance defined
Term
life insurance is an insurance
policy covering a person's life
for a specified number of years.
It is often offered with a guaranteed
premium for a particular number
of years. Term life does not
have accumulated cash value.
Accumulated cash value generally
is the distinction between term
life insurance and whole life
or universal life insurance.
Cash value policies are initially
much more expensive than term
life insurance policies for
the same amount of coverage.
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Choosing
a term life insurance company
Term
life insurance is very much
like many common commodities
in the market place. It is a
product that varies very little
from company to company. Generally
the biggest difference in the
product is the price. So that
you can choose between many
different companies and see
the price difference.
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How
much life insurance do I need?
Our
Agency
understands that each person
has individual insurance needs.
There is no set rule as to how
much insurance you need to purchase.
You need to decide how much
life insurance you want to leave
your dependents to carry on
in your absence. You have to
decide how much support you
wish to provide. Many financial
planning experts recommend 10
to 20 times your annual earnings.
For business life insurance
the amount is often even more.
For many the answer is simply
the amount makes you feel your
family is safe.
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What
is Level Rate Guarantee?
A
level rate guarantee
simply means that your
premium will not change
for a guaranteed period
of time. This period
of time generally ranges
from 5 to 30 years.
Our Agency recommends
that you purchase a
level rate guarantee
for the period of time
that you intend to keep
the policy in force.
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What
premium payment options
do I have?
Request Quote Online
and agent will contact
you about the options
for annual term life
insurance premiums.
Annual term life insurance
premiums are the lowest
rates the insurance
company offers. However,
you may instead pay
for your term life insurance
premiums on a check-a-matic
(monthly), quarterly,
or semi-annual basis.
These payment options
are slightly more expensive
than those on an annual
basis.
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How
long will this take?
The
insurance company cannot
begin underwriting your
policy until you have
completed your free
medical exam and they
have received your signed
application. Generally
it takes three to four
weeks to complete this
process. If the insurance
company has to get your
doctor's records it
will generally take
4 to 7 weeks since the
insurance company has
to depend upon your
doctor's promptness
in providing them the
records they need.
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What
is Term Life Insurance
-Term Life Insurance provides temporary
coverage for a specified period of time,
in increments of years. Usually these
periods are from 5,10,15,20, even 30 year
term products are available, but be sure
to understand the guarantee period for
any policy purchased. See: "Can the
rates increase?" below.
The beneficiary receives the death benefit
if the insured dies while the policy is
in-force; no benefit is paid if the insured
survives to the end of the term. Policies
do not build up cash value, so if the
policy is surrendered, the policyholder
does not receive any cash value.
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Why purchase
Term Insurance?
-Term policies are designed to meet a
specific need for a stated period of time.
They are sometimes purchased to supplement
permanent insurance. Term insurance is
useful for pure protection needed for
a definite period at a low cost.
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Can the rates increase?
The Triple X legislation adopted by most
states January 1, 2000, has changed the
rates and guarantees on term insurance
as we knew it before Dec. 31, 1999. While
many companies are still getting their
Triple X compliant products approved through
the states, many have come out with these
products and the insurance consumer should
have a complete understanding of the product
before they make that purchase.
Premiums remain level on guaranteed term
insurance. Initial premium rates for term
coverage may be lower than those for permanent
insurance products because of the limited
periods of protection and absence of cash
value, but the premiums can escalate upon
renewal, as the insured gets older or
as the duration of the term increases
past the guaranteed period.
The products being offered that we sell
range from full guarantees on 10, 15,
and 20-years at competitive rates to mid-range
guarantees and short term guarantees.
The mid-range guarantees generally include
5 and 10-year level premium plans with
rates guaranteed level for only the first
five years. 15, 20, and 30-year level-premium
plans with rates guaranteed level the
first 10 years.
The short-term guarantees are on term
products for 5, 10, 15 and 20-year level-premium
plans with rates guaranteed level the
first 3 years only.
Every company's products will differ,
so be sure to read the illustration provided.
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Is a
Term Insurance policy Convertible?
-A feature of some term insurance policies
is "convertibility". This allows
the policy owner to convert the term policy
to a permanent insurance policy that builds
up cash value. Generally, no additional
underwriting is required to exercise this
option.
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How much coverage
do I need?
-Our experience is that people typically
are securing term insurance to either
cover a personal or business loan, or
to replace family income in the event
of premature death.
If for a loan, the balance due determines
the amount of coverage needed.
If to replace family income, the proceeds
should be enough to take care of your
family. With the insurance proceeds and
prudent investing, your family would be
able to replace your annual income. Many
experts advise at least three to five
times your annual earnings.
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How long should
my coverage be for?
-The answer is a highly personal one,
and will vary depending on your health,
your age, and your current and expected
financial situation. Term insurance will
cover you only for a period of time. The
policies can have a good rate for the
guarantee period of 5,10,15,20, or 30
years. After that you will have to re-qualify
to have the policy renewed for another
term period. That new term period will
usually be at a higher rate, based on
your current age and health. If something
has gone wrong with your health during
that term of time, then you may be forced
to pay annually increasing premiums after
the level guaranteed period in order to
continue the coverage. So you need to
carefully evaluate how long you will need
life insurance.
We can help you to analyze how much coverage
you need simply fill in this Free
Quote request form
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No
Medical Exam Life Insurance
No medical exam life insurance
is available from a number of insurers.
No medical exam life insurance policies
provide the same benefits as plans
that require a medical exam without
the hassle. No medical exam life
insurance are NOT for people with
serious health issues such as (but
not limited to) AIDS, ARC, HIV,
cancer, heart disease, lung disorders,
stroke, diabetes, liver disease,
mental, psychological or nervous
disorders. Every insurance company
has differing terms and requirements
you must satisfy in order to be
eligible for a no medical exam life
insurance policy. The best thing
to do is request no medical exam
life insurance quotes and see what
type of life insurance policy you
are eligible for and what suits
your needs. Receive free, multiple
quotes from competitive life insurance
vendors today. You may be eligible
for no medical exam life insurance,
compare and save now!
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Universal life
insurance is whole life and
a form of cash value life insurance
where the insurance premiums and amount
of coverage are flexible. Generally,
after the first-year premiums, additional
premiums and coverage can be adjusted
at the insured's discretion assuming
they are within the boundaries set
by the insurance company. Universal
life insurance is actually whole life
insurance, but more flexible. Generally,
you pay a higher premium for this
flexibility. Universal life insurance
as with whole life insurance has an
investment component as well as a
death benefit, but the policyholder,
has the right to increase or decrease
the investment amount.
Universal life insurance policies
are attached to short-term interest
rates, often making their rate of
return higher than whole life, but
this also means you're at greater
risk when interest rates drop.
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Mortgage Term
Life Insurance Mortgage
Term Life Insurance covers you for
a specified term (from 10 to 30
years, typically). If you die within
the term, your beneficiary receives
the stated death benefit of the
policy. Mortgage Term Insurance
normally requires no medical underwriting
as well. Mortgage term life insurance
is a reducing term life insurance
policy which guarantees that if
you die your mortgage will be paid
in full. The coverage decreases
as the mortgage balance declines
and it is recommended for the borrower
to have a mortgage life insurance
policy. Mortgage life insurance
provides a safety net for your family
should you or your spouse pass away
and pays out a guaranteed cash sum
during if you die the policy term
or are diagnosed with a terminal
illness with less than 12 months
to live within this period.
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Types of
Life Insurance:
Permanent Life Insurance
Term Life Insurance
Cash Value Life Insurance
Whole Life Insurance
Single Premium Life Insurance
Variable Life Insurance
Endowment Life Insurance
Universal Life Insurance
Level Term Life Insurance
Child Life Insurance
Decreasing Term Life Insurance
Senior Life Insurance
30 Year Term Life Insurance
No Exam Life Insurance
20 Year Term Life Insurance
Renewable Term Life
10 Year Term Life Insurance
Adjustable Life Insurance
Short Term Life Insurance
Long Term Life Insurance
Return of Premium Life Insurance
Final Expense Insurance
Guaranteed Issue Life Insurance
Burial Insurance
Guaranteed Issue Whole Life
Joint Term Life Insurance
Variable Universal Life Insurance
Joint Life Insurance
Survivorship Life Insurance
First to Die Life Insurance
Second to Die Life Insurance
Cancer Life Insurance
Critical Illness Life Insurance
Medicare Supplements
Joint Whole Life Insurance
Mortgage Life Insurance
Joint Life and Survivor Insurance
Stroke Insurance
Mortgage Term Life Insurance |
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Blue Cross -Tonik- Blue Shield -
Nationwide - PacifiCare - Health Net
- Aetna - Anthem - Unicare |
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Fre Medicare Insurance Quote offered through
Affiliate Program at Alabama, Alaska, Arizona,
Arkansas, Connecticut, Delaware, District of Columbia
(Washington DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maine, Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio, Oklahoma,
Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont,
Virginia, Washington, West Virginia, Wisconsin,
and Wyoming. Medicare Rx |
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