DARIEN, Ill., Oct. 7 /PRNewswire-FirstCall/ -- Insure.com, Inc.
(NASDAQ:NSUR) today announced that term life insurance rates have
again fallen to all-time lows. Insure.com tracks the rates of 35
leading life insurance companies and provides an instant quote
service for consumers. Despite widespread turmoil in the financial
services markets, life insurance buyers can be confident that they
are still getting lower-than-ever rates. In fact, there's no better
time than now to protect your family financially through life
insurance protection. "We are still seeing term life premiums being
driven down by competition in the marketplace," said Phil Young,
Market Reporter for Insure.com. In the last several months, several
highly rated companies such as Transamerica, Genworth and Savings
Bank Life of Massachusetts have effected rate reductions. In
addition to lowered prices, some companies now also offer forgiving
rates for certain health problems, and you have a mix that makes
for some of the best opportunities in history for life insurance
shoppers." When buying life insurance, consumers are cautioned to
pay close attention to the financial stability ratings. "Life
insurers are closely watched by state regulators, who monitor their
ability to pay claims," said Amy Danise, Editor of Insure.com.
"Consumers who receive price quotes from high-rated companies can
buy with confidence because the current system of state regulation
of life insurers is working well." Insure.com gives you instant
quotes from up to 35 leading life insurance companies and includes
the latest financial stability ratings from A.M. Best, Fitch,
Moody's, Standard & Poor's and TheStreet.com with every life
insurance illustration. Life insurance shoppers wanting free quotes
or advice based upon their own criteria can call 1-800-556-9393 or
visit http://www.insure.com/. Most common health conditions among
life insurance buyers All-time low term life insurance rates are
available not just to healthy applicants but also to buyers with
common health conditions. Insure.com research reveals that the most
common health conditions among life insurance shoppers are: --
Cholesterol. Almost every life insurer we track allows their best
rates even if you receive treatment for elevated cholesterol, so
long as your HDL ratio and total cholesterol levels are within
range of their limits. -- Blood Pressure. Today, many leading
companies won't exclude you from preferred rates solely for having
blood pressure that requires treatment, but they will require
evidence of good, stable control and you must meet their systolic
and diastolic blood pressure limits. -- Height/Weight Ratio.
Allowable maximum weight for a 6' male wanting to pay the lowest
possible life insurance rates are a reasonable 207 pounds with
Savings Bank Life of Massachusetts. If you take that weight up,
say, to 215 pounds, expect to pay about 1/3 more. The lowest life
insurance rates in America $250,000 Term Life Sampler Female Annual
Premiums Age 10 20 30 YEAR YEAR YEAR 30 $108 $148 $203 35 $108 $150
$240 40 $130 $198 $308 45 $183 $303 $413 50 $250 $370 $585 55 $345
$585 $1,128 60 $495 $893 N/A 65 $738 $1,430 N/A 70 $1,080 $3,095
N/A Male Annual Premiums Age 10 20 30 YEAR YEAR YEAR 30 $108 $148
$228 35 $108 $150 $245 40 $130 $198 $335 45 $183 $335 $520 50 $250
$503 $768 55 $403 $765 $1,603 60 $623 $1,285 N/A 65 $1,250 $2,338
N/A 70 $2,053 $5,015 N/A $500,000 Term Life Sampler Female Annual
Premiums Age 10 20 30 YEAR YEAR YEAR 30 $155 $235 $325 35 $155 $240
$365 40 $200 $305 $495 45 $305 $475 $775 50 $435 $680 $1,120 55
$625 $1,090 $2,055 60 $890 $1,735 N/A 65 $1,355 $2,800 N/A 70
$2,100 $6,030 N/A Male Annual Premiums Age 10 20 30 YEAR YEAR YEAR
30 $155 $235 $385 35 $155 $240 $430 40 $200 $335 $610 45 $305 $610
$980 50 $440 $945 $1,475 55 $745 $1,470 $2,960 60 $1,185 $2,510 N/A
65 $2,425 $4,615 N/A 70 $4,055 $9,715 N/A $1 Million Term Life
Sampler Female Annual Premiums Age 10 20 30 YEAR YEAR YEAR 30 $230
$370 $550 35 $240 $380 $610 40 $320 $520 $820 45 $530 $875 $1,420
50 $755 $1,285 $2,100 55 $1,150 $2,085 $3,850 60 $1,705 $3,360 N/A
65 $2,660 $5,510 N/A 70 $3,980 $11,880 N/A Male Annual Premiums Age
10 20 30 YEAR YEAR YEAR 30 $230 $400 $670 35 $240 $410 $750 40 $330
$600 $1,150 45 $540 $1,150 $1,840 50 $810 $1,800 $2,830 55 $1,420
$2,870 $5,510 60 $2,270 $4,950 N/A 65 $4,490 $9,140 N/A 70 $7,305
$18,260 N/A Market survey methodology Insure.com polled 35 leading
U.S. life insurance companies to find the best rates available on
the popular $250,000, $500,000 and $1 million term life insurance
policies. All companies examined have top-notch ratings, meaning
they are rated either "Excellent" or "Superior" by A.M. Best
Company, an independent rating organization. The sample applicants
do not use tobacco and range from 30 to 70 years of age. The tables
above contain the lowest possible rates found for 10-, 20- and
30-year level term life policies for a sample California resident.
For example, in the case of a 40-year-old male in good health, a
$500,000, 20-year level term policy would cost only $335 per year
with Savings Bank Life Insurance Company of Massachusetts, $345
with ING ReliaStar Life Insurance Company, and $360 with Genworth
Life and Annuity Insurance Company. Notes to tables Final premiums
and coverage availability will vary depending upon age, sex, state
availability, hazardous activities, personal and family health
history. The sample, California non-tobacco use premiums shown
above, may include: American General Life Insurance Company,
Houston, TX, form 07007; Genworth Life and Annuity Insurance
Company, Lynchburg, VA, forms 1420(96) et al & 1421 et al;
Lincoln National Life Insurance Company, Fort Wayne, IN, form
TRM5060; Minnesota Life Insurance Company, St. Paul, MN, form
00-410; Pruco Life, Newark, NJ, form PLTIC-2007; Reliastar Life
Insurance Company, Minneapolis, MN, form 1177R; Savings Bank Life
Insurance Company of Massachusetts, Woburn, MA, forms B36 and B46
series; Transamerica Occidental Life, Cedar Rapids, IA, forms 1-306
11-199, 1-304 11-199, and 1-334 11-199. Actual policy forms may
vary by state. California and Utah dba Insure.com Insurance
Services, Inc.: CA #0827712, #OA13858; UT #90093. Some premiums
shown may be graded premium life policies. Term life premium rates
always escalate after initial rate guarantee period. All sample
rates shown are effective Oct. 7, 2008, and subject to change,
state availability or withdrawal without notice. About Insure.com
Originally founded in 1984 as Quotesmith Corporation, Insure.com
owns and operates a comprehensive consumer information service and
companion insurance brokerage service that caters to the needs of
self-directed insurance shoppers. Visitors to the Company's
flagship Web site, http://www.insure.com/, are able to obtain free,
instant car insurance quotes, instant life insurance quotes, home,
business and health insurance quotes from leading insurers and have
the freedom to buy online or by phone from any company shown.
Insure.com also plays home to over 2,000 originally authored
articles on various insurance topics and also provides free
insurance decision-making tools that are not available from any
other single source. Insure.com generates revenues from receipt of
industry-standard commissions, including back-end bonus commissions
and volume-based contingent bonus commissions that are paid by
participating insurance companies. We also generate advertising
revenues from the sale of Web site traffic to various third
parties. Shares of the Company's common stock trade on the Nasdaq
Capital Market under the symbol NSUR. DATASOURCE: Insure.com, Inc.
CONTACT: Amy Danise, Editor of Insure.com, Inc., +1-860-386-6446,
Web site: http://insure.com/
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