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Submitted URL: http://www.policyzip.com/
Effective URL: https://policyzip.com/
Submission Tags: @phish_report
Submission: On May 23 via api from FI — Scanned from AU
Effective URL: https://policyzip.com/
Submission Tags: @phish_report
Submission: On May 23 via api from FI — Scanned from AU
Form analysis 2 forms found in the DOM
POST life-insurance/quote
<form action="life-insurance/quote" method="post" class="form dark both-programs">
<h2>Get a Free Quote for Medicare, Life Insurance, and Health Insurance</h2>
<label for="product">Select Your Product</label>
<select name="product" id="product">
<option value="life-insurance">Life Insurance</option>
<option value="medicare">Medicare</option>
</select>
<label for="zip">Enter Your Zip Code</label>
<input type="text" name="zip" id="zip" placeholder="Zip Code">
<input type="submit" name="submit" value="Get Started">
</form><form class="nq_form" novalidate="novalidate">
<div class="nqwidget">
<div class="nqhead nq_headline_text_color nq_border_color nq_headline_bg_color nq_headline_text">Get Life Insurance Quotes in 60 Seconds</div>
<div class="nqbody nq_background_color nq_border_color nq_widget_padding">
<div class="inner fields_width">
<div id="qwgt_error_container"></div>
<ul class="nq_form_container">
<li> <label for="state">State</label> <select class="input-block-level" name="state">
<option value="" disabled="" selected=""></option>
<option value="AL">Alabama</option>
<option value="AK">Alaska</option>
<option value="AZ">Arizona</option>
<option value="AR">Arkansas</option>
<option value="CA" selected="">California</option>
<option value="CO">Colorado</option>
<option value="CT">Connecticut</option>
<option value="DE">Delaware</option>
<option value="DC">District of Columbia</option>
<option value="FL">Florida</option>
<option value="GA">Georgia</option>
<option value="HI">Hawaii</option>
<option value="ID">Idaho</option>
<option value="IL">Illinois</option>
<option value="IN">Indiana</option>
<option value="IA">Iowa</option>
<option value="KS">Kansas</option>
<option value="KY">Kentucky</option>
<option value="LA">Louisiana</option>
<option value="ME">Maine</option>
<option value="MD">Maryland</option>
<option value="MA">Massachusetts</option>
<option value="MI">Michigan</option>
<option value="MN">Minnesota</option>
<option value="MS">Mississippi</option>
<option value="MO">Missouri</option>
<option value="MT">Montana</option>
<option value="NE">Nebraska</option>
<option value="NV">Nevada</option>
<option value="NH">New Hampshire</option>
<option value="NJ">New Jersey</option>
<option value="NM">New Mexico</option>
<option value="NY">New York</option>
<option value="NC">North Carolina</option>
<option value="ND">North Dakota</option>
<option value="OH">Ohio</option>
<option value="OK">Oklahoma</option>
<option value="OR">Oregon</option>
<option value="PA">Pennsylvania</option>
<option value="RI">Rhode Island</option>
<option value="SC">South Carolina</option>
<option value="SD">South Dakota</option>
<option value="TN">Tennessee</option>
<option value="TX">Texas</option>
<option value="UT">Utah</option>
<option value="VT">Vermont</option>
<option value="VA">Virginia</option>
<option value="WA">Washington</option>
<option value="WV">West Virginia</option>
<option value="WI">Wisconsin</option>
<option value="WY">Wyoming</option>
</select> </li>
<li> <label for="birth_month" style="margin-bottom: 0;">Birthdate</label> <select name="birth_month" style="width: 32%;">
<option selected="" value="1">Jan</option>
<option value="2">Feb</option>
<option value="3">Mar</option>
<option value="4">Apr</option>
<option value="5">May</option>
<option value="6">Jun</option>
<option value="7">Jul</option>
<option value="8">Aug</option>
<option value="9">Sept</option>
<option value="10">Oct</option>
<option value="11">Nov</option>
<option value="12">Dec</option>
</select> <select name="birth_day" style="width: 27%;">
<option value="1">1</option>
<option value="2">2</option>
<option value="3">3</option>
<option value="4">4</option>
<option value="5">5</option>
<option value="6">6</option>
<option value="7">7</option>
<option value="8">8</option>
<option value="9">9</option>
<option value="10">10</option>
<option value="11">11</option>
<option value="12">12</option>
<option value="13">13</option>
<option value="14">14</option>
<option value="15">15</option>
<option value="16">16</option>
<option value="17">17</option>
<option value="18">18</option>
<option value="19">19</option>
<option value="20">20</option>
<option value="21">21</option>
<option value="22">22</option>
<option value="23">23</option>
<option value="24">24</option>
<option value="25">25</option>
<option value="26">26</option>
<option value="27">27</option>
<option value="28">28</option>
<option value="29">29</option>
<option value="30">30</option>
<option value="31">31</option>
</select> <select name="birth_year" style="width: 36%;">
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
</select> </li>
<li> <label for="gender">Gender</label> <select class="input-block-level" name="gender">
<option value="">Select</option>
<option value="Male">Male</option>
<option value="Female">Female</option>
</select> </li>
<li> <label for="smoker">Smoker?</label> <select name="smoker" class="input-block-level">
<option value="No">No</option>
<option value="Yes">Yes</option>
</select> </li>
<li> <label for="rate_class">Health Class</label> <select name="rate_class" class="input-block-level">
<option value="pp">Preferred Plus</option>
<option value="p">Preferred</option>
<option value="sp">Standard Plus</option>
<option value="s">Standard</option>
</select> </li>
<li> <label for="term">Term Period</label> <select class="input-block-level" name="term">
<option value="10">10 Year Term</option>
<option value="15">15 Year Term</option>
<option value="20">20 Year Term</option>
<option value="25">25 Year Term</option>
<option value="30">30 Year Term</option>
<option value="lifetime">Lifetime</option>
</select> </li>
<li> <label for="coverage">Coverage</label> <select class="input-block-level" size="1" name="coverage">
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="200000">$200,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="400000">$400,000</option>
<option selected="" value="500000">$500,000</option>
<option value="600000">$600,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1500000">$1,500,000</option>
<option value="2000000">$2,000,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="10000000">$10,000,000</option>
</select> </li>
<li> <label for="name_full">Name</label> <input name="name_full" class="input-block-level" type="text" placeholder=""> </li>
<li> <label for="phone_1">Phone</label> <input name="phone1" class="input-block-level" type="tel" placeholder="" data-nqmask="(000) 000-0000" autocomplete="off"> </li>
<li> <label for="email">Email</label> <input name="email" class="input-block-level" type="email" placeholder=""> </li>
</ul>
</div>
</div>
<div class="nqfoot nq_background_color nq_border_color"> <button type="submit" class="nqwgt-btn nq_button_bg_color nq_button_text_color nq_button_text nqwgt-btn-get-quotes">See Quotes Now</button> </div>
</div>
</form>Text Content
* Mon - Fri / 9am - 5:30pm MST * (314) 720-8470 * Term Life * Burial Insurance * Medicare * Reviews * Mutual of Omaha – ★★★★★ * Lincoln Financial Group – ★★★★★ * Prudential – ★★★★★ * BayCarePlus Medicare Advantage – ★★★★★ * AIG – ★★★★ * Gerber Life Insurance – ★★★★ * Protective – ★★★★ * Baptist Health System Arkansas * Conway Regional Health System in Arkansas * Covenant Healthcare * Colonial Penn Life Insurance * Infinity Insurance * Mary Washington Medicare Advantage * Miami Jewish Health System * Molina Healthcare in FL * Nationwide * New York Life * Principal * Senior Life Insurance Company * Sagicor * State Farm Life Insurance * Transamerica * View Pricing * Term Life Quotes * Burial Insurance Quotes * Medicare Plans Brandon LaughridgePresident, PolicyZip LLC GET A FREE QUOTE FOR MEDICARE, LIFE INSURANCE, AND HEALTH INSURANCE Select Your Product Life Insurance Medicare Enter Your Zip Code Secure Form. 100% Risk-Free and confidential Comprehensive Burial Insurance Review Learn More Term Life Insurance Learn More How Medicare Advantage (Part C) Enrollment Works Learn More Companies Read Reviews MOST RECOMMENDED LIFE INSURANCE COMPANIES Below are the life insurance companies we recommend most to our customers due to their strong financial strength, history of strong claims paying ability, years in business, and competitive rates. 1. Mutual of Omaha 2. Lincoln Financial Group 3. Prudential Yes, we can shop many companies, but we believe in working with proven, trusted brands that help us preserve our customer relationships. LIFE INSURANCE WITH A PRE-EXISTING CONDITIONS Life insurance policies may well be the most important part of your portfolio, because they provide a financial umbrella that can protect your loved ones at a time when they will need it the most. All smart financial planning includes a life insurance component, and dollar for dollar, it is one of the wisest investments you can make. Life insurance is simply a contract between an insurance company and a policy holder to provide a lump sum payment to a designated beneficiary when the policy holder dies. The policy holder pays premiums to the insurance company in exchange for the financial protection that life insurance provides. There are many types of life insurance policies that can provide peace of mind for a variety of life’s circumstances. The two most common are term life insurance and whole life insurance. You may also want to consider a cheaper alternative, like burial insurance, also known as final expense insurance. * Term Life Insurance * Whole Life Insurance * Burial Insurance TERM LIFE INSURANCE POLICY Term life policy gives you coverage for a specified length of time, generally in five-year increments ranging from 10 to 30 years. Rates that you pay remain fixed for the length of the term and cannot be changed. When the term ends, there are no more obligations on either side, and the policy simply expires. In many instances, life insurance companies will offer a policy holder a new policy, but with different premium amounts because the holder is now anywhere from 10 to 30 years older. WHOLE LIFE INSURANCE POLICY Whole life is permanent and the policy remains in force until a person dies, as long as premium payments are kept current. Premiums are generally higher for whole life policies because the term can be longer and unpredictable. But just like term insurance, the premium costs remain fixed for the life of the policy. Whole life offers a big advantage over term life in that a portion of the premium is put into an account and starts to accrue interest, building tax-deferred savings along the way. Over time, this serves to increase and diversify a person’s investment portfolio. Other types of life insurance policies have been designed to meeting the varied needs of policy holders. Some of them include: decreasing term life insurance; annual renewable term insurance; mortgage life insurance; credit life insurance; and, key man insurance. LIFE INSURANCE UNDERWRITING PROCESS Life insurance companies use a number of variables to determine a person’s “class” that they will be put into. The class determines how much a person’s premium will be and how much life insurance they will qualify for. Some of the more important variables that life insurance companies use are: * Medical records * Physical exam results * Age * Occupation * Family history * Smoker or non-smoker * Drinking habits * Gender * Driving record * Credit history CAN I GET LIFE INSURANCE WITH A MEDICAL CONDITION? Yes, but it may affect the type of life insurance you are able to purchase, coverage amount / death benefit, and potentially trigger higher premiums. One of the more important variables that life insurance companies consider are high risk health problems for those with a past medical history. Very few people enjoy optimal health, and there are always conditions that keep people from this goal. Some of these conditions are more serious than others, and can impact a person’s ability to secure a life insurance policy. While there are many such high risk conditions, a few of the more notable ones include: * Alzheimer’s disease * Arthritis * Asthma * Back pain * Blindness/Visual impairment * Blood Clots * Cardiovascular heart disease * Chronic obstructive pulmonary disease * Diabetes * Fibromyalgia * High Blood Pressure * High Cholesterol * Kidney Disease * Migraines * Obesity * Sleep apnea * Smoking marijuana Upon qualifying as part of the life insurance application process, after a medical exam and a determination of pre-existing health issues, they are placed into a formal classification ranging from Preferred Select to Standard Smoker. Being placed into one of these classifications will determine how much of a premium a person has to pay for their life insurance coverage if approved, or if they will have higher rates. LIFE INSURANCE HEALTH CLASSIFICATIONS * Preferred Plus Non-Tobacco * Preferred Non-Tobacco * Standard Plus Non-Tobacco * Standard Non-Tobacco * Preferred Tobacco * Standard Tobacco Those people who don’t fit into the common classifications are given what is known as a table rating. Table ratings are usually assigned due to health or lifestyle issues, and most always result in a bump up in the amount of premium a person has to pay for coverage. Some insurance companies may negotiate a table rating with a potential policy holder, and others may remove a table rating altogether if a person’s condition improves sufficiently. Those people who cannot obtain a life insurance policy due to health or other issues may look into getting a guaranteed issue life insurance policy. For this type of policy, there are no physical exams, but benefits are highly restricted for the first two years the policy is in place. In addition, policy amounts are relatively low, generally not more than $25,000. Through a nationwide association of life insurance advisors, PolicyZip can help you find the exact policy that’s right for you, whether you are in perfect health, or you are facing challenging health conditions. We can take the guesswork and the legwork out of finding exactly what you need for you and your family’s financial protection. Learn more about Life Insurance or start your quote by completing a quote request. Thank you, Matt. You're very knowledgeable, patient and easy to talk to. You gave me some great ideas I had no idea I would be qualified for. WENDY G. - TN SATISFIED CLIENT I want to applaud how [my agent] helped me save a bunch of money on my Medicare, by making a few simple changes. Thank you! RANDY Y. - AZ SATISFIED CLIENT Get Life Insurance Quotes in 60 Seconds * State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 Wyoming * Birthdate Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 * Gender Select Male Female * Smoker? No Yes * Health Class Preferred Plus Preferred Standard Plus Standard * Term Period 10 Year Term 15 Year Term 20 Year Term 25 Year Term 30 Year Term Lifetime * Coverage $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $200,000 $250,000 $300,000 $400,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,500,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $10,000,000 * Name * Phone * Email See Quotes Now * * * WHO WE ARE PolicyZip is a consumer advocate and financial services resource site. We help our readers make sense of the ever changing financial and insurance industry. We specialize in Life Insurance and Medicare, but you’ll also find great resources for financial planning, wealth management, good savings habits and overall helpful tips. PolicyZip LLC 1750 S. Brentwood Blvd, Suite 300 St. Louis, MO 63144 PRODUCTS * Medicare * Life Insurance * Comprehensive Burial Insurance Review * Mortgage Protection Insurance * Final Expense Insurance * Accidental Death Insurance * Health Insurance * Dental Insurance * Vision Insurance * Long-Term Care Insurance * Annuities * Workers’ Compensation * Directors & Officers (D&O) Liability Insurance * Errors and Omissions Insurance COMPANY * About * Team * Press * Licenses * Privacy * Terms * Companies RESOURCES * Education Center * Life Insurance Quotes * Medicare Quotes * Insure Your Future Scholarships * Sitemap * Data * Guide to Choosing and Changing Medicare Supplemental Insurance * Guide to Silver Sneakers * Guide to Roadside Assistance * Guide for Choosing Cremation Jewelry Copyright 2024. PolicyZip, LLC. All rights reserved.