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Investment Specials and Inexpensive AA-rated Term Life Insurance

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Effective November 16, 2001

 

Bonus Variable Annuities

This Advertisement is Intended only for Residents of California and South Carolina!!!

This text is pending regulatory approval


Term Life Insurance

This Advertisement is Intended only for Residents of California, Georgia, and South Carolina!!!

Term insurance offers no cash value or investment return but can be useful for temporary (especially 10 year to 20 year) protection needs. Nevertheless, the differences in rates can be astounding, even for essentially the same quality.  For instance, Dr. Cobin has replaced AAA Auto Club and Primerica policies with rates as much as double or even triple those of other companies of equal or better quality.  Five of Dr. Cobin's favorite AA-rated (high quality) carriers are First Colony Life Insurance Co. [AA] (Colony series products), Zurich (Kemper) Life [AA] (Certain-T 2001 series products), Security-Connecticut Life Insurance Co. [AA+], The Old Line Life Insurance Co. of America [AA+], and Lincoln Benefit Life Co. [AA+] (GT Gold series products).  Policies of $250,000 can run as little as $10 to $16 monthly (with premiums guaranteed not to rise for 10 years) for healthy, non-smokers under age 48. Click here to search for the Standard & Poors rating for an insurance company.  Consider the guaranteed rates (current as of October 2001) for guaranteed terms in the following charts.

 

Age 25

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.03

10.72

15.97

12.91

16.19

14.00

19.69

17.06

27.56

21.44

27.13

22.75

32.38

27.13

47.25

37.63

Zurich Life

10.66

9.41

12.25

11.38

15.31

12.91

16.63

14.00

19.69

17.94

25.81

21.00

27.56

22.31

33.69

30.19

45.94

36.31

Lincoln Benefit Life

15.75

14.00

17.72

15.53

21.44

19.03

26.25

22.75

30.19

25.81

37.63

32.81

47.25

40.25

55.13

46.38

70.00

60.38

 

Age 30

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.03

11.16

15.97

12.91

16.19

14.00

19.69

17.94

27.56

21.44

27.13

22.75

34.13

28.88

47.25

37.63

Zurich Life

10.66

9.41

12.25

11.38

15.31

12.91

16.63

14.00

19.69

17.94

25.81

21.00

27.56

22.31

33.69

30.19

45.94

36.31

Lincoln Benefit Life

15.97

14.00

18.81

16.19

22.31

20.13

26.29

22.75

32.38

27.13

39.38

35.00

48.13

40.25

59.50

49.00

73.50

64.75

 

Age 35

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

10.28

9.19

12.47

11.59

16.19

14.22

16.19

14.00

20.56

18.81

28.00

24.06

27.13

22.75

35.88

32.38

49.88

42.88

Zurich Life

10.66

9.41

12.25

11.38

15.75

14.00

16.63

14.00

19.69

17.94

26.69

23.19

27.56

22.31

33.69

30.19

47.69

40.69

Lincoln Benefit Life

15.97

14.00

19.03

16.41

22.97

20.34

26.69

22.75

32.81

27.56

40.69

35.44

48.13

40.25

60.38

49.88

76.13

65.63

 

Age 40

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

 [Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

13.78

11.59

17.06

15.09

22.09

18.59

22.31

18.81

29.75

25.81

39.81

32.81

38.50

31.50

54.25

45.50

74.38

58.63

Zurich Life

13.70

12.03

16.41

15.31

22.31

18.38

22.75

18.38

28.00

25.81

39.81

31.94

39.81

31.06

49.44

45.94

73.06

58.19

Lincoln Benefit Life

21.66

18.38

26.03

21.44

31.94

26.91

38.06

31.50

46.81

37.63

58.63

48.56

70.88

57.75

88.38

70.00

112.00

91.88

 

Age 45

Monthly Premiums ¾ Best Preferred Rate (non-Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

19.47

16.63

27.34

20.34

36.31

26.69

34.56

28.88

50.31

36.31

68.25

49.00

63.00

50.75

94.50

67.38

128.63

91.88

Zurich Life

19.79

16.41

27.34

20.56

35.88

26.25

35.00

28.00

49.88

36.31

66.94

47.69

64.31

49.44

94.06

66.94

124.69

88.81

Lincoln Benefit Life

29.09

24.28

36.53

29.53

45.94

35.22

52.94

43.31

67.81

53.81

86.63

65.19

100.63

81.38

130.38

102.38

168.00

125.13

 

SMOKER SECTION

Age 35

Monthly Premiums ¾ Best Preferred Rate (Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

32.16

26.69

38.72

30.63

53.81

43.31

59.94

49.00

73.06

56.88

103.25

82.25

104.13

84.88

127.75

98.88

182.00

144.38

Zurich Life

33.28

28.22

42.22

32.38

57.31

45.94

62.13

51.63

79.63

59.94

109.81

87.06

115.94

95.81

150.06

111.56

208.69

164.06

Lincoln Benefit Life

33.91

26.91

43.31

32.59

52.50

43.31

62.56

48.56

81.38

59.94

99.75

81.38

119.88

91.88

157.50

114.63

194.25

157.50

 

Age 40

Monthly Premiums ¾ Best Preferred Rate (Smoker)

[Death Benefit]

$250,000

$500,000

$1,000,000

[Term in years]

10

15

20

10

15

20

10

15

20

[Gender]

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

M

F

First Colony Life

45.28

37.19

54.91

45.28

77.88

60.81

86.19

70.00

105.44

86.19

151.38

117.25

152.25

122.50

186.38

153.13

268.63

207.38

Zurich Life

47.85

39.59

57.09

45.94

81.81

62.34

91.44

74.38

109.38

87.06

158.81

119.88

172.81

139.56

207.81

164.06

303.19

227.94

Lincoln Benefit Life

54.47

40.25

67.81

48.78

85.97

63.44

103.69

75.25

130.38

92.31

166.69

121.63

202.13

145.25

255.50

179.38

328.13

238.00

 

For more information on any of the above products, please email Dr. John Cobin [John.Cobin@montaukfinancial.com]. Be sure to include your (1) full name, (2) address, (3) phone and fax numbers, (4) date of birth, (5) gender, (6) height and weight, plus whether you (7) smoke cigarettes (or cigar/pipe), (8) have major health problems; also note (9) the amount insurance coverage needed and (10) an indication of which product(s) you might be particularly interested in.  You may call Dr. Cobin at (805) 604-1423 or (805) 801-0088 cellular.

 



Options Trading Strategies

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This text is pending regulatory approval


 

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