NSUR Insure.Com (MM)

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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