Simplified Application Process
Corto Financial Group is proud to announce a strategic partnership with SYMETRA Insurance to offer a quick and valuable solution to our physicians and their families regarding Life Insurance options. We have eliminated several obstacles for our residents and fellows with our GSI disability programs and NOW we have streamlined the process to apply for term life insurance. If you are healthy and under the age of 55 you could get an approval of up to 5mm of coverage within 30 minutes of applying (obvious restrictions apply).
You can simply apply online through the link below and you will be issued a policy up to 5mm in a matter of hours not weeks. We have a prequalifying checklist for anyone who might be concerned about preexisting conditions, if you can answer NO to the checklist, you should go direct to the link and apply online. If you answer YES to any of the checklist questions, we should set up a quick call to discuss so you are not burdened with the long process of full medical underwriting.
We will gladly set up a time to discuss your options and based on your current health status you may be able to still use the quick online application process, or we will figure out the best course of action for you and your family. Our term life insurance program is available to ALL clients of CFG, it's not just for residents and fellows, but any attending and their family members nationwide are eligible to use our new program as well. We created this program to help friends, family, and all of our physicians' clients to get quick answers to a relatively long agonizing process when applying for life insurance. When our clients ask we respond with great alternatives than what is currently out these and available. Below is an example of what coverage would cost per million for 20 and 30 year level term coverage,( we have quoted second best ratings with regards to premiums, since less than 10% get the best approval rating).
Term Life Insurance Sample Rates
Illustrative monthly premiums by coverage amount, age, and term. Rates shown are for the 2nd-best health class.
20-Year Level Term
| Coverage 2nd Best |
28 | 29 | 30 | 31 | 32 | 33 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M | F | M | F | M | F | M | F | M | F | M | F | |
| $1M | $35.24 | $29.20 | $38.73 | $29.80 | $39.90 | $30.55 | $40.42 | $31.33 | $41.10 | $32.34 | $41.77 | $33.35 |
| $2M | $62.94 | $48.91 | $70.51 | $50.62 | $71.02 | $52.31 | $72.73 | $54.02 | $74.09 | $55.73 | $74.42 | $58.46 |
| $3M | $91.65 | $70.61 | $103.01 | $73.17 | $103.77 | $75.71 | $106.33 | $78.27 | $108.37 | $80.83 | $108.87 | $84.93 |
| $4M | $123.05 | $92.02 | $134.72 | $95.00 | $136.23 | $98.82 | $139.66 | $102.23 | $142.38 | $105.66 | $143.03 | $111.11 |
| $5M | $152.43 | $113.65 | $167.02 | $117.91 | $168.91 | $122.15 | $173.19 | $126.41 | $176.59 | $130.69 | $177.41 | $137.51 |
30-Year Level Term
| Coverage 2nd Best |
28 | 29 | 30 | 31 | 32 | 33 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M | F | M | F | M | F | M | F | M | F | M | F | |
| $1M | $62.25 | $45.93 | $63.05 | $47.40 | $64.05 | $49.11 | $65.55 | $50.75 | $67.51 | $52.74 | $69.48 | $54.73 |
| $2M | $115.99 | $82.90 | $117.91 | $86.26 | $119.83 | $89.65 | $123.09 | $92.95 | $127.23 | $96.77 | $131.22 | $101.17 |
| $3M | $171.23 | $121.59 | $174.10 | $126.63 | $176.99 | $131.71 | $181.87 | $136.67 | $188.09 | $142.39 | $194.07 | $148.99 |
| $4M | $226.19 | $160.01 | $230.02 | $166.71 | $233.86 | $173.50 | $240.38 | $180.10 | $248.67 | $187.74 | $256.63 | $196.54 |
| $5M | $281.35 | $198.63 | $286.15 | $207.01 | $290.95 | $215.49 | $299.09 | $223.75 | $309.45 | $233.29 | $319.35 | $244.29 |
Disclosure: Premiums shown are illustrative monthly rates for the 2nd-best health class and are provided for general informational purposes only. Actual rates depend on individual underwriting, health, tobacco use, and carrier availability, and are subject to change. This is not an offer of insurance or a guarantee of coverage or price. Rates are quoted per month. M = Male, F = Female.