Yes, it is possible to apply for your life insurance policy online.

There are online life insurance providers that allow you to compare rates and apply online in just minutes for your life insurance policy.

And, some online life insurance applications require no health exam, so you may be able to start your coverage sooner, rather than waiting 4-6 weeks for coverage.

In fact, one insurer offers up to $350,000 of life insurance with no exam, and if you qualify, you may start your life insurance c...
Continue reading ...

I have poor health and need life insurance coverage, is it available?

Yes, there are some guaranteed issue life insurance plans for people with bad health.

In fact, if you are between the ages of 45 to 85, you may be able to purchase up to $25,000 of guaranteed life insurance protection. 

Are there any exams or health questions?

No, with guaranteed life insurance there's no health exams required and no health questions asked. If you meet the age requirements, you cannot be turned down due to your...
Continue reading ...

Does a new parent need life insurance?

Yes, if you are a new parent, you may need life insurance.

When starting a family there are many financial costs to consider and plan for including life insurance to make sure you can provide financials security for your new family in case you pass away.

Life insurance can work to replace your income for your family, and provide the funds needed to make sure they maintain the lifestyle they shared with you while you were alive.

The death benefit from a life ...
Continue reading ...

I need life insurance protection for my family but we are on a tight budget.

What is the most affordable life insurance plan for a family?

Term life insurance will pervade you and your family with the largest amount of life insurance protection for your money.

Since term life is temporary, providing life insurance protection for up to 30 years, it offers the most coverage at the lowest price.

With term life insurance you can choose a "term" of 10, 15, 20 or 30 years of life insurance coverage.

Tha...
Continue reading ...

Yes, you may need life insurance now that you are getting married.

One of the primary reasons for getting life insurance after getting married is for income protection purposes so your spouse can maintain the same lifestyle for a given amount of time without having to worry about financial matters.

When a family loses an income stream due to the death of a spouse, the surviving spouse often has to make a dramatic shift in lifestyle choices with no way to have that income immedi...

Continue reading ...

Can you get life insurance coverage if you are diabetic?

Yes, there are life insurance carriers that insure people with diabetes.

However, the price you pay and your acceptance will depend on several risk factors and how you manage your diabetes.

Also, when you were diagnosed and your age at diagnosis may affect your ability to get insurer.

In addition, whether or not you are insulin dependent will impact your approval and premium.

However, there are fully underwritten life insurance plans requiri...
Continue reading ...

The best term life insurance for people over 50 may depend on your own personal situation and what your life insurance needs are - for example, what do you want your life insurance policy to accomplish?

Since term life insurance is temporary protection for a specific period of time, you may choose coverage for a term of 10, 15, 20 or 30 years.

The longer your "term" for coverage, the higher your annual premium. Also, the larger the amount of life insurance you buy, the higher your premium.

Your ...
Continue reading ...

Are there life insurance plans available with immediate coverage, where you don't have to wait until you have full coverage?

Yes, there are instant coverage life insurance plans.

In fact, some no exam life insurance policies offer you instant coverage life insurance the same day you apply online, if you qualify for a policy. You acceptance is based on your answers to the health questions asked.

Other plans may require you to take a medical exam and wait up to several weeks before you have your f...
Continue reading ...

I want to get life insurance but I'm not sure how to find the right policy.

How do I choose the right life insurance of me?

When shopping for a life insurance policy there are several things you'll want to consider before choosing a plan and carrier.

First, ask yourself these questions:

1. What goal do I want my life insurance policy to accomplish?

2. How much life insurance do I need?

3. How long do I need life insurance?

4. How much can I afford to pay for my life insurance?

Then, you'll want to u...
Continue reading ...

Can I get life insurance for a specific period of time/

Yes, you can buy life insurance that will provide you with coverage for a specific period of time.

For example, term life insurance is temporary life insurance protection that lasts for a period of up to 30 years.

Term life policies are usually available for a "term" of 10, 15, 20 or 30 years of life insurance coverage.

Since the term life coverage is temporary, it costs a lot less than permanent life insurance which provides lifetime protec...
Continue reading ...

Whole life insurance coverage is a type of life insurance policy that provides you with guaranteed lifetime protection and builds cash value inside the policy over time from which you may take a loan.

Regular whole life insurance policies provide you with full coverage immediately,m from the first day you are insured.

However, some whole life insurance policies; such as, guaranteed issue whole life insurance, provides limited death benefits the first 2 or 30 years you are insured under the poli...
Continue reading ...

I want to purchase a life insurance policy but I'm not sure which type of life insurance will be right for me.

There are two type of life insurance policies - Term and Permanent.

Term is temporary life insurance for a period of 1 to 30 years. Most term life policies provide coverage for a "term" of 10, 15, 20 or 30 years. So, if your need for life insurance is for 30 years or less, then term life insurance may offer you the most affordable option.

Permanent (whole) life insurance provides guaran...
Continue reading ...