Yes, there are insurers offering consumers the choice of purchasing their life insurance policies direct over the internet.

There are some things to consider before making your purchase:

• Understand that you will pay more for instant issue life insurance without any exams.
• The amount of life insurance available online may be limited to around $500,000 (or more).
• These policies come with a money-back guarantee for up to 30 days, usually.
• There may be no physical examination required.
• These plans are ...

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Which life insurance for adults would be cheapest and why?

The cheapest type of life insurance for adults is term insurance, which costs a lot less than permanent life insurance.

Term life insurance is the cheapest for a few reasons:

• It is temporary, for a period of up to 30 years.
• It is pure life insurance protection.
• It does not build top any cash value inside the policy.
• You may outlive the "term" of you policy - meaning their would be no payout.
  

Term life offers the maximum amount of life insura...
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The policy limit of a life insurance plan is the amount of coverage provided by the insurance policy.

The policy limit (amount of life insurance) should be stated on the front page of the insurance policy.

When you purchase life insurance you select the limit or amount of life insurance provided by your plan.

The higher the policy limits, the higher your annual premium (cost) of coverage.

The limits of life insurance available by an insurer will depend on your age and health, and the insurance ca...
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What is the cheapest life insurance?

The life insurance offering the lowest rates per $1,000 of coverage is term insurance.

Term insurance is temporary coverage for a specific period of time, up to 30 years.

The shorter the duration (term) of coverage, the lower your annual premium (cost).

So, a 5 year term life policy will cost less per year than a 10 or 15 year term insurance policy.

Learn more about finding the cheapest life insurance protection for your family.
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To find out how much life insurance costs per month you can request and compare instant life insurance quotes online.

Your cost of life insurance will vary by insurer, and will be impacted by several risk factors including your age, gender, tobacco use, lifestyle, driving record, health, family health history, occupation and hobbies, etc. 

The longer your life expectancy, the lower your premiums. In addition, the larger the amount of life insurance, the higher your premiums. 

Smokers usually pay...
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The right time to buy life insurance is the you are young and healthy to lock-in a low rate and guarantee your coverage for the future when you have more financial responsibilities.

However, if you have anyone who relies on you for financial support, now may be the time to buy life insurance protection.

Usually, when you have a mortgage, a spouse and/or kids, you may need life insurance.

Life insurance can help you replace your income for your family, in case you pass away.

Your beneficiaries c...
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