Is it possible to purchase life insurance without any health questions?

Yes, in fact, several insurers now offer guaranteed approval life insurance plans with no questions asked about your health.

However, the amount of coverage available is usually limited to around $20,000.

But, one highly-rated life insurer offers up to $25,000 life insurance no questions asked.

If you need more coverage you may purchase a policy form more than one guaranteed issue life insurance company.

These plans may offer ...
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When it comes to shopping for life insurance there are several different types of plans to choose from; however, the two basic types of coverage are Term Life and Whole Life.

Term life is a type of temporary coverage providing you with protection for a set period of time, usually lasting up to 30 years.

Whereas, whole life provides lifetime protection for as long as you live, usually.

Each of these two plans offer variations; for example, with term life there are annually renewable plans, decrea...
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Is it possible to purchase a burial life insurance policy direct from the insurance carrier?

Yes in fact, several insurers now offer consumers the option to visit the insurer's website and purchase a policy online.

Many insurers offer burial expense insurance coverage with guaranteed issue policies offering form $3,000 up to $20,000 or more of insurance protection for burial costs.

These plans that offer guaranteed approval mean you won't have to take a medical exam or answer any questions about...
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What is Haven Life?

Haven Life is a wholly owned subsidiary of MassMutual that offers Instant term life insurance policies for qualified applicants.

With haven Life you can apply for up to $2,000,000 of term life insurance online in about 15 minutes. Your application may be approved within a matter of minutes. Once approved, you may start your life insurance coverage right away.

Haven Life usually accepts all healthy individuals between the ages of 18 to 60.

Haven Life offers the quickest and eas...
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Yes, there are insurers offering $25,000 of life insurance coverage. although most insurers offer a minimum of $50,000 or $100,000 of life insurance.

These smaller life insurance policies are usually available for people over age 40 and may provide guaranteed approval for those meeting the age requirements.

For example, United of Omaha offers up to $25,000 of whole life insurance with no health exams and no health questions asked. People age 45 to 85 are guaranteed approval for a policy.

Many pe...
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Yes, there are life insurance companies that offer smaller life insurance plans providing $15,000 of coverage.

These policies are usually issued for seniors or high risk people and offer guaranteed approval for people who meet the age requirements for acceptance.

For example, one highly-rated life insurance carrier offers guaranteed life insurance for people ages 45 to 85.

You can choose from $3,000 up to $25,000 of guaranteed issue life insurance.

There's no health exam required and no health q...
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Can sick people considered a high risk for life insurance get insured?

Yes, there are life insurance carriers which specialize in insuring people considered a high risk due to health issues.

In addition, there are guaranteed issue life insurance policies available for people ages 45 to 85.

Guaranteed issue means you cannot be denied coverage due to any health problem, as long as you meet the age requirements and live in a state where the insurer is licensed to do business and offers the plan.

Le...

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Can I buy a life insurance policy to cover final expenses without answering any questions about my health?

Yes, if you meet the age requirements for guaranteed approval there are guaranteed issue final expense life insurance plans with no health exam required, and no health questions asked.

These plans usually offer up to $20,000 (or more) of life insurance protection.

And, your approval for a policy is guaranteed if you meet the age requirements, which vary by insurer.

For example, one highly-ra...
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Can I buy a funeral insurance policy on either or both of my parents?

Yes, adult children with an insurable interest on their parents may purchase funeral life insurance plans on their parents.

I your folks don't have much money saved, live on a tight budget, or haven't planned for their final expenses, it may be a good idea for you to plan ahead so you aren't stuck with a sizable bill without the funds to pay it when the time comes.

Today, the average cost of a funeral, burial and related expen...
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