Browsing Archive: May, 2018

Can I Buy Life Insurance without a Mortgage?

Posted by hadley hadley on Tuesday, May 29, 2018, In : Life Insurance FAQ's 

Did you know you can buy life insurance whether or not you own a home and have a mortgage?

Yes, that’s right, you can buy life insurance if you don’t have a mortgage.

Who Can Get Insured for Life Insurance?

So, if you don’t need a mortgage to get life insurance, who can buy a life insurance policy?

Well, any adult can purchase a life insurance policy and choose to name anyone they wish to be the beneficiary of the policy.

The beneficiary is the person(s) who receives the death benefit payout...


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Why Would I Be Denied Life Insurance?

Posted by hadley hadley on Saturday, May 26, 2018, In : Life Insurance FAQ's 
Are you finding it difficult to get insured for life insurance?

If so, you may be wondering why you were turned down or declined for a policy.

First, you should know that not everyone may qualify for life insurance.
 

The insurance company sets guidelines for applicants that qualify based on several factors including age and health.

There are several reasons an insurance company may deny you for life insurance, including:

Health, age, occupation, hobbies, etc.

For example, many life insurers 
won't i...
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How Much Life Insurance Do I Need?

Posted by hadley hadley on Wednesday, May 23, 2018, In : Life Insurance FAQ's 

If you’re considering the purchase of a life insurance policy to protect your loved ones, one of the most important questions you’ll ask yourself is "How much life insurance to buy?

Choosing the right amount of life insurance is a major factor in providing your family with the financial security they will need in case you pass away. 
And, it has the added benefit of making sure you aren’t paying for more life insurance than you actually need, given your goals and personal situation. 

The m...


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Can You Get Life Insurance with Pre-Existing Conditions?

Posted by hadley hadley on Friday, May 18, 2018, In : Life Insurance FAQ's 


Do You Have a Pre-Existing Health Condition and Need Life Insurance?

If so, you may be wondering if it’s possible to get insured, if it will be affordable, and how much coverage you can get.

These are all good questions and concerns that many just like you with a health condition may be considering when in need of life insurance protection.

The answer to your question is
 "Yes", you can get life insurance with an existing health problem.

There are plans available that offer insurance to those wi...


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Life Insurance with No Blood Testing?

Posted by hadley hadley on Tuesday, May 15, 2018, In : Life Insurance FAQ's 
Can I purchase life insurance without any blood tests?

Yes, you can get insured for life insurance without any testing of your blood.

This type of policy is called
 "Quick Issue" life insurance.

Now, some life insurance companies have made available the option of allowing you to buy your policy without taking a health exam, or having your blood tested.

You can even apply for a policy online – 
Safe and Secure – and begin your coverage immediately, if you qualify. 

Here's how to get life insuranc...

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When Does a Term Life Insurance Policy Payout a Claim?

Posted by hadley hadley on Saturday, May 12, 2018, In : Life Insurance FAQ's 

Typically, a term insurance policy benefits are paid when the insured has died, and the beneficiary files a death claim with the insurance company, submitting a certified copy of the death certificate.

Many states allow life insurers 30 days to review the claim. Then they can pay it, deny it or ask for additional information.

Most life insurance companies pay out benefits within 30 to 60 days of the date of the death claim.

There is no set time frame but insurance companies are motivated to pay...
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Funeral Burial Insurance Plans

Posted by hadley hadley on Wednesday, May 9, 2018, In : Life Insurance FAQ's 

Burial insurance and funeral insurance is a whole life insurance policy designed to cover the cost of a person’s funeral and/or burial.

These types of life insurance plans may be called burial insurance, funeral insurance or even final expense insurance.

Usually, these policies provide from $2,500 up to $20,000 or more of life insurance protection, and there is no health exam required which makes it easier for you to qualify and purchase your policy.

These plans are made for the purpose of pr...


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Shopping for the Best Life Insurance Quotes

Posted by hadley hadley on Sunday, May 6, 2018, In : Life Insurance FAQ's 

Are You Looking for the Best Quotes on Life Insurance to Protect Your Loved Ones?

The quickest and easiest way to find the best prices from the highest-rated insurance companies is to compare pricing from a network of leading life insurers online.

You probably don’t have the time to call up every single one of the more than 700 life insurance carriers in America to find the best deal. And now you don’t have to.

Today you can request and compare the best prices for term life insurance from ov...
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Direct Term Life Insurance Plans

Posted by hadley hadley on Thursday, May 3, 2018, In : Life Insurance FAQ's 

Are you in need of direct term life insurance protection for your family? 

Whether you need $50,000 or $250,000 of life insurance, you can get covered today direct from the life insurance company. 

Now you have the option of purchasing your term life insurance policy online direct from the carrier thanks to the advances of technology and the fact that many life insurers now offer the purchase of life insurance direct over the internet. 

In fact, one "A++" rated life insurance carrier now offers ...

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