Can I buy a term life insurance policy without taking a medical exam?

Yes. And, you can compare no exam term life insurance quotes online by visiting a life insurance website and requesting your free quote.

Some insurers offer up to $500,000 of coverage with no exam, while one highly-rated insurer offers up to $2,000,000 of no exam life insurance coverage.

Here's how to get term insurance quotes with no medical check up.

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If you own a term life policy, you may be wondering what happens when your coverage ends.

At the end of your policy term, your life insurance coverage expires, which means you are no longer insured.

You may have the option to renew your coverage for an additional term, usually for a period of up to ten years.

Your premium at renewal of your policy will increase based on your age at that time.

Or, you may choose to go without any life insurance coverage.

Another option would be to buy a new life in...

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Yes, the beneficiary of a life insurance policy can claim the money from the death benefit of a life insurance policy.

In fact, only the beneficiary may make claim for a death benefit, if the beneficiary is alive to make a claim.

In order to claim the money as beneficiary you must be named as a beneficiary in the life insurance policy, and the insured person must have died while the coverage was In Force and the premiums paid up to date.

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If you've been denied life insurance, you may be wondering why that happened?

There are many common reasons for being turned down for life insurance, including your age, health, occupation, high risk hobbies, or poor credit history.

However, even if you have been denied life insurance, you may still be able to get insured.

Some insurers specialize in covering high risk applicants, and they may offer guaranteed issue life insurance plans.

Learn more about being denied for life insurance coverage.

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Yes, a life insurance policy can expire.

Term life plans provide temporary coverage lasting for a set period of time, usually up to a maximum period of thirty years.

However, you may be able to choose a policy duration (term) of 10, 15, 20, 25 or 30 years.

If you are alive when the term life insurance expires, the coverage ends.

You may have an option to renew your policy for another term of 10 years or less, if you still need coverage.

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Does Life Insurance Pay for Funeral Expenses?

Yes, the death benefit from life insurance can be used to pay for your funeral expenses.

When buying a life insurance policy, you select a beneficiary, and that person may use the death benefit proceeds from your life insurance to pay for your funeral.

Life insurance for funeral costs provide the security your family needs, when they need it most.

Learn more about buying life insurance for funeral expenses.

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Term life insurance offers the most affordable life insurance protection, lasting for a period of up to thirty years.

You can purchase term life coverage on yourself, your spouse or partner, and on your children.

You may be able to add coverage for your children to your own term policy, through the process of adding a rider for child coverage, for which you pay an additional premium.

Learn more about buying term life insurance for your family.

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Are there any causes of death that are excluded by a term life insurance policy?

Yes, there are several exclusions in a term life policy, included but not limited to the following:

• Suicide if it occurs within the first two years you are insured (one year in some states).
  
• Illegal Activity.
  
• Dangerous Activity.
  
• Act of War.
  
• Aviation.

These are some of the more common types of exclusions that would be stated in an insurance contract providing term life insurance coverage.

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