There are several reasons why individuals may choose to purchase a term life insurance policy. Here are some of the top reasons:

• Income Replacement: One of the primary reasons people buy term life insurance is to provide income replacement for their dependents in the event of their death. If the insured person is the primary breadwinner or contributes significantly to the household income, a term life insurance policy can ensure that their loved ones are financially supported and can maintai...

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

It depends on your age, health, and the insurance company guidelines for approval.

However, there are now several insurers that offer no exam term life insurance policies for qualified applicants between the ages of 20 to 60 years old.

In addition, other insurers may offer plans for people ages 18 to 78 years of age, but offer lower maximum limits of life insurance coverage.

Some insurers offer same-day coverage for qual...

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Can I buy short term life insurance online?

Yes. There are many insurers that now offer the option for consumers to purchase their coverage online direct from the insurance carrier.

Short term life insurance offers you the option to choose coverage lasting for a duration of 5, 10, 15, 20, 25 or 30 years of protection.

And, you may apply on-line and begin your short-term policy today, if you qualify for no exam term life coverage.

Here's how to buy short term life insurance coverage.

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Are you considering the purchase of a term life policy?

If so, you may want to consider what are some of the most common reasons people choose to purchase term life insurance.

Although term life is inexpensive, it does have drawbacks. Term life is temporary and you may outlive your coverage, which means your policy expires with no payout if you are alive when the coverage term ends.

However, permanent life insurance can cost up to 5-10 times more than term life for the same amount of protection....

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Yes, it's possible to buy a term life policy without having to take any physical exams.

However, these no exam policies are usually available to healthy individuals between the ages of 20 to 60.

The cost of coverage and the maximum amount of insurance available will vary by insurer, and depend on your age, gender and health, among other things.

Some no exam term policies offer instant coverage, which means you may apply for a policy online and start your life insurance protection immediately upo...

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Is it possible to purchase low cost term life insurance coverage online?

Yes, there are life insurance providers offering you the option to purchase your coverage direct online, and you can compare pricing among several insurers to help you save money.

Additional tips to lower the cost of your life insurance policy include:

• Quit smoking - Smokers pay up to 2-3 times more for the same amount of life insurance as non-smokers.
• Use a needs calculator to decide how much coverage you really need.
• Choose...

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What is the what to get the cheapest term life insurance policy?

If you want to save money on your term life plan make sure you consider these tips:

Purchase coverage while you are young, since prices increase with age.

Get healthy, because people with health issues pay a higher premium for coverage.

It may help to lose some weight, lower your cholesterol levels, and quit smoking, since smokers pay up to 2-3 times more for the same coverage compare to non-smokers.

Use a life insurance needs calcu...
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Is it possible to get immediate life insurance coverage without any delays or hassles?

Yes, there is an A++ rated life insurance carrier that offers same day life insurance protection.

This plan allows you to apply and purchase your life insurance policy direct online - safe and secure.

The coverage comes with a 30 day risk free money back guarantee.

You can choose from $25,000 up to $1,000,000 of quick issue life insurance.

You can apply online for your policy in about 10-15 minutes. And, you may...
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Many people choose to purchase their first life insurance policy when they get married, buy a home, or start a family.

These are all very good times to buy a term life insurance policy, because you can make sure the financial obligations of your home and family do not become a financial burden for your survivors if you were to pass away.

Term life insurance is most affordable while you are young; however, people buy term life insurance coverage at all stages and phases of life...

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Yes, you may be able to buy a term life insurance policy on someone else.

Actually, many people buy life insurance on another person. For instance, married couples buy life insurance on one another, and adult children may buy life insurance on their parents to help pay for their parents' final expenses.

In addition, grandparents buy life insurance on their grandchildren as a way to provide guaranteed lifetime life insurance for their grandchild as he/she grows up.

However, in order to buy life i...
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There are several places you may be able to purchase a term life insurance policy.

Some of the more common places to buy term life insurance include:

1. Contact a local licensed independent life insurance agent.

2. Cal a life insurance company direct.

3. Visit a life insurance website on the internet.

When buying a term life insurance policy make sure to consider the AM Best financial strength rating of the insurance company, how long you have coverage (the term), how long your rate is guaranteed,...
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The length of time for which you should buy a Term Life Insurance policy should be in line with the amount of time your need for life insurance exists.

For instance, if you have a new baby and want to provide for your child if something should happen to you, I would consider a 25 or 30 year Term, to get them through college, and also to cover other children you may have in the future.

If you have just gotten a 30 year mortgage loan on your home, a 30 year Term may be good for...

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