Life insurance policies with no medical exam and no health questions asked are commonly referred to as "guaranteed issue" or "simplified issue" life insurance. Here's an explanation of how these policies work and who may benefit from them:

1. Application process: When applying for guaranteed issue life insurance, you don't need to undergo a medical exam or answer health-related questions. Instead, you provide basic personal information such as age, gender, and contact details. The application i...

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When it comes to shopping for the best price on life insurance there are many options to choose form for quote comparisons.

However, the quickest and easiest place to get life insurance quotes is just to visit a life insurance website, fill out a Quote Request Form, and you will instantly see on your screen the lowest prices available for life insurance from several leading life insurance companies.

Your free price quotes fir life insurance are based on the information you provide on the quote ...
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The proceeds from a life insurance policy, also known as, the death benefits, are paid out to the beneficiary or beneficiaries of a life insurance policy upon the death of the insured person.

The beneficiary contacts the insurance company after the insured has died, to make a claim for the death benefit from the policy.

The insurer will mail the forms to the beneficiary that need to be completed in order to make the claim for the death benefits.

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If you are shopping for a life insurance policy, you may be wondering how much life insurance you can get.

The maximum amount of life insurance someone may be able to purchase will depend on how much coverage the insurance company is willing to insure you for.

That will depend on several variables, including your income, and the amount of your financial responsibilities, among other things.

Of course, your budget may also limit the amount of life insurance you may be able to afford.

Usually, youn...

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Are you looking for the most affordable life insurance coverage?

If so, you'll want to consider the following tips to assist you in getting low cost life insurance protection:

• Compare pricing from several of the leading life insurance carriers.
  
• Buy Life Insurance Now while you are young and healthy, as rates increase with age.
  
• Consider term life insurance instead of permanent life insurance if you need protection for 30 years or less, because permanent usually costs up to 5-10 times more than ter...

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If you are considering the purchase of life insurance, you'll probably want to think about the following questions before making your choice of coverage.

• What goal do you want your life insurance plan to accomplish?
  
• How much life insurance protection do you really need?
  
• How much can you afford to spend monthly on your life insurance policy?
  
• What type of life insurance is right for you?
  

These are just a few of the more important questions to ask when getting life insurance.

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The length of time it takes to get life insurance will depend on the insurance company and the type of life insurance policy you need, in addition to your personal health.

The traditional type of whole life insurance policy requiring a medical exam may take up to 4-6 weeks for you to get insured.

This may vary depending on the medical record requirements based on your health, and how long not takes to receive those records from your Doctor.

There are other types of policies available, including ...

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A purchaser of life insurance is usually someone who has others who rely on him or her for some means of financial support; such as, a parent.

However, whether you are single, engaged, married, divorced, widowed, or have children or grandchildren - you may have a need for life insurance protection.

Many people buy life insurance to replace their income for their family should they die, or to provide the funds needed to pay off a home mortgage loan or to make sure their children have money to at...

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If you are buying life insurance you may be wondering who gets the proceeds from your insurance policy when you die.

It's an important question to consider.

The Beneficiary is the person or persons you choose to receive the death benefit from your life insurance.

You select a beneficiary when you purchase your life insurance.

You may be able to change the beneficiaries after the life insurance policy is "In Force".

And, you may select more than one person to receive a portion of your death benefit...

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If you are looking to purchase life insurance you may be wondering how you can find the most affordable plan.

There are several helpful tips you can follow to save yourself money on your life insurance policy.

For example, did you know that term life insurance is the cheapest type of life insurance available, by far?

And, the younger you are when you purchase life insurance, the lower your cost of coverage because your rate is based in part on your age; as well as, your health, among other key f...

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Yes. There are guaranteed issue life insurance plans available for people between the ages of 45 to 85 years old.

Guaranteed issue means you cannot be turned down for coverage if you meet the age requirements.

So, even if you have health problems or have been denied life insurance from other insurers, you can still get insured.

But, these plans usually come with graded (limited) benefits the first 2 years you are insured.

Learn more about getting life insurance on someone who is dying.

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No. You cannot buy a life insurance policy on someone you don't know.

In order to purchase life insurance on another person you need an Insurable Interest in that person, and you would need their consent - permission to get the insurance.

Usually, the insurance company would require the signature on the application of the person you wish to insure.

That person would need to sign the application for life insurance coverage, which would verify that the person is aware of the life insurance covera...

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There are several good reasons people choose to buy a term life insurance policy instead of purchasing permanent life insurance.

One of the most common reasons is Price.

Permanent life usually costs up to 5-10 times more for the same amount of life insurance compared to term life.

That means, you can buy a lot more protection for your family by choosing a term life insurance policy.

Another popular reason is Flexibility.

With term life you choose the duration of coverage you need your life insuran...

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If you are an adult child you may purchase burial insurance on your Mother, because you have an insurable interest in your Mom.

Burial insurance provides a death benefit payout upon the death of the insured person (Your Mom).

Upon your Mother's passing, the death benefit from the burial insurance will be paid to the beneficiary (You) which can be used to cover the cost of your Mom's burial and related expenses.

There are guaranteed issue burial insurance policies available, so even if your Mom ...

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If you're shopping for a temporary life insurance plan you may be wondering who can buy term life insurance?

Well, it really comes down to just a few things:

1. People between the ages of 18 to 75.
   
2. Can You qualify for coverage based on your health?
   
3. Can you afford to pay the premiums.

If you are between 18 to 75 years old, qualify for coverage and can pay the premiums, you should be able to get term life insurance.

Learn more about who can get term life insurance plans.

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Why would someone buy a final expense insurance policy?

There are several reasons someone would choose to purchase a final expense plan, including:

• To pay for a parent or sibling's final expenses. 
• To pay for their own final expenses.Peace of mind.
• To guarantee their loved ones would not suffer the financial stress of having to find a way to cover the cost of the person's end of life expenses.
  

Many people who do not have enough money saved to pay for their own final expenses choose to purchase a l...
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Which type of term life insurance plan is best for you?

For starters, level term life insurance has by far the most popular type of temporary life insurance plan.

Level Term offers the lowest rates and provides coverage that never decreases during your policy term, and the premiums remain the same for the life (term) of your policy.

In addition, there are other types of term policy, including Decreasing Term, Annual Renewable Term, Return of Premium Term, and No Exam Term.

However, level term off...
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The easiest way to purchase life insurance is quick-issue, simplified term life insurance over the internet.

Today there are several life insurance carriers that offer same-day life e insurance coverage to qualified applicants who are healthy and between the ages of 18 to 60.

You can apply online and qualify to purchase your life insurance plan in as little as 15 minutes.

Although there are no medical exams required, you will be need to answer some health questions.

Learn more about finding the e...

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Is there any life insurance coverage where you can get money back on your insurance policy?

Yes. It's called "Return of Premium" term insurance and it returns almost all of the premiums you paid throughout the life of your policy, if you outlive your policy term.

However, the premiums you pay for this type of life insurance policy are usually much higher than you would pay for a regular term life insurance plan that does not return your premiums.

Learn more about a life insurance policy where yo...

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Can I purchase a life insurance policy on anyone I choose to insure?

No. In order to buy life insurance on someone else, you must have an Insurable Interest in that person, and you need their permission in order to take out life insurance on them. The insurance company may also require the person's signature on the application for life insurance.

Insurable Interest means you either rely on the person for some means of financial support, or that you would suffer a financial loss should the perso...
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If you are shopping for a term life insurance policy, you may be wondering if you get any money back should you outlive the duration of your coverage.

It's a good question and something you should find out about before you buy a policy.

Traditional term life insurance is much cheaper than permanent life insurance, because many people do outlive their coverage.

However, if you are alive when your term policy expires, there is no payout of benefits and no premium return.

You don't get any money bac...

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If you're shopping for a mortgage insurance policy it may be easier than you expected to get insured.

In fact, you can compare the lowest pricing on mortgage life insurance by requesting free quotes and instantly comparing the lowest rates.

There are even mortgage life insurance policies available with no medical examination needed for healthy individuals between the age of 20 to 60.

Some insurers even let you apply online and start your policy today, if you qualify for coverage.

Learn more about...

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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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If you haven't planned for your burial and funeral (final expenses) yet, you may be considering the purchase of a funeral insurance policy.

But, where can you buy a funeral insurance plan?

Today, there are several insurance carriers that offer funeral expense policies you can get online.

Some of the leading providers of funeral plans include United of Omaha, Colonial Penn and Met life, among others - and they all offer free quotes you can request online to find out how much your funeral insuranc...

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Can I buy a life insurance policy on my grandfather?

Yes, adult grandchildren may purchase life insurance on their grandparents.

In fact, many parents of elderly people, and even adult grandchildren purchase life insurance on their grandparents.

The fact is, many seniors may not have enough money saved to cover the cost of their final expenses, including a burial, funeral, casket, memorial service, etc.

And, with the average cost of final expenses around $8,000 - it can be a costly undertaking to...
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Are you in need of life insurance protection that starts today?

If so, you may want to consider Haven Life, which offers healthy, qualified individuals the option of purchasing top to $1,000,000 or more of affordable life insurance online today.

With Haven Life you can get a free quote, apply online and begin your life insurance coverage right away, if you qualify.

They offer the quickest and easiest way for healthy people ages 20 to 60 to get insured at affordable rates.

Learn more if you need l...
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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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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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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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There are several ways you can compare prices on life insurance including: request free quotes online, contact a local life insurance agent, or call life insurance companies direct, one-by-one to get your price quotes for life insurance.

The process of requesting life insurance quotes online is simple, you just visit a life insurance website, fill out a "Quote Request Form", and receive your free price comparisons.

Since rates for life insurance coverage vary by insurance carrier, you may save ...
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I need burial insurance but I don't know how to get insured.

If you need life insurance to cover the cost of your burial there are burial insurance policies that offer guaranteed approval for people between the ages of 45-85.

Guaranteed approval means you are guaranteed coverage if you meet the age requirements.

Although some life insurers may have different age requirements for guaranteed acceptance, United of Omaha offers coverage for people 45-85.

The amount of life insurance coverage availabl...
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Yes, there are no medical exam life insurance plans available.

In fact, some insurers allow you to apply for coverage online and begin your coverage the same day.

No exam life insurance does require the applicant to be healthy and most simplified issue term life insurance plans require you to be age 60 or below.

However, there are guaranteed issue policies available for people between the ages of 45-85.

When purchasing a no exam plan make sure you consider how long the risk free money back guaran...
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How can I purchase a life insurance policy if I have applied to an insurer and been turned down?

There are a couple options that may work for you.

You could contact a life insurance broker who specializes in placing life insurance through high risk insurance companies for people who have been denied insurance.

Or, you could get guaranteed issue life insurance if you meet the age requirements for approval.

In addiiton, you may be able to contest the medical exam results, or ask for another exam, i...
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Is it possible for a smoker to get life insurance protection?

Yes, in fact, depending on how often you smoke, you may be able to qualify for good rates on your life insurance policy.

There are a few insurance carriers that are more lenient when it comes to classification of a smoker for life insurance and may offer better pricing based specifically on your actual frequency of smoking.

In addition, there is life insurance available for people who smoke cigarettes, e-cigs, pipes, cigars, marijuana...
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How do you decide what duration (term) to buy for your term life insurance policy?

Actually, it's easier than you think. 

Just ask yourself this question - How long do I need life insurance to accomplish my life insurance goals?

So, if you want to make sure your new one is paid off in case you pass away before the 30 year mortgage is paid off, then choose a 30 year term for your term life policy.

If you want to make sure your 3 year old has enough money to go to college in case you pass away, the...
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What is the easiest way to get an affordable life insurance policy? 

The easiest approach to purchasing life insurance is to shop, apply and buy your policy over the internet. 

Today, a consumer like you may qualify to purchase up to $1,000,000 of affordable life insurance protection within the hour. 

That's right. In fact, one "A++" rated life insurer offers you a way to apply for your policy online in about 15 minutes. And, find out in as little as 1 minute (after applying) if you qualify for ...
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If you're considering the purchase of a life insurance policy, it may be because you actually need protection.

Many of us think about life insurance when a major life event occurs; such as, a family member passing away, buying a new home, getting married, getting a promotion at work, or having a child, etc.

If you have anyone who relies on you for financial support, you may need life insurance to guarantee their financial security in case you die.

Life insurance can be used by your beneficiaries...
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The need for term life coverage applies equally to income-earning spouses, and there are strong arguments for acquiring life insurance for a partner or spouse who is not drawing an income, as well.

For instance, losing a stay-at-home spouse can lead to dramatically increased child-care costs, time away from work for the surviving spouse, final expenses, the settling of outstanding debts, and these are just a few of the financial aspects of such a serious loss as the death of ...

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Yes, you may need life insurance now that you are getting married.

One of the primary reasons for getting life insurance after getting married is for income protection purposes so your spouse can maintain the same lifestyle for a given amount of time without having to worry about financial matters.

When a family loses an income stream due to the death of a spouse, the surviving spouse often has to make a dramatic shift in lifestyle choices with no way to have that income immedi...

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Yes, there are life insurance carriers that offer whole life insurance plans without requiring the applicant to take a health exam.

However, the amount of coverage available may be limited based on your age and health.

Some carriers offer single premium whole life insurance with no exam but the minimum premium may be a one-time payment of $10,000.

In addition, there no exam whole life insurance plans with guaranteed acceptance for people age 45 to 85. These plans are often used as a means of pro...
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It is possible to buy life insurance for your parents if you have an insurable interest in them.

Children do have an insurable interest in their parents since they may rely on their parents for financial support, or suffer financial loss if their parents were to die.

However, some insurers may require that the child have the permission of the parents, and sign the application, as well as, answer some health questions when you apply for the life insurance policies on your parent...

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Yes, you can purchase life insurance on your ex.

If you have insurable interest and your ex spouse gives you permission then you can get life insurance on your ex. 

In fact, it may be wise to include life insurance coverage requirements in your divorce settlement. This way financial obligations such as child support can be protected for the future.

If the spouse paying child support passes away, the life insurance will be paid out the the guardian of the child and the child w...

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After you apply for a life insurance policy It can take anywhere from hours, to months to be approved for your life insurance coverage.

If you are applying for a simplified issue life insurance policy that requires no physical exam or medical records, it can be signed digitally and approved on the phone, it may even go into effect the same day you apply.

The cons of a simplified issue life insurance policy: this type of life insurance policy does not dig too deep into your h...

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The best term life insurance is the best term life policy at the lowest premium to meet your unique personal life insurance needs.

First, you'll want to compare multiple term life insurance rate quotes among several of the leading life insurance companies to find the right combination of term life plans that will meet your exact needs and be sure you are purchasing them at the very best premiums.

When comparing rates and plans, make sure you consider:

1. The term of the policy ...

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When you take a medical examination for a life insurance policy, you usually have a blood test and urine test in addition to the health questions and vitals check.

For older people the life insurance company may ask you to complete an EKG as well a mature assessment which looks at cognitive and mobile abilities. Seniors may be asked to perform the mature assessment.

Some common things life insurers look for in these health tests may include cholesterol levels, A1C (Blood Sug...

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Whole Life Insurance offers features that many other types of life insurance plans do not. Not all of these are part of every Whole Life Insurance policy, but some of these features are:

• Coverage that will last your entire lifetime.
  
• Cash value accumulation that can be used for personal use by tax free loans.
  
• Dividends may accumulate over time (with a Mutual Life Insurance Company)
  
• The ability to pay up your entire premiums in a limited number of years.
  
• The ability to quit paying...

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Yes you may qualify for life insurance with epilepsy in most cases, although you will pay a higher price than a "standard" risk would at the same age for the same type and amount of life insurance.  

When you find an independent life insurance agent that you feel comfortable with, give as much information as you have such at the date you were first diagnosed with epilepsy, all medications that you currently take, whether or not they involve this disease.

The life insurance age...

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You can buy a life insurance policy on your brother if you have an “insurable interest” in his life. 

This could include being his custodian if he is not yet an adult, or handicapped, being his business partner, being responsible for his outstanding debts, and other scenarios. 

It would be challenging to think of an instance when you would be denied the privilege of insuring your brother.  Of course, your brother has to cooperate. This means, he will need to answer some...

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Good life insurance is life insurance coverage that pays the death claim on the insured when the insured dies.  

Not all life insurance companies are the same when it comes to price or coverage.  

Although they may offer many of the same types of life insurance, they may be priced differently, or the insurance carrier may have a higher of lower financial strength rating.

Most life insurance companies have a niche which there product is very competitive, while other classes of ...

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Yes, most people who have had a heart attack may be able to qualify for life insurance coverage.

If you were under age 40 when you had your heart attack, you may need to settle for a guaranteed issue life insurance plans or simplified issue life insurance coverage.

If your heart attack was at an older age, your heart function is still good, you have addressed any issues that led to the heart attack (CAD, diet, etc), and several years have passed since having your heart attack,...

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Yes, people over age 70 may qualify for life insurance coverage.

It depends on the person's age and health, and the life insurance company's guidelines for approval.

In addition, the type and amount of life insurance the person needs will impact acceptance, and the cost of the life insurance policy.

It would be easier for someone over 70 to qualify for a term life insurance plan providing coverage for 10 years or less, instead of a permanent life insurance policy providing lifetime protection.

In...
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If you have diabetes and need life insurance you may be wondering if you can even qualify to purchase a life insurance plan.

Some life insurance are more willing to insure people with diabetes, while other insurers are more strict with their approval guidelines when it comes to insuring diabetics for life insurance.

Whether or not you qualify for a diabetic life insurance policy will depend on the insurance company and your own personal risk factors.

Your risk factors will include your age, heal...
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Yes, you may be able to qualify for life insurance if you have Grave's Disease.

If your Grave's Disease is in remission, or has caused hyperthyroidism that is is well controlled by medication, Grave's Disease will not make much impact on the rate you are charged for your life insurance policy.

If combined with other health conditions, or if you have some health complications from Grave's Disease, you might be rated up or even turned down for some life insurance policies.

Howe...

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As long as you have an insurable interest you can buy a life insurance policy on another person.  That interest need only be present at the time you purchase the life insurance policy.  If that interest ceases you can still own the life insurance policy on the other person's life. 

In addition, you may need the person you want to insure to sign the application for life insurance and answer some health questions.

There are many scenarios where this is practiced and generally is...

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Yes, type 1 diabetics can may qualify for life insurance, and sometimes a person with type 1 diabetes will have an easier time finding affordable life insurance coverage than a person with poorly controlled type 2 diabetes.

With good control of your diabetes and no side effects, type 1 diabetes life insurance can be issued in a life insurance policy that pays 100% from day one and has no limit on the face amount. This means, you would have full coverage immediately once you a...

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Have you been turned down for a life insurance policy? 

There are many reasons people may be turned down for life insurance coverage; such as, due to your age, health, driving record, use of illegal drugs, etc.

However, if you have been turned down when you applied for coverage, you may still have other options available to get insured.

For instance, guaranteed issue life insurance plans offer no exam life insurance with a limited amount of life insurance coverage available. In fact, some plans ...
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You can get life insurance quotes over the internet by visiting a life insurance website offering life insurance quote comparisons.

Some websites have access to life insurance brokers that sell your information to others and will contact you by email or phone about your quote request.

While others provide instant life insurance quote comparisons from a large network of life insurance companies with no delay. That way, you can see for yourself without any delay which life insurance carriers may ...
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If you are just looking for a burial type life insurance policy which you would like to give to your child as a gift when they are an adult, perhaps when they have a family of their own, you might just start off with a $30,000 life insurance plan.

Underwriting is usually minimal in most cases on life insurance policies for children, meaning there is no health exam and few health questions. You can even get a quote and apply online for your child's life insurance plan in about...

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No, not anyone can take out a life insurance policy on you.

They must have a financial relationship to you, or be a very close relative. The insurance company requires that someone taking out life insurance on another person must have an "Insurable Interest" in that person.

Someone to whom you owe a large amount of money could take out a life insurance policy on you, so that they would get paid if you passed away.

Or, a relative could take out life insurance on you to help pay...

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Using an online life insurance broker with access to a large network of life insurance carriers that specializes in "impaired risk" life insurance is a good way to make sure that you are getting the best possible rate on diabetic life insurance coverage.

If you're just looking for a small life insurance policy with no health exam required, there are also lots of choices, and again, diabetic control can make a big difference in what life insurance policy you qualify for and w...

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Yes, seniors may qualify to purchase life insurance to pay for their burial expenses.

Average cost of a funeral and burial may exceed $7,500 according to surveys from Funeral Directors.

Seniors age 78 and under may qualify to purchase up to $30,000 of life insurance coverage to help provide the funds to pay for their burial and funeral costs.

In fact, seniors can apply online for a policy with no health exam required, but there may be a few health questions to answer.

There is an "A+" rated life ...
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Yes, you can get life insurance even if you have ulcerative colitis.

If you want more than $25,000 of life insurance coverage, the insurance company will most likely require your medical records. The life insurance company will check to see if your ulcerative colitis condition is stable and mild to moderate, which should qualify you for a life insurance policy.

However, any recent flare ups, surgeries, certain prescriptions, or complications such as liver disease, could caus...

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Yes, you may be able to get life insurance on your brother.

The life insurance company requires an insurable interest in the person you want to insure for life insurance.

Insurable interest means you rely on the person for some form of financial support, or you would suffer financially if the person were to die.

Insurable interest does exist between spouses, parents and their children, and siblings, among others.

So, you could buy life insurance on your brother, but you may need his permission, s...
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No, you can't buy life insurance on just anybody.

The life insurance company will require you to have an "Insurable Interest" in the person you want to insure for life insurance.

Insurable Interest means you rely on the person for financial support, or stand to lose money if the person dies. 

Insurable Interest does exist between spouses, siblings, parents and their children, relatives, and business partners, among others.

So, for instance, you may insure the life of your parent, but you will nee...
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People with diabetes can get life insurance, and there are some ways that you can help yourself get the best price on your life insurance policy.

Life insurance companies will consider your age, health, type of diabetes, if you smoke, how long ago you were diagnosed with diabetes, if you are insulin dependent, if you have any health problems related to your diabetes, how often you test your blood sugar levels, and other measures you take to properly manage your diabetes.

Many ...

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You may or may not be able to qualify for life insurance if you are an alcoholic. It will depend on your age, health, and other risk factors related to your drinking.

The life insurance companies look at several factors in determining if they wish to issue a life insurance policy for coverage.

Have you been to AA? Have you been to a treatment facility for alcoholism?

If you are an alcoholic, are you being treated for kidney problems?

What is your record as far as being arrested f...

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Whether or not someone with cancer can buy life insurance may depend on the type of cancer, stage, treatment and the period of time since all treatment has ended.

Certain types of cancer, such as most forms of skin cancer, if caught early and "cured", should not prevent someone from qualifying to buy a life insurance policy, depending on the stage of cancer and treatment, rates for your life insurance policy may be standard or higher.

Other forms of cancer may be insurable an...

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If you have COPD it is highly unlikely you will be able to qualify for life insurance coverage.

However, it will depend on your personal health history provided through a pre-screening process that would tell you what to expect for a rate classification on your life insurance policy, if qualified.

It is unlikely a person would be considered a standard risk with COPD, but that person may get a table offer from a carrier at a much higher rate than standard, depending on your hea...

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Yes, you may be able to qualify for life insurance coverage if you have diabetes.

However, it will depend on the status of your health and your diabetes.

The life insurance company will ask about your history of diabetes, when you were diagnosed, if you have type 1 or type 2 diabetes, how you manage your diabetes, are you insulin dependent, how often you check your blood sugar levels, do you have any health problems related to your diabetes, your height-to-weight ratio, etc.

In addition, the lif...
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How can I get life insurance quotes?

You can get free, instant life insurance quote comparisons on the internet by visiting a life insurance quote provider like Efinancial.

Or, you can contact a local life insurance agent, or call individual life insurance companies direct for a quote.

I recommend Efinancial for several reasons when it comes to comparing life insurance rates:

1. It only takes a few minutes.

2. No need to meet with a life insurance agent.

3. No high-pressure sales pitch.

4. No obliga...
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In order to buy life insurance on another person the insurance company will require that you have an insurable interest in that person.

Insurable interest basically means you ely on the person for financial support, or you stand to lose out financially if the person were to die.

There does exist insurable interest between parents and their children, so you can buy life insurance for your mother.

However, in order to get life insurance on your mom, you may need her permission, signature on the ap...
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Yes, you can almost always get life insurance while having lupus.

If your lupus is severe enough to cause kidney damage, anemia, pleurisy, pericarditis, or brain dysfunction, you will most likely need to take a simplified or guaranteed issue life insurance policy.

A guaranteed issue life insurance plan has a graded death benefit which means you need to be insured for at least 2 years before you have full coverage under your life insurance policy.

If it is mild, you can get med...

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Getting life insurance with a DUI on your driving record may be possible.

The price you pay for your life insurance if you have had a DUI will largely depend on how long ago the DUI occurred, if there was any alcohol treatment involved, and if a second DUI occurred after that?

You may not be able to get a medically underwritten life insurance policy if you have had a recent DUI.

However, you may be able to qualify  for a simplified issued life insurance policy a year or two aft...

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If you own the life insurance policy that is insuring your life. the person who gets your life insurance death benefit upon your death is the person you name as beneficiary on your life insurance policy.

If someone else is the owner of the life insurance policy insuring your life, the owner gets to choose the beneficiary, although as the insured person, you may have a say in choosing the beneficiary.

However, if the beneficiary is responsible for your death, the secondary bene...

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To get life insurance on someone else, you can go to any life insurance website or insurance agency that offers life insurance coverage.

If they want to see someone face to face, you should contact a place near the person you want to insure for life insurance.

If the person you want to insure for life insurance will be signing a digital application online, they can do it from across the nation from you and/or your insurance agent.

In order to buy life insurance on another pers...

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Yes, you may be able to get life insurance after having a heart attack.

Whether or not you qualify for life insurance may depend on several factors, including but not limited to:

1. How long ago was your heart attack?
2. Have you made a full recovery?
3. Did you have heart surgery?
4. Are you on medication?
5. Do you have regular check-ups?
6. Your Age.
7. Your height-to-weight ratio.

Although you may or may not qualify for a regular life insurance policy, there are guaranteed issue life insurance pla...
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