Yes, you can typically buy life insurance for your grandparents, but there are some considerations to keep in mind. Life insurance for grandparents can provide financial support for their final expenses, help cover outstanding debts, or leave a legacy for the family. Here are some key points to consider:

1. Consent: In most cases, you will need your grandparents' consent to purchase a life insurance policy on their behalf. They will likely need to participate in the application process, which m...

Getting a $30,000 life insurance policy if you're a man over 60 is a smart move. Here's how to do it:

1. Find an Insurance Agent: Start by finding a reputable insurance agent or company. You can ask friends or search online for options.

2. Assess Your Needs: Talk to the agent about your needs and why you want the policy. They'll help you figure out the right type of policy.

3. Choose the Type: Decide between term or whole life insurance. Term is cheaper but lasts for a specific time. Whole life lasts y...

Life insurance is often associated with the young and the financially responsible, but it's never too late to ensure your loved ones are protected, even if you're 83 years old. Here's a step-by-step guide on how to purchase a $10,000 life insurance policy tailored to the unique needs and circumstances of seniors.

1. Assess Your Needs and Goals

Before diving into the process of buying life insurance, it's essential to understand your objectives. Are you looking to cover your final expenses, le...

The cost of a $20,000 life insurance policy can vary widely depending on several factors, including:

1. Type of Policy: There are different types of life insurance policies, such as term life insurance and permanent life insurance (whole life or universal life). Term life insurance typically has lower premiums for a specific term (e.g., 10, 20, or 30 years) but does not build cash value, while permanent life insurance lasts for your entire life and may have higher premiums but also includes a cas...

However, it's important to be aware that the availability of specific coverage amounts and policy types may differ based on the insurance company and their particul...

Yes, it's possible to buy a $15,000 life insurance policy. Such a policy is often referred to as a small whole life insurance or final expense insurance policy. These policies are designed to cover end-of-life expenses, such as funeral costs, medical bills, and other financial obligations that arise after a person's passing.

Here are a few things to keep in mind when considering a $15,000 life insurance policy:

1. Coverage Type: A $15,000 policy is generally a form of whole life insurance. Whole l...

Yes, you can generally purchase a life insurance policy with a coverage amount of $10,000. However, keep in mind that the availability of policy options and coverage amounts can vary depending on the insurance company and the type of policy you're looking for.

Life insurance policies come in different types, such as term life insurance and whole life insurance. Term life insurance provides coverage for a specific period (the "term"), while whole life insurance provides coverage for your entire...

"Final expense" or "burial" life insurance is a type of life insurance designed to cover the costs associated with a person's funeral, burial, and other end-of-life expenses. It is often marketed to individuals between the ages of 50 and 80, although eligibility requirements and available coverage may vary depending on the insurance provider.

Here's why people might consider final expense life insurance:

1. Covering Funeral Costs: Funerals can be expensive, and final expense insurance helps ensure...

Life insurance is generally more challenging to obtain for someone who has cancer or any other serious health condition. Insurance companies assess applicants' risk levels before offering coverage, and pre-existing health conditions like cancer can significantly impact their decision.

When someone applies for life insurance with a history of cancer, the insurance company will likely take several factors into consideration, including:

Deciding how much life insurance to buy is an important financial decision that requires careful consideration of your current financial situation, future needs, and the well-being of your dependents. Here are some steps to help you determine the appropriate amount of life insurance coverage:

In most cases, you cannot directly buy life insurance for your ex-husband without his consent. Life insurance typically requires the insured person's consent and participation in the application process. As an ex-spouse, you generally don't have an insurable interest in your former spouse's life, which is a key requirement for purchasing life insurance on someone else's life.

However, if you have children together and there are court-ordered financial responsibilities or child support involved...

To buy term life insurance for your adult children, you generally need to follow these steps:

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

Fnal expense or burial insurance, which is a type of life insurance designed to cover end-of-life expenses such as funeral costs, medical bills, and other related expenses. Here are the general steps involved in purchasing an end-of-life insurance policy:

Yes, there is life insurance available for people with COPD (Chronic Obstructive Pulmonary Disease). While COPD may present some challenges when applying for life insurance, it is still possible for individuals with this condition to obtain coverage.

People with COPD may need life insurance for several reasons:

1. Financial protection for loved ones: Life insurance provides financial protection for the policyholder's beneficiaries in the event of their death. It ensures that their loved ones will ...

When seeking the most cost-effective life insurance option for individuals over 60 years old, term life insurance emerges as the cheapest choice. Term life insurance provides coverage for a specific duration, typically ranging from 10 to 30 years. Let's explore why term life insurance is often the most affordable option for this age group: 1. Affordability: Term life insurance is generally less expensive than permanent life insurance, such as whole life or universal life insurance. The premi...

Getting life insurance for seniors with poor health can be more challenging, but it's not impossible. Here are some steps to help you in the process:

1. Assess your needs: Determine why you need life insurance. Consider factors like final expenses, outstanding debts, or leaving a financial legacy for your loved ones. Understanding your needs will help you determine the appropriate coverage amount.

2. Research insurance companies: Look for insurance companies that specialize in providing coverage for ...

Cremation life insurance, also known as final expense insurance or burial insurance, is a type of life insurance policy specifically designed to cover the costs associated with cremation or burial after a person's death. It is a form of whole life insurance, which means it provides coverage for the insured person's entire lifetime as long as the premiums are paid.

Here are some key features of cremation life insurance:

1. Coverage Amount: Cremation life insurance policies typically offer lower d...

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...

Preparing for the end of life is a responsible and caring decision. In Florida, many individuals opt for final expense life insurance to ensure that their loved ones are not burdened with the financial costs associated with their passing. In this blog post, we will provide a step-by-step breakdown of how final expense life insurance works and discuss the reasons why it is a popular choice for Floridians to cover their final expenses.

Step-by-Step Guide to Final Expense Life Insurance

Step 1: As...

Here's a step-by-step explanation of final expense life insurance coverage and why people in Ohio choose to get it:

Step 1: Understand final expense life insurance coverage: Final expense life insurance is a specific type of insurance policy that is designed to cover the costs associated with a person's funeral and other final expenses.

Step 2: Know the purpose of the coverage: The main purpose of final expense life insurance is to provide financial assistance to the family or loved ones of the...

Assessing Needs and Options The journey begins with a thorough assessment of your unique circu...

Final expense life insurance, also known as burial or funeral insurance, is a type of life insurance specifically designed to cover the costs associated with a person's funeral, burial, and other related expenses. It is typically a smaller policy with a lower coverage amount compared to traditional life insurance policies.

People who typically purchase final expense life insurance are individuals who want to ensure that their end-of-life expenses are covered, and they do not burden their loved...

There are many choices and factors to think about when it comes to life insurance policies. A $50,000 no exam life insurance policy is one of the most well-liked and practical types of coverage for people 64 and over. We will go over how to buy a policy of this kind in this blog post.

Determining eligibility is the first stage in the process of buying a $50,000 no exam life insurance policy for a person who is 64 years old or older. In general, applicants for this kind of policy must be betwee...

No medical exam life insurance is an attractive option for people over 50 who want to purchase life insurance without undergoing a medical exam. This type of insurance policy is designed to provide coverage without the need for a medical exam, making it a popular option for people who may have pre-existing health conditions or who simply want to avoid the inconvenience of undergoing a medical exam. In this article, we will discuss the types of life insurance plans available, how they work, an...

• $5,000
  
• $10,000
  
• $20,000
  
• $30,000
  
• $50,000
  
• $100,000
  

• Get Insured Now - The younger you are when you buy life insurance, the lower your cost, because rates are based in part on your age.
  
• Choose Term Life - Permanent life insurance usually costs up to 5-10 times more than term life insurance because term life is temporary coverage providing insurance for 10, 15, 20, 25, 30, ...

A Renewable Option is a Clause in a Term life insurance policy that allows you to extend your life insurance coverage beyond the original term, even if your health has declined, usually on an annual basis, and without a medical examination required in order to qualify for the renewal life insurance policy.

You won’t have to re-qualify for a new life insurance policy, but your extended renewable term life insurance coverage may raise your current policy premium. That means, if you want to ren...

Term life insurance, which provides temporary coverage lasting up to thirty years or more is good for several reasons.

1. Flexible – You can choose from 10, 15, 20, 25, 30, 35 or 40 years of coverage to meet your family’s specific need for life insurance.

2. Affordable – Term life is more affordable for 30 years or less of coverage than any other plan. Permanent life insurance can cost 5-10 times more than term insurance.

3. Easy to Understand – Term life is simple, you have coverage las...

Yes, most term life insurance policies offer the insured the Option of Renewability.

A Renewable Term Insurance Policy means you may renew your coverage for an additional coverage term if you advise the insurance company by a specific date stated in your life insurance contract.

With term life you may select coverage lasting for a period of 10, 15, 20, 25 or 30 years, usually. Some life insurers do offer 35 or 40-year level term life plans.

However, when selecting to renew your coverage, your te...

The best type of term life insurance policy will depend on your specific situation and need for protection.

However, the most popular type is level term life insurance because it offers affordable protection, and the premiums never increase during your policy term, while the amount of life insurance provided by the policy remains level throughout the life of your policy.

It's flexible, offering you the option of life insurance lasting for a period of 10, 15, 20, 25, 30, 35 or 40 years.

And, your...

What is a life insurance policy death benefit?

The death benefit of a life insurance policy is the amount of money your beneficiaries will receive from your policy upon your death. This is paid out by the insurance company if the coverage was "In Force" at the time of your death.

Your beneficiary makes a claim for death benefits by contacting your insurance carrier after your death. The insurer will advise the beneficiary of the procedures for completing the claim on your life insurance benefit...

Can people over seventy-five years old get life insurance with guaranteed approval?

Yes, in fact, several life insurers offer guaranteed issue life plans for seniors.

Among the leading providers of guaranteed acceptance life insurance policies are United of Omaha, AIG, AAA, Colonial Penn and MetLife.

Seniors age 45 to 85 may be able to get up to $25,000 of life insurance with guaranteed approval from United of Omaha, for example.

However, if you need more coverage, you may be able to buy a policy...

When it comes to buying a guaranteed approval life insurance policy, you may have several insurers to choose from for your coverage.

Some of the leading providers of life insurance policies with guaranteed approval include United of Omaha, AIG, AAA, Colonial Penn and MetLife, among others.

Keep in mind, pricing does vary among insurers; as well as, the amount of coverage available, and the age requirements for approval.

And, you may be able to buy a policy from more than one insurance carrier.

Term insurance is a type of life insurance that provides you with temporary coverage lasting for a specific period of time, usually up to 30 years.

If you die during your policy term, the death benefit is paid to your beneficiary.

If you are alive when the policy term ends your life insurance coverage expires and you are no longer insured - there is no payout of any benefits.

Level Term Life Insurance usually offers the most affordable life insurance coverage lasting for thirty years or less.

No, term life insurance is not expensive, if it is the right type of life insurance policy that meets your specific needs.

Term life is the most affordable type of life insurance coverage for those needing protection for a duration of thirty years, or less.

Term life is pure protection, providing a death benefit only, there is no investment feature or cash value.

That’s why permanent life insurance can cost up to 5 to 10 times more than the same amount of term life insurance.

Term life insurance policies cover the insured person.

The insured is the person named as insured on the life insurance policy.

Your life is insured in a life insurance policy.

If you die while the policy is In Force, the death benefit is paid out to the beneficiary of the insurance policy.

Usually, the insured is the owner of the policy responsible for paying the premiums to the insurer.

However, the owner of the policy may be someone other than the insured.

Learn more about Who term life insuranc...

How does a final expense life insurance plan compare to term life insurance?

They are different types of insurance policies used for different purposes.

Final expense insurance is a type of small permanent life insurance policy that provides lifetime protection. 

This type of life insurance is used to pay for someone's final expenses, including the cost of their burial and funeral. 

Some of these plans are offered with guaranteed acceptance, which means you cannot be turned down for coverage if y...

Level term life insurance is a policy that provides temporary life insurance coverage lasting for a duration (Policy Term) of 10, 15, 20, 25, 30, 35 or 40 years.

The premiums never increase and the amount of life insurance provided by the policy never decreases during the life of your term life policy.

If you outlive the policy term, the life insurance coverage ends.

If you pass away during the term of your policy, the death benefit is paid out to the beneficiary of your life insurance.

Level ter...

Are you buying your first life insurance policy?

If so, you'll want to learn a few things about life insurance before you make that purchase.

First, you'll want to ask yourself, what is my goal for my life insurance policy - what do I want it to accomplish?

Then, you want to consider which type of life insurance policy will help you accomplish your goal, and how much life insurance you'll need.

Of course, you'll want to consider your budget - how much you can afford to spend each month.

Also, you'...

An accelerated death benefit (ADB) is a benefit that can be added to a life insurance policy that enables the policyholder (Insured Person) to receive cash advances against the death benefit of the policy in the case of being diagnosed with a terminal illness with a short life expectancy.

Many individuals who choose to access the accelerated death benefit from their policy have less than one year to live and use the money for treatments and other costs needed to help them stay alive.

Learn more...

A waiver of premium rider is an insurance policy clause that waives premium payments in the event the policyholder becomes critically ill, seriously injured, or disabled.

A waiver of premium in life insurance is an action by the insurance company canceling premium payments by an insured who has been disabled for a specified period of time (usually, least 6 months).

The life insurance policy remains "In Force", just as if the insured was still making the premium payments.

The incontestability period is the period when the life insurance company can no longer "Contest" the coverage provided by a life insurance policy.

In addition, the Contestability Period is the period where the insurance carrier has the right to deny coverage or void the insurance policy for wrong statements (material misrepresentations) provided by the insured on the application for coverage.

When life insurance is purchased, the contestability period starts the first day the policy begins pro...

You can use a free life insurance price calculator to help you figure out the cost of a life insurance policy and save yourself time and money shopping for life insurance coverage.

What you pay for your life insurance plan will depend on several important factors, including the type and amount of life insurance you buy, as well as, your age, health, lifestyle, and tobacco use, among other personal risk factors taken into consideration by insurance companies when pricing life insurance.

You can ...

Is there life insurance for people with bad health?

Yes. In fact, there are life insurance policies available that guarantee your approval for coverage.

These plans are called "Guaranteed Issue", and they guarantee you may purchase up to $25,000 of life insurance protection.

What's the catch?

You need to be between 45 to 85 years of age to qualify for coverage.

And, your death benefits are usually limited the first two years you are insured. This is called "Graded Benefits".

That's how the insuranc...

Which companies offer long term life insurance coverage?

Long term life insurance policies are usually plans that provide coverage for a duration of up to 35 or 40 years.

These are the longest terms available for term life insurance protection; however, not many insurers offer coverage lasting for that long a period of time - for term insurance policies.

The carriers offer long term coverage do include Banner Life & William Penn, Protective Life and AIG.

Keep in mind, certain age restrictions do ...

There are two parties that benefit from life insurance coverage.

The owner (insured) of the policy receives Peace of Mind knowing loved ones are financially secure should the insured person pass away.

The beneficiaries also benefit by means of receiving the proceeds from the life insurance death benefit upon the death of the insured person.

The beneficiaries may use the death benefit as they see fit.

Learn more about who benefits from a life insurance policy.

What is long term life insurance?

It is a type of life insurance policy that provides temporary coverage for a prolonged period of time.

How long does long term life insurance coverage last?

The longest term of coverage available for term life insurance is usually 35 or 40 years.

However, not all insurers offer term life lasting for that long a period of time.

Usually, these plans are limited to healthy individuals who are age 45-50, or younger.

Long term life insurance locks-in your rate for many ...

Does AIG offer a 35 year term life insurance plan?

Yes, you may purchase 35 years of term coverage through AIG, if you qualify.

AIG’s Select-a-Term Plan allows you to select the level-premium term of their 35 year life insurance policy, as well as customize your coverage by adding any available riders to your plan.

AIG is one of the largest life insurance carriers in the world, serving millions of customers in more than 80 countries. AIG offers term life insurance, whole life insurance and uni...

What is 40 year term insurance?

It's a type of life insurance policy that provides temporary coverage lasting for a duration of forty years.

Usually, the premiums remain level for the life of the policy, and the amount of life insurance provided never decreases.

If the insured passes away during the forty year term, the death benefit is paid out to the beneficiary of the policy.

If the insured is alive when the forty year term expires, the life insurance coverage ends with no payout.

Learn more ab...

What is 40 year term insurance?

It's a type of temporary life insurance policy providing you with life insurance coverage that lasts for a period of forty years.

That means, if you (the insured person) dies during the forty year period, while insured by the policy, the death benefit is paid out to your beneficiary.

There are a few insurers offering term life coverage for 40 years.

However, in order to qualify you need to be healthy and age 45 or under, usually.

What is 40 year term insurance?

It's a type of life insurance policy that provides temporary coverage lasting for a duration of forty years.

Usually, the premiums remain level for the life of the policy, and the amount of life insurance provided never decreases.

If the insured passes away during the forty year term, the death benefit is paid out to the beneficiary of the policy.

If the insured is alive when the forty year term expires, the life insurance coverage ends with no payout.

Learn more ab...

What is 40 year term insurance?

It's a type of temporary life insurance policy providing you with life insurance coverage that lasts for a period of forty years.

That means, if you (the insured person) dies during the forty year period, while insured by the policy, the death benefit is paid out to your beneficiary.

There are a few insurers offering term life coverage for 40 years.

However, in order to qualify you need to be healthy and age 45 or under, usually.

How does 40 year term life insurance work?

A 40 year term life policy provides you with life insurance coverage lasting for a duration of forty years.

With 40 year level term insurance, your premiums stay the same each year, and the amount of life insurance provided by your policy never decreases during the policy term of 40 years.

With a 40 year policy you lock-in a low rate for decades, which means while the cost of everything else may be increasing due to inflation, your life insurance premiu...

What is 35 year term life insurance?

It's a type of temporary life insurance policy that provides coverage for a period of thirty five years. The premiums remain the same each year, and the amount of life insurance never decreases.

Can I buy a 35 year term life insurance policy?

It depends on your age and your health, if you qualify for coverage. However, if you are healthy and age 50 or under, you may be able to qualify for a 35 year term life insurance plan.

Learn more about 35 year term life i...

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.

Term life insurance is a type of life insurance policy that provides you with temporary coverage lasting for a set number of years.

Here are some of the most common features and benefits of a term life insurance policy:

1. You may be able to choose a policy term lasting for a duration of 10, 15, 20, 25 or 30 years.

2. Level term life provides you with a coverage amount that never decreases during the life of your coverage term.

3. Level term life provides you with premiums that never increase dur...

What should I consider when buying a term life insurance policy?

There are several key considerations before selecting your term life plan.

You'll want to make sure you take into consideration several factors:

1. How much life insurance do you need?

2. What type of term life insurance policy will be best meet your needs?

3. What is your monthly budget you can allocate toward paying for your life insurance premiums?

4. Do you need convertible term life insurance?

5. Do you need term life that is rene...

Is there life insurance for people with cancer?

Yes, if you have cancer, you may be able to get insured for life insurance.

However, it depends on several key factors, including your age, health, diagnosis, treatment, and medication, among other things.

There are some people living with cancer who may qualify for life insurance; however, your options may be limited, and the cost of a policy may be higher than expected.

But, there are some insurers that offer life insurance policies to people livi...

What is easy acceptance life insurance?

It's a type of life insurance that gives you easy approval for coverage.

For example, a guaranteed issue life insurance is easy approval because it guarantees your acceptance for coverage, if you meet the age requirement for approval.

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

One highly-rated insurance company offers guaranteed approval life insurance plans for people ages 45 to 85...

If you are shopping for life insurance you may be looking to buy the most affordable plan available.

The life insurance that offers the cheapest rates would be term life insurance, if you need your life insurance coverage to last for a period of 30 years or less.

Term life is temporary coverage lasting for a specific number of years.

Whereas permanent life insurance provides lifetime protection and builds some cash value inside the policy, term life is temporary and only pays out a death benefit...

If you are considering the purchase of a term life insurance policy you may be wondering who buys term life coverage.

Usually, term life insurance is purchased by those who need protection to last for thirty years or less, since term life offers life insurance for 10-30 years periods of coverage.

You may be able to choose a term life policy that provides life insurance for 10, 15, 20, 25 or 30 years.

Term life is not only the cheapest life insurance for 30 years or less, it provides you with the...

When it comes to buying life insurance for your wife, there are many things to take into consideration.

Husbands may want to protect their family by purchasing life insurance on their wife so that there is no financial stress upon the passing of the wife.

Consider everything your wife does for your family, from shopping, to cleaning to cooking to running errands, to picking up the kids after school and taking them to the doctor, among all the other things she does.

Now, imagine how many hours sh...

Graded benefit life insurance is a type of life insurance plan providing you with permanent life insurance protection.

However, if the insured person dies within the first 2 (or 3) years of being insured, the beneficiary would receive either a full return of all premiums paid plus interest, or a percentage of the death benefit from the life insurance policy.

That's why graded benefit life insurance plans are easier to get than traditional life insurance.

Usually, these plans are guaranteed appro...

There are several different ways a life insurance policy may come to an end.

• The Insured Person Dies While Policy Is In Force 
  
• Term Life Policy Expires
  
• You Cancel Your Policy
  
• The Insurer Cancels Your Policy 
  

There are two basic types of life insurance: Term and Permanent.

A term life insurance policy ends when the policy term expires.

Whereas, a permanent life insurance policy lasts your entire lifetime, as long as the premiums are paid on time.

Learn more about When life insurance ends.

A term for life insurance applies to term or temporary life insurance policies.

The "Term" of coverage is the duration or number of years the life insurance policy provides coverage.

The Term is also known as the Policy Term.

It's basically how long your life insurance coverage will last if you keep paying your premiums on time.

Usually, term life plans offer term options of 10, 15, 20 or 30 years.

Learn more about a life insurance term and how it works.

According to the American Council of Life Insurers (A Trade Association that advocates on behalf of Member Organizations), the average size of a new individual life insurance policy purchased in 2020 was $183,780.

However, the amount of life insurance that is right for you will depend on your situation and what goals you want your life insurance plan to accomplish.

You'll want to take into consideration your annual income, assets, debts, expenses, and future financial goals, among other things,...

If you are a senior looking for life insurance, you may wondering how much life insurance to buy?

The right amount of coverage for seniors will vary by individual based on your particular goals you want to accomplish with your life insurance policy.

Some seniors may need life insurance to pay for their final expenses, while others may want life insurance to provide some money for their spouse's retirement, or their grandchild's college education.

It's usually a good idea to use a life insurance ...

What is guaranteed approval life insurance for seniors?

It's a type of permanent life insurance plan that guarantees acceptance for coverage for people who are older.

Some insurers offer guaranteed plans to people ages 45-75 or even 45-85 years old.

With guaranteed approved life insurance you will not have to take a medical exam or answer any questions about your health.

If you meet the age requirement for approval you are guaranteed coverage.

Some plans offer up to $25,000 of life insurance with ...

Temporary life insurance isn't life insurance guaranteed to last your entire lifetime, but rather coverage that lasts for a specified period of tine, usually up to 30 years.

Temporary life is also known as term life insurance.

The "Term" of your policy is the duration of coverage.

Usually, term life plans offer coverage for a period of 10, 15, 20, 25 or 30 years.

The longer your Policy Term, the higher your rate per $1,000 of life insurance coverage.

Temporary life insurance usually costs 5-10 tim...

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...

What is life insurance with guaranteed approval?

It's a type of whole life insurance policy that guarantees your acceptance for a policy.

Basically, you cannot be turned down for coverage if you meet the age requirements.

With guaranteed acceptance policies there is no health examination required, and you won't have to answer any questions about your health.

Even if you have been denied coverage by other insurers, you may still be able to get insured.

For example, one highly-rated life insurer off...

If you are purchasing life insurance you may be wondering what types of death are not covered by a life insurance policy.

Usually, there are several standard exclusions to life insurance policies, which may include death resulting from war, aviation, suicide within the first two years of being insured, or if you die from a health problem you did not disclose on the application for coverage.

Learn more about what types of death are not covered by life insurance.

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...

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?
  

Can I buy term life insurance to protect my home mortgage loan?

Yes. In fact, many people buy term life insurance to pay off their home mortgage loan in case they die.

You can name your spouse, partner or family member (you choose) as beneficiary to receive the proceeds from your life insurance policy, and the beneficiary may use the money to pay off the remaining balance on the mortgage so they can remain in your home after you die.

You'll want to select a duration of coverage that matches the ...

A.M. Best is the most experienced rating agency for insurance companies, having been in business since 1906.

Its Financial Strength Rating is recognized worldwide as the benchmark for assessing and comparing the financial stability of insurance companies.

The Top Ratings for Life Insurance:

1. A++ and A+ (Superior) — Assigned to companies that have, in A.M. Best’s opinion, a superior ability to meet their ongoing financial obligations to their life insurance policyholders.
   
2. A and A- (Excellent) �...

The death benefit from a life insurance policy is most commonly paid out as an income tax-free lump sum, unless the beneficiary of your insurance policy chooses to take the benefit as an annuity, or in installment payments. 

A life insurance death benefit can also be split: the policyholder can designate more than one beneficiary, for example, by dividing the benefit equally (or not) between the insured’s family members.

When is a good time to buy more life insurance coverage?

There are many major life events that may give rise to a need for additional life insurance protection.

Some of the most common reasons for buying more life insurance may include:

• Getting married.
  
• Expecting a baby.
  
• Buying a new home.
  
• Getting a promotion at work.
  

What are life insurance premium payments?

Premiums are the price you pay to the insurance company in return for the life insurance coverage provided by the insurer.

Usually, you may choose one of several payment options or modes of payment: Monthly, Quarterly, Semi-Annual, or Annual payments.

Make sure you pay your premiums on time so you don't let your life insurance policy coverage lapse, which would put your insurance in jeopardy of no longer being In Force.

You can set up automatic premium pa...

What is the definition of term life insurance?

Term life insurance is temporary life insurance that provides coverage lasting for a specified number of years.

Usually, term life offers life insurance for up to thirty years.

However, you may be able to choose a Policy Term (duration of coverage) lasting for a period of 10, 15, 20, 25 or 30 years, depending on your age, health, and insurance needs.

If the insured dies during the policy term, the death benefit is paid out to the beneficiary of the p...

A waiting period for life insurance can be one of two things:

The period of time before your life insurance coverage begins.
The period of time before you have 100% full death benefit protection.

Usually, a life insurance policy begins coverage once you have applied for your policy, been approved by the insurer, and paid your first premium payment.

However, you may or may not have full death benefit coverage from day one of your life insurance policy being In Force.

Traditional life insurance plan...

If you are considering the purchase of life insurance, you may want to learn about when it's a good time to buy term life insurance, and when it may be better to buy permanent life insurance protection.

Since term life insurance is temporary, lasting for up to 30 years, you'll want to consider term life for your temporary protection needs; such as, if you have a need for life insurance that will last 30 years or less - A home mortgage, car loan, growing children, etc.

However, it you need life ...

• Lump sum payment.
  
• Checks to drawn on a checking account.
  
• Annuity payment on a period of time.
  

If you are insured by a term life insurance policy, and you don't die during the Policy Term, then the following happens:

• The is no payout of any death benefits, since are are still alive.
  
• The life insurance coverage ends, and you pay no more premiums.
  
• You may have the option of renewing your term life insurance policy for another term, usually up to 5 or 10 years, at a new rate based on your age at the time of renewal.
  

Yes, life insurance coverage is meant to provide a lump sum death benefit payout to the person or persons you select as beneficiaries of your life insurance policy in the event of your death from natural causes, accidents and most diseases.

A natural death or death caused by health-related issues is covered by life insurance plans. In case the policyholder dies due to any type of critical illness or medical condition, the beneficiary(s) of the insurance policy will get the sum assured as the d...

Do both spouses need life insurance protection?

That depends on your situation; however, if you rely on both spouses for income, or taking care of the household, it may be a good idea to have life insurance on both spouses.

Even if you have a stay-at-home spouse, or a spouse that doesn't earn an income, everything your spouse does for your family would need to be taken care of should that spouse pass away.

And, you would have to pay someone to do those tasks; such as, running errands, grocery sh...

What is a health class for life insurance?

It's a classification that is developed for each applicant for life insurance which is one factor used in determining the rate applied to an applicant's life insurance policy.

Your health is one of the main variables taken into consideration when determining how much you will pay for a life insurance policy.

There are several different health classifications based on your health, family health history, your height-to-weight ratio, use of tobacco, and an...

Yes, you may be able to own 2 or more life insurance policies.

It depends on your need, your budget, and the total amount of life insurance you already own.

Each life insurance company will review your situation and determine if you are over-insured or not.

However, it's more a case of total insurance being the important variable, not the number of life insurance policies you own, when it comes to getting approved for a second policy.

Insurers understand your need for life insurance may increase ...

What is the yearly premium cost for life insurance?

Yearly premium is the price you pay annually for a life insurance policy.

Your annual premium is based on the amount of coverage multiplied by the rate for your policy.

So, if you have a $5 rate and you need $100,000 of life insurance, your annual premium would be $5 X $100 = $500.

You may also have the option of paying premiums monthly, quarterly, or semi-annually.

Learn more about the cost of yearly premiums for a life insurance policy.

A life insurance policy becomes effective when underwriting approves the application, when the insurance company accepts the application, and the first premium is paid for the policy.

When all those conditions are met the insurance policy is considered "In Force", also known as "In Effect" – meaning you are insured.

Learn more about When a life insurance policy becomes effective.

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 ...

No, you cannot insure anyone for life insurance.

In order to buy life insurance on someone else, you need their permission, and you must have an Insurable Interest in the person you wish to insure for life insurance.

Insurable Interest basically means you rely on that person for some means of financial support, or that you would suffer some financial loss or cost, upon that person's death.

Usually, you have an Insurable Interest in a spouse, your children, family members, and business partners, ...

The "Term" of a term life insurance policy is the period of time you are insured.

This is the length of time you pay premiums on your life insurance.

However, if you pass away during the "Term" of your life insurance coverage, the insurance ends, and the death benefit is paid out to your beneficiary, and there are no more premiums to pay on the policy.

If you outlive the duration of your coverage term, the life insurance expires, and you pay no more premiums.

Learn more about how long you pay for...

A coverage term for life insurance is the duration of time you have life insurance protection under a term life insurance policy.

The "Term" is the period of time your life insurance coverage will last.

Term life insurance policies offer temporary coverage lasting for up to thirty years.

However, you may be able to choose a "Policy Term" of 10, 15, 20, 25 or 30 years of coverage.

If you outlive the duration of your coverage, the life insurance protection expires.

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...

Term life is temporary life insurance and provides coverage up to 30 years.

If the insured dies during the policy term, the death benefit is paid out to the beneficiary of the policy, subject to the terms, conditions and exclusions in the policy.

If you need life insurance protection lasting for a duration of thirty years or less, then term life insurance may be right for you.

Can people under age 50 get life insurance with guaranteed approval?

Yes, there is a highly-rated insurer that offers guaranteed acceptance life insurance for people between the age of 45 to 85 years old.

With guaranteed issue plans you will not have to answer any health questions or take any medical exams.

If you meet the age requirement for acceptance, your approval for life insurance is guaranteed.

Learn more about buying guaranteed issue life insurance for people under 50.

Guaranteed issue life insurance is a type of whole life insurance policy that guarantees your approval for coverage.

It means, you cannot be turned down for life insurance if you meet the age requirements and live in a state where the insurance company offers the plan.

With guaranteed issue life insurance there is no health exam required, and you won't have to answer any questions about the status of your health.

Even of you have a serious pre-existing health problem, or have been turned down by...

How many years does term life insurance last?

Usually, term life policies offer coverage up to thirty years, depending on your age.

However, you may be able to choose a Policy Term lasting for a duration of 10, 15, 20, 25 or 30 years to meet your specific life insurance needs.

The longer your Policy Term, the higher your annual cost of life insurance coverage.

If you outlive the duration of your term life policy, your life insurance coverage ends with no payout.

If you pass away while your term li...

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...

Usually, the insured takes out the life insurance policy on themselves and pays the premiums on the policy, either monthly, quarterly or annually, to the insurance company.

The named insured person of the policy should be someone family members depend on for financial support; such as, living expenses, so that if the insured dies, a life insurance policy replaces their financial support.

The insured is the person listed on the policy whose death prompts the death benefit payout to the benefic...

The death benefit is the amount your beneficiaries will receive from your life insurance policy upon your death. This is paid out if the coverage was "In Force" at the time of your death.

The insurance face amount is the sum that a life insurance policy will pay upon the occurrence of a qualifying event – Death of the Insured Person.

The name comes from the fact that this amount is typically shown on the "Face" or top sheet of the life insurance policy.

The average face amount of individual l...

What are term insurance rates?

A rate for term insurance is the price you pay per $1,000 of term life insurance coverage.

Your rate is based on your personal risk factors, including but not limited to your age, gender, health, tobacco use, occupation, hobbies and driving record.

The younger and healthier you are, the lower your rate for term insurance.

You can compare term insurance rates by visiting a life insurance website, filling out a quote request form, and instantly receiving your free ter...

If you need instant term life insurance you may be able to qualify for coverage online and begin your policy today.

Some insurers offer quick-issue term life plans that allow you to apply online and get approval the same day, if you qualify.

Usually, people ages 20 to 60 who are healthy, may qualify for an instant issue term life policy online.

In addition, you can compare instant term life insurance quotes from a network of leading carriers by requesting a free quote online.

Learn more about get...

If you think you have a need for life insurance, you probably do need coverage.

Many people consider buying a life insurance policy when they get married or purchase their first home.

Others wait until they have their first child, or have someone who relies on their income for financial support.

However, there are many life milestones that may indicate a need for life insurance protection.

Learn more about when to buy life insurance protection.

Usually, term life insurance plans are available for a duration of up to 30 years.

Many insurers offer term life plans for a period of 10, 15, 20, 25 or 30 years of protection.

However, the maximum duration of term insurance may be limited based on your current age.

For example, a 70 year old may be able to get up to 15 years of term life coverage; whereas, a 30 year old may purchase up to 30 years of term insurance.

Learn more about how long term life insurance is good for.

How long do you need life insurance protection?

When choosing your term life policy, it's important to determine how long you really need your protection to last.

In order to determine that, you'll want to consider what girl you want your life insurance to accomplish, and how long you need your life insurance coverage to last  in order to accomplish that goal.

Whether your need is for 10 years, or up to 30 years, you have options to choose from with term life insurance policies.

Learn more about ...

Can you extend your term life insurance coverage?

Yes, it's called renewable term life insurance, which allows you to renew your current policy for a period of up to 10 years.

However, if you choose to renew your coverage, your renewal term life policy will cost more. The new premium will be based on your age at time of renewal.

But, you will not be required to take a medical exam to qualify for the real policy.

Learn more about how a term life insurance extension works.

How long does term life insurance last?

The duration of a term life policy will depend on the "Policy term" you select when you purchase your coverage.

Usually, term life lasts up to 30 years; however, you may be able to select a policy term of 10, 15, 20, 25 or 30 years, depending on your age and health.

The policy term should be in line with your need for coverage to meet your goal of what you want your life insurance policy to accomplish; such as, a 30 year term policy to protect your 30 year...

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.

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...

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.

Learn more about Can the beneficiary of a life insurance p...

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.

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.

Learn more about Can life insurance expire?

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.

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.

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.

What does term life insurance cover?

Term life is temporary life insurance that pays out a death benefit upon the death of the insured person during the policy term.

The types of death covered by a term life policy include natural causes, illness, and accidental death.

In addition, suicide is covered if it occurs two years after the start of the policy (one year in some states).

Learn more about what term life insurance covers.

Yes, a term life insurance policy covers accidents.

Term life insurance pays out a death benefit if the insured person dies as a result of natural causes, medical illness, or accidental death.

However, some insurance policies may have exclusions for high risk activities; such as, sky diving or auto racing.

So, although term life plans cover accidental death, your coverage is subject to the terms, conditions, and exclusions stated in the insurance contract.

Learn more about Does term life insuranc...

The age that a term life insurance policy covers you to depends on your age at the time you buy your policy, and the duration or term of coverage.

For example, if you are 25 when you buy a 20-year term life policy, your coverage will remain "In Force" until you are 45 years old. But the policy expires at the 20-year anniversary of your coverage.

However, a term to age 70 policy provides life insurance protection until you reach 70 years old.

Learn more about Term life insurance covers to what age?

Yes, term life insurance policies cover cancer.

If you are insured by a term life policy, and you die as a result of cancer, the death benefit would be paid out to your beneficiary.

Payment of any death benefit is subject to all terms, conditions and exclusions stated in the insurance contract.

However, unless you lied on the application for life insurance, your policy would likely pay out on death resulting from cancer.

Learn more about Does term life insurance cover cancer?

A standard term life insurance policy does not build up any cash value inside the policy. it provides Pure Protection - a death benefit but no cash value.

However, Return of Premium term life insurance policies do return your paid premiums if you outlive the duration of your policy term.

That means, if you are alive when your term life insurance expires, you get the premiums back.

Learn more about Does term life insurance have cash value?

Guaranteed annual premium life insurance means that the premium you pay on an annual basis for your insurance policy is guaranteed not to change from what was promised in the contract when you purchase the policy.

Learn more about guaranteed annual premium for term life insurance policies.

What is a free look period for term life insurance?

It's the period of time you have to return your life insurance policy (after receiving it) and get a full refund of all premiums paid, should you decide you no longer want to keep your life insurance.

Usually, insurers offer a free look period of between 10 to 30 days, but the state department of insurance sets regulations for the specific minimum free look period required for your state of residence.

Learn more about the free look period for t...

What are the limitations to term life insurance policies.

There are a few important limitations to term life, including:

• Duration of Coverage is usually limited to 30 years or less.
  
• You may outlive your term life insurance protection.
  
• Rates on term life increase if you choose to renew your term life insurance policy when it expires.
  
• Term life is pure protection, providing a death benefit, but no investment feature.
  

If your term life insurance policy is ending, you may be wondering what options are available to you.

Actually, if you need your life insurance coverage to continue, you may be able to renew your current term life policy for another 10 year term, when it expires.

Or, you could buy a new life insurance policy - either term life, whole life, or more than one policy.

Another option would be to go without any life insurance coverage. It depends on your situation.

Learn more about your options if your...

Is there any life insurance seniors can buy without answering any questions about their health?

Yes, it's called "Guaranteed Issue Life Insurance" and it guarantees your approval for life insurance if you meet the age requirement for acceptance.

With guaranteed issue life insurance you won’t have to answer any questions about your health in order to get insured.

People ages 45 to 85 can get guaranteed acceptance life insurance through United of Omaha.

Learn more about no health question life in...

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...

If you need life insurance to provide protection for your family for a period of twenty years, you'll want to consider term life insurance with a 20 year term.

This means you have life insurance protection that will last for a duration of 20 years.

The premium you pay for your life insurance p-policy will remain the same each year you are insured.

In addition, the amount of life insurance provided by your policy remains level, never decreasing throughout the life of your 20 year term life plan.

I...

Is there life insurance for seniors over age 80?

Yes. There are life insurance policies available for seniors over eighty with guaranteed approval.

Guaranteed approval means you cannot be turned down for coverage, if you meet the age requirement for approval.

For example, United of Omaha offers guaranteed issue life insurance for people age 45 to 85 years old.

With guaranteed acceptance life insurance, there is no health examination required, and you don't have to answer any questions about your ...

Can I buy life insurance for my ill parent?

Yes, an adult child may purchase life insurance on his/her parent, because the adult child has an insurable interest in his/her parent.

If your parent is ill, there are Guaranteed Issue life insurance plans available for people between the ages of 45 to 85 years old.

Guaranteed Issue means your parent cannot be turned down for coverage due to his or her health.

As long as your parent meets the age requirement, you may purchase life insurance on an ill p...

How can I shop for term life insurance?

Actually, it's easy to shop and compare term life plans and pricing online from among several of the leading life insurance carriers by visiting a life insurance website and requesting your free quotes.

It's simple, you just fill out a quote request form on a life insurance website and instantly see the lowest prices available from leading life insurers.

Then, you can review the coverage options and apply for a policy.

There are even no exam term life polic...

What are Living Benefits for Term Insurance?

Living benefits of a life insurance policy are benefits provided to and obtained by those insured, while still alive.

It means you can access the benefits of your insurance plan before you die, instead of waiting for a payout on the policy after the insured person dies.

Living death benefits are an early payout of anticipated death benefits from a rider attached to an existing life insurance policy, or from a separate policy.

Learn more about term lif...

Can you buy a life insurance policy with no health questions or exams required?

Yes. It's called "Guaranteed Issue" life insurance and it offers a limited amount of life insurance protection for people ages 45 to 85 years old.

However, the age requirement for guaranteed approval for a policy may vary by insurance company.

And, the maximum amount of life insurance available will vary by insurer.

These plans are available even if you have been turned down by other insurers, or have serious health i...

Can I buy a term life insurance policy online if I don't have an insurance agent?

Yes. In fact, some insurers allow you to buy direct life insurance over the internet, which you can apply for in about 15-20 minutes.

And, if you qualify for coverage, you my start your life insurance policy the same day.

These are called instant issue no exam term life insurance policies that offer healthy individuals a way to buy quick and easy life insurance protection online.

One highly-rated insurance provider ...

Can I buy term life insurance with return of premium?

Yes, you can purchase a term life policy that returns your premium if you outlive the policy term.

However, these plans charge a premium that is 2-3 times more than regular term life policies.

It may be an option to consider purchasing regular term life and investing the difference you would save by not paying the higher premiums for a return of premium term life insurance policy.

Learn more about term life with ROP.

Does term life insurance come with accidental death coverage?

Yes, it does include coverage for death resulting from an accident.

Term life covered death resulting from natural causes, illness and accidental death.

In addition, there is double indemnity coverage available which pays out twice the death benefit if the insured person dies from an accident.

Learn more about buying term life with accidental death insurance coverage.

Can elderly people living in New York get life insurance?

Yes. There are guaranteed issue life insurance plans available for elderly residents in the state of New York.

Guaranteed issue means you cannot be denied coverage if you meet the age requirement for approval.

Ages for approval of guaranteed issue plans vary by insurer, but one highly-rated carrier offers guaranteed policies to people ages 45 to 85.

Guaranteed issue means you won't have to take an exam or answer any questions about your he...

If so, you'll want to learn how term life works and how you can save money when shopping for an affordable term life policy to protect your loved ones.

Term life is a type of life insurance plan that provides temporary coverage lasting for a period of up to thirty years.

The longer your policy duration (term), the higher your annual cost of insurance.

Learn more about how to look for a term life insurance policy.

Can I buy term insurance for life?

Actually, term insurance is temporary life insurance coverage that lasts for a specific period fo time, usually up to thirty years.

You can choose a policy term (duration) of 10, 15, 20, 25 or 30 years of protection.

If you find you need life insurance beyond the expiration date of your term life policy, you may be able to renew your coverage for an additional term, usually of up to 10 years.

Is there life insurance with guaranteed approval for people age 45 and over?

Yes, in fact, one highly-rated life insurance carrier offers guaranteed acceptance life insurance policies for people ages 45 to 85 years old.

Guaranteed Issue means you won't have to take a medical exam or answer any health questions - your approval for life insurance is guaranteed, if you meet the age requirements.

However, the maximum amount of life insurance available with Guaranteed Approval is usually limited to a...

Can an 81 year old get life insurance with guaranteed approval?

It depends on which insurance company you use for coverage.

Some insurers only offer guaranteed coverage to people ages 45-75 or 40-80 years of age.

However, United of Omaha offers guaranteed approval life insurance for people ages 45 to 85.

With guaranteed life insurance plans you won't have to answer any questions about your health or take any medical exams.

Your approval for life insurance is guaranteed if you meet the age requirem...

Are You a Diabetes Patient Looking to Purchase a Life Insurance Policy?

If so, did you know you can get life insurance if you have either Type 1 or Type 2 diabetes, providing your diabetes has been under control for a period of at least 6 to 12 months?

You can also get life insurance if you are insulin dependent.

Today, even if you are insulin dependent, you may be able to find affordable life insurance for diabetics through a highly-rated life insurance company that specializes in finding dia...

What is the cheapest type of life insurance available for adults?

It's called "Term Life Insurance" because it provides temporary life insurance protection lasting for a set period of time, usually up to 30 years.

With term life, you may choose a policy term of 10, 15, 20, 25 or 30 years of protection depending on how long you need your life insurance to last.

Term life is "Pure Protection", meaning it only provides a seat benefit, there is no cash value or investment feature with term insurance...

It depends on the type of life insurance plan you purchase.

A term life insurance policy is for life, if you pass away during the duration of your policy term, which is 30 years or less for term life coverage.

However, permanent life insurance (which costs a lot more) provides lifetime protection, no matter how long you live.

So, make sure you consider how long you need your life insurance policy to last in order to accomplish your goals, before choosing a plan.

Learn more about "Is Life Insuranc...

Is there life insurance available for people age 70 and over?

Yes, in fact, people in their seventies may be able to purchase term life, permanent life, or guaranteed issue life insurance policies depending on their age, health and the requirements for approval of the insurers.

Even if you have been turned down for life insurance from other insurance carriers, you may still be able to get insured for life insurance in your seventies.

Learn more about life insurance for 70 plus.

Is there term life insurance for a housewife?

Yes, housewives can get affordable term life insurance coverage online.

If you are a housewife, you may be considering the purchase of a term life insurance policy to help provide financial security for your loved ones should you pass away unexpectedly.

Many housewives choose to buy a 10, 15, 20 or even 30-year term life insurance coverage to make sure their families are taken care of in their absence.

Whether you are starting a family or you have gro...

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...

It's called Return of Premium term life insurance which pays you back your premiums if you outlive the duration of your life insurance policy.

Usually, return of premium plans are offered for 20 or 30-years terms, but you may be able to choose from coverage lasting for a period of 10 to 30 years.

These plans have higher premiums upfront compared to regular term life insurance policies.

Learn more about life insurance that pays you back your premiums.

If you are considering the purchase of a life insurance policy you may be wondering what type if best.

Actually, it depends on your personal situation and why you need life insurance.

Ask yourself this question: What goal do I want my life insurance plan to accomplish and how long will I need the life insurance to last in order to accomplish that goal?

Basically, if you need life insurance to last for a period of 30 years to less, then term life insurance is a good option.

However, if you need li...

Life insurance is a type of financial protection that pays out a death benefit upon the death of the insured person, subject to the terms, conditions and exclusions stated in the insurance contract.

Life insurance pays out a death benefit if the insured person dies from a covered cause of death, including natural causes, illness or accidental death.

Yes, life insurance pays if the insured dies from natural causes.

No, you cannot cash out a term life insurance policy.

Term life is pure protection, providing a death benefit payout upon the death of the insured person.

There is no cash value or investment feature to a term life policy.

Learn more about "Can I cash out a term life insurance policy?"

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.

If you are the beneficiary of a life insurance policy, you may use the proceeds (death benefit) from the life insurance in any way you choose.

You could spend the money on paying for the burial of the insured person. Or, save the money.

Many people use the death benefit to replace the income of the insured.

But it's really up to you as beneficiary to choose how you wish to use the money you receive from the payout on a life insurance policy.

Learn more about what life insurance pays for.

Life insurance with AD&D is life insurance that provides a death benefit payout for accidental death; as well as, natural causes and illness.

Traditional life insurance policies include coverage for accidental death.

However, you can have an individual insurance policy that covers only death resulting from an accident, which would be an accidental death insurance policy.

In addition, you may add coverage for double indemnity which pays out twice the death benefit if the insured dies from a cover...

When it comes to buying life insurance, there are many reasons people choose to get insured.

Depending on the situation and where you are in life, you may have a need for life insurance protection.

Some of the more common reasons people buy life insurance include:

1. Getting Married
   
2. Buying a Home
   
3. Starting a Family
   
4. To Pay for Final Expenses
   
5. To Replace Income
   

What is the best life insurance for new parents?

If you are new parents you may be considering the purchase of life insurance to provide financial security for your newborn.

However, there are two basic types of life insurance to choose from for providing the financial security your growing family needs.

You may choose between term life and permanent life insurance.

However, if you're on a budget, you'll want to look closely ate term life insurance, which offers the most affordable coverage by fa...

It's a life insurance policy used to provide protection for your family in case you die before your home mortgage loan is fully repaid.

You can purchase a term life insurance policy that will provide your loved ones with the money necessary to pay off the remaining balance owed on your mortgage should you die.

You can select a term life policy in the amount you currently owe on your mortgage.

In addition, make sure you select a policy "Term" (duration of coverage) that matches the length of time...

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...

The price you pay monthly or annually for a senior life insurance policy will be based on the rate you are charged per $1,000 of life insurance multiplied by the amount of life insurance you need.

You rate is determined by considering your age, gender, health, and other risk factors that impact your longevity - how long you are expected to live.

The younger and healthier you are, the lower your rate for life insurance.

You can compare pricing for senior life insurance policies online by requesti...

Basic Life Insurance means life insurance provided to an Eligible Employee under a plan sponsored by the employee’s Company equal to 1 (or 1.5) times the employee’s "Base Pay" as defined under the life insurance plan in which the Eligible Employee participates.

Usually, any employee may participate in the group employer provided life insurance plan.

And, individual employees may be able to purchase additional increments of life insurance out of their own pocket, if they need more coverage.

L...

If you're in poor health and in need of life insurance coverage, you may want to learn about life insurance with guaranteed acceptance.

Guaranteed acceptance life insurance plans guarantee your ability to get insured, even if you have pre-existing health problems, or have been denied life insurance form other insurers.

People between the age of 45 to 85 years old can get guaranteed life insurance coverage with no health exam required, and no health questions asked.

Here's how to get life insuran...

Level term life insurance is a type of term life policy that offers competitive pricing with rates guaranteed remain level for the entire duration of your life insurance policy.

In addition, the amount of life insurance provided by your level term policy remains level for the entire policy term.

Level term life is the most popular type of term plan and offers the lowest rates for life insurance coverage.

These level term plans provide coverage for a duration of 10, 15, 20, 25 or 30 years.

Learn m...

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.

Can I buy life insurance for my parents?

Yes. if you are an adult, you may purchase life insurance on your parent or parents.

Many adult children choose to purchase life insurance on their parents so there are funds available to pay for the final expenses for their parents.

And, even if your parents have pre-existing health issues, they can get insured with guaranteed issue life insurance coverage.

You can purchase life insurance on your parents, pay the premiums, and name yourself as the benefic...

What is the best term life insurance plan to buy?

It really depends on your situation and insurance needs.

However, Level Term life insurance is by far the most popular type of term insurance plan purchased by consumers today.

Level Term offers you affordable pricing on coverage that lasts for up to 30 years.

With Level Term, your premiums are guaranteed never to increase during the life of your policy, and your coverage amount is guaranteed never to decrease during the life of your plan.

Here's h...

If you're considering the purchase of term life insurance, then deciding how long you need your term policy to last is one of the most important questions to consider before selecting a policy.

Make sure you figure out your longest financial obligation you want to protect with your life insurance, and then choose a policy duration (term) that helps you accomplish that goal.

Learn more about how long your term life insurance should last.

How to find the most affordable quotes for life insurance?

If you want to get the best pricing on your life insurance you'll want to compare free, instant term life insurance quotes online from several of the leading life insurance carriers in America.

You can do this by visiting a life insurance website and filling out a Quote Request Form.

Most life insurance websites offer free quotes on life insurance.

By comparing prices for term life insurance, you can quickly and easily fond the most affor...

Does any life insurance plan offer instant approval?

Yes, there are several insurers offering term life insurance policies with instant approval.

However, the time for approval to get insured can vary by insurer from as little as 15 minutes after completing your online application to as long as 24-48 hours.

Usually, anyone who is healthy and between the ages of 20 to 60 may qualify for a quick approval term life plan.

Here's how to get instant life insurance approval today.

Term life insurance is a type of life insurance plan that provides temporary coverage lasting for a specific number of years, usually up to 30 years.

Many insurers offer term life options of 10, 15, 20, 25 or 30 years of protection.

The longer your policy term (duration), the higher your cost of coverage.

Term life insurance offers death benefit only coverage, which means there is no cash value or investment feature of the policy, only life insurance death benefits.

It's the cheapest type of life...

Can I apply online for a no exam life insurance policy?

Yes, in fact, most healthy individuals between the ages of 20 to 60 may qualify to buy no exam life insurance online.

Depending on the insurer, it may only take about 15-20 minutes to apply for your no exam life insurance policy online.

And, some insurers even notify you of approval the very same day you apply.

That means, you may start your life insurance coverage today, if you qualify.

Here's how to apply for life insurance online with no e...

Today we are living through a very unique point in history, having experienced the only pandemic of the past 100 hundred years.

With so much uncertainty about the future, many of us are considering what that future holds for us and our families.

That's why many people are choosing to purchase life insurance to provide financial protection for the future of our loved ones.

But, does life insurance cover death resulting from COVID-19?

It's an important question to consider before buying life insur...

The cheapest type of life insurance you can buy is term life insurance.

Term life is the lowest priced type of life insurance because it is temporary coverage and provides a death benefit, but there is no cash value that builds up inside the policy.

It is not an investment, it is pure protection.

In addition, you may outlive the duration of your term life insurance, which means there would be no payout of any benefits.

Term life offers coverage lasting up to 30 years, depending on your specific n...

Is it possible for someone to apply online and start their no exam life insurance policy today?

Yes. If you qualify for coverage you may start your life insurance today without having to take any health exams.

In fact, several insurers now offer quick issue no exam life insurance plans.

However, most of these plans are for healthy individuals between the ages of 20 to 60.

You can request a free quote, apply online and start your life insurance right away, if you qualify for coverage.

One highly-ra...

Is it possible for someone to apply online and start their no exam life insurance policy today?

Yes. If you qualify for coverage you may start your life insurance today without having to take any health exams.

In fact, several insurers now offer quick issue no exam life insurance plans.

However, most of these plans are for healthy individuals between the ages of 20 to 60.

You can request a free quote, apply online and start your life insurance right away, if you qualify for coverage.

One highly-ra...

1. If you have a need for life insurance to last for a period of 30 year or less, then term life is good.
2. If you need the most life insurance at the lowest cost, you may want to consider term insurance.
3. If you have a family and are on a budget, then term life may be right for you.
   

How can I find low cost life insurance to cover my final expenses

You can visit a life insurance website that offers free quotes on final expense insurance plans.

There are several insurers that now offer small life insurance policies for seniors to help pay for their final expenses, including the cost of a burial and funeral.

For example, United of Omaha offers coverage starting at just $8.80 per month for guaranteed issue final expense life insurance plans for people between the ages of 45 to ...

Yes, in fact, some insurers even offer no exam term life insurance policies which qualified applicants may start today.

One insurer offers up to $2,000,000 of same-day coverage on term life insurance for healthy individuals between the ages of 20 to 60.

However, you may want to shop and compare term life plans to help you find the best price on a policy from the highest-rated insurance company.

Here's how to buy online term insurance plans today.

It's the plan that meets your needs and accomplishes your goals.

You'll want to find the plan that offers the most affordable price from a highly-rated insurance company.

Make sure to consider how long you need your coverage to last and how much life insurance you really need.

You'll want to compare multiple life insurance quotes from several of the leading life insurance companies to help you find an affordable plan from a reputable carrier.

Learn more about finding the best term life insurance ...

It's a type of life insurance plan providing temporary coverage lasting for a duration of twenty years.

Term or temporary life insurance offers the most affordable life insurance protection for people who have a need for coverage lasting for a specific period of time, usually 30 years or less.

Term life offers different policy terms, including 10, 15, 20, 25 or 30 years.

If you pass away during the policy term, while your coverage is "In Force", the death benefit is paid pout to your beneficiary...

Can I buy life insurance for my mortgage loan?

Yes. Many people use term life insurance policies to help them protect their mortgage loan in case they die before it is fully repaid.

You can select an amount of life insurance that matches your outstanding mortgage loan balance, and choose a policy "Term" (duration) for coverage that matches the duration of your mortgage loan - usually 10, 15, 20, 25 or 30 years.

And, name your spouse or family member as beneficiary of your term life insurance pol...

Is there any life insurance for people with kidney failure?

Actually, although kidney failure is a high risk for life insurers, there may be ways to get insured.

First, you'll want to ask your employer about your group life insurance plan - these usually cover all employees, regardless of health.

Also, there are guaranteed issue life insurance plans available for people between the ages of 45 to 85.

If you meet the age requirements, you are guaranteed approval, as long as you can pay the premiums...

If you are considering the purchase of a term life insurance policy, you probably need protection lasting for a period of thirty years or less.

Term life is temporary protection which means it lasts for the duration of your policy "Term". A term for term life coverage may be for 10, 15, 20, 25 or 30 years, usually.

Many people buy term insurance to provide protection for their family to replace their income, pay off the mortgage loan, or other debt they leave behind.

Term life offers the lowest ...

Is there any cheap life insurance available for families?

Yes. Term life insurance is by far the cheapest type of life insurance available.

Term life offers low cost coverage lasting for a period of up to 30 years.

You can buy term life insurance plans on yourself, your spouse and your children.

Or, you could buy a term life insurance policy on yourself and add riders to your policy to provide coverage for your spouse and children.

Learn more about how to find cheap life insurance for families.

If you’re a 65 year old male looking for life insurance coverage you basically have a few options that may meet your needs.

Term life will offer you the most coverage at the lowest price; however, term plans may be limited to a duration of 10, 15 or 20 years, due to your age.

Permanent life insurance will cost a lot more; however, it provides you with lifetime protection no matter how old you live to be.

In addition, there are guaranteed issue life insurance policies available to anyone age 45...

Life insurance is a contract between an insurance company and the owner of the life insurance policy.

The insurance company agrees to pay out a death benefit on the policy when the insured person dies while the insurance is In Force.

In return, the owner of the policy agrees to pay premiums on a regular basis for the life insurance coverage.

The death benefit is paid to the beneficiary which is chosen by the owner of the policy.

If you have anyone who relies on you for financial support you may h...

The best type of life insurance for you will depend on your specific situation and goals.

What do you want your life insurance plan to accomplish for you and your loved ones?

Also, your age, health, budget and the amount of life insurance will impact your buying decision.

As well as, how long you need your life insurance policy to last.

If you need life insurance for a period of 30 years or less, then term life offers the most affordable coverage.

If you need life insurance guaranteed to last your...

Death benefit insurance is a type of life insurance that only provides a death benefit payout with no cash value inside your policy.

While permanent or whole life insurance may build cash value inside the policy, and provide a death benefit, term life insurance is death benefit only life insurance.

Term life is temporary life insurance lasting for a specific period of time.

If the insured person dies while the policy is In Force, the death benefit is paid out to the beneficiary of the insurance ...

Ecoverage life insurance is an online life insurance broker that has access to a large network of leading life insurance carriers.

Ecoverage helps to connect you with the life insurance carrier in your area that offers the best plan at the moist affordable price.

With Ecoverage you can request and compare free term life insurance quotes from over 40 of the leading life insurance carriers for savings up to 70% on your life insurance policy.

Ecoverage helps make shopping for life insurance quick a...

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...

If you are purchasing life insurance you may be wondering what isn't covered by a life insurance policy.

Well, life insurance pays out a death benefit to your beneficiary upon your death if you die while your policy is In Force, and subject to the terms, conditions and exclusions stated in your life insurance contract (policy).

There are several reasons why a life insurance death benefit claim may be denied, including fraud, misrepresentation of a material fact on your application for coverage,...

If you're shopping for a life insurance policy you may be wondering what it is life insurance covers you for.

Actually, a life insurance policy pays out a death benefit to your beneficiary upon your death, subject to the terms, conditions and exclusions stated in your life insurance contract.

A covered cause of death may include natural causes, accidents and suicide, if the suicide occurs after the suicide exclusion period - usually 2 years, but one year in some states.

Learn more about what lif...

Term life insurance is a type of life insurance policy that provides temporary protection lasting for a specific number if years.

Usually, term life offers coverage for a period of 1 to 30 years.

Most life insurance policies for term life coverage are either 10 or 20 years in duration.

However, you may be able to choose a policy "term" of 10, 15, 20, 25 or 30 years, depending on your age.

Learn more about how many years term life insurance has.

Are you wondering if guaranteed life insurance is right for you?

It may be, but it depends on your situation.

Guaranteed issue life insurance means you cannot be turned down for coverage if you meet the age requirements and can pay the premiums.

So, if you have health problems, or you have been turned down for life insurance, or you are over 75, it may be an option to consider.

These plans are available for people ages 45 to 85 years old.

Find out if guaranteed life insurance is right for you.

Is there life insurance for people living with cancer?

It depends on several factors, including your age, health, type of cancer, treatment, prognosis, when you were diagnosed and your overall health, among other things.

However, there are guaranteed issue life insurance plans available for people ages 45 to 85 which will insure you even if you have cancer.

Learn more about getting life insurance with cancer.

Does a term life insurance policy payout?

Yes, a term life policy pays out a death benefit to the beneficiary of the policy upon the death of the insured person, subject to the terms, conditions and exclusions stated in the insurance contract.

A claim must be made on the policy by the beneficiary after the insured person dies.

The death of the insured must occur while the term life policy is In Force.

Learn more about payouts on term life insurance policies.

How does life insurance compare to term insurance?

Life insurance is pays out a death benefit upon the passing of an insured person.

Whereas, term insurance is one type of life insurance, which provides temporary coverage usually lasting for a period of 30 years or less.

Some life insurance plans provide lifetime protection and build some cash value inside the policy; whereas, term insurance is pure death benefit protection with no cash value feature inside the policy.

Permanent (lifetime) life i...

It depends on the type of life insurance policy and the amount of insurance you buy.

In addition, your personal risk factors will impact the rate you are charged per $1,000 of life insurance.

Risk factors may include your age, gender, health, tobacco use, driving record, occupation, hobbies, lifestyle, and height-to-weight ratio, among other things.

However, the younger and healthier you are, the lower your cost for life insurance.

Learn more about the average cost of life insurance protection.

If you're shopping for life insurance in the USA you'll want to consider several things before selecting your policy.

When it comes to choosing a life insurance carrier, make sure the company has a string financial strength rating.

In addition, you'll want to check on the insurer's reputation, how long they have been in business, and the quality if their customer service, as well as, their claims payment history - do they pay claims in a timely manner?

When it comes to choosing the right life in...

What is the meaning of term life insurance?

Term life insurance is a type of life insurance policy that provides temporary protection for a specified period of time, usually up to 30 years.

The "Term" of a term life policy is the duration of coverage provided by the life insurance.

You may be able to choose a "Term" of 10, 15, 20, 25 or 30 years of protection.

If the insured person dies during the policy term, the death benefit is paid out to the beneficiary of the term life policy.

If the insured...

What is a life insurance cost calculator and how does it work?

It's a way for consumers to compare instant pricing from multiple life insurance carriers.

You just visit a life insurance website, fill out the Quote Request Form, and click on the button to see the lowest prices for life insurance from several leading insurers immediately.

There are no delays and no hassles.

Learn more about how a life insurance cost calculator works.

What does a life insurance policy cost per month?

The premium you pay for your life insurance policy on a monthly basis is determined by several factors, including personal risk factors; such as, your age, gender, health, driving record, tobacco use, occupation, hobbies, and lifestyle, among other things.

In addition, the type and amount of life insurance you buy affect the monthly cost of your coverage.

Monthly premiums may range from a few dollars to several hundred dollars depending on the ab...

Can young adults get term life insurance quotes online?

Yes, there is term life insurance available for young adults.

And, you can get free, instant term life quote comparisons in just a minute or two by visiting a life insurance website, filling out a Quote Request Form, and instantly receiving your price comparisons.

Many life insurance websites offer term life insurance quotes. And, there's no hassles or delays to get your free quote comparisons.

By comparing quotes for term life insurance onl...

Can I buy a life insurance policy with no health check-up and guaranteed approval?

Yes, these plans are called Guaranteed Issue life insurance policies and they offer life insurance with guaranteed approval for anyone who meets the age requirements.

For example, some insurance companies offer guaranteed acceptance for anyone between the ages of 45-75 or even 45-85.

You won't have to take any health exams, and there's no health questions for you to answer.

Here's how to get guaranteed life insuran...

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.

Yes, if you are an adult child, you may be able tp purchase a life insurance policy on your father.

Adult children have an Insurable Interest in their parents.

In order to buy life insurance on someone else, you need an Insurable Interest in the person you wish to insure.

Many adult children buy life insurance on their parents to make sure there is money available to pay for their parents' final expenses.

Learn how to buy life insurance for your Dad.

Can I buy life insurance on my parents who are over 75 years old?

Yes, adult children have an Insurable Interest on their parents, which is required in order for someone to buy life insurance on another person.

In addition, there are guaranteed issue life insurance policies available for people ages 45 to 85, without any health exams or health questions asked.

Here's how to buy life insurance for parents over age 75.

How does the coronavirus affect life insurance?

If you already own a life insurance policy, and there is No Exclusion on your policy which excludes death resulting from the Coronavirus, then it would not affect your coverage.

However, if you have, or had, the coronavirus, you may find it much more difficult to get insured for life insurance, than if you never had the virus.

Learn more about life insurance and coronavirus.

What is the difference between permanent life insurance and term life insurance?

Permanent life insurance provides lifetime coverage, offers a death benefit, and builds can value inside your policy from which you may take a loan.

Also, permanent life insurance can cost up to 5-10 times more than term life insurance.

Term life insurance offers temporary protection lasting for up to 30 years. You may be able to buy a term policy lasting for 10, 15, 20, 25 or 30 years.

If you die during the policy t...

Is there whole life insurance available to senior citizens?

Yes. There are even guaranteed issue whole life insurance policies available for seniors with health issues.

Whole life insurance provides guaranteed lifetime protection to last your entire life.

It provides a death benefit and builds cash value from which you may take a loan.

With whole life insurance, you have benefits that remain level, and the premiums stay the same each month (or year).

Learn more about how to get senior citizen whol...

Yes. There are life insurance plans available for older people, whether they are in good health or have health issues.

The elderly may qualify for permanent life insurance which provides lifetime protection, or term life insurance which provides life insurance for a specific number of years.

In addition, there are Guaranteed Issue life insurance policies available for people between the ages of 45 to 85 years old.

Guaranteed issue policies offer guaranteed approval for anyone who meets the age r...

Can I get life insurance quotes for term insurance online?

Yes. Actually, most life insurance websites offer you the option to request free quotes for term life insurance coverage.

You can compare pricing on term insurance by visiting a life insurance website, filling out the questions asked on the quote request form, and clicking on the button to instantly see the lowest pricing available from a network of leading life insurance carriers.

It's quick and easy - it takes less than one minute to f...

Whether or not life insurance is right for you will depend on your specific situation.

If you are married, engaged, have a child, own a home, or have anyone who relies on you for financial support, you may need life insurance to help replace your income for the ones you leave behind who rely on you.

Many people wait until a major life event to get life insurance - death of a family member, wedding, birth of a child, or buying a new home.

However, if you are planning for your future, now may be t...

If you're considering life insurance you may be wondering what are some common reasons people purchase a life insurance plan?

Actually, life insurance can do more than you might expect.

Many people buy life insurance to provide funds for their final expenses, or to replace their income for their family.

In addition, life insurance death benefits can help to pay off the mortgage, pay for your child's college education, pay off debt, provide for your family's living expenses, fund your wife's reti...

Yes, if you are married, you may purchase life insurance on your wife.

Married couples have an Insurable Interest in one another.

Insurable Interest is required if you wish to insure someone else.

Many husbands buy life insurance policies on their wives to replace their income, or to cover the cost to hire someone to perform all of the work a wife may do for her family.

Learn more about buying life insurance on your wife.

Can I buy life insurance without exams for my parents?

Yes. There are no exam life insurance policies available for adults, which adult children may purchase for their parents.

Many adult children buy life insurance for their parents to cover final expense costs, or provide for the future of their children or grandchildren.

There are guaranteed issue no exam life insurance policies available for people ages 45 to 85.

So, even if your parents have health problems, or they have been denied life ins...

Yes, adult children may purchase life insurance plans on their parents.

However, if your parents are old, they may be in need of guaranteed issue life insurance coverage, especially if they have health issues, or they are over 75 years old.

Guaranteed issue policies guarantee your parents acceptance for coverage regardless of their health.

Learn more about how to buy life insurance for elderly parents.

What is life insurance with a graded benefit and how does it work?

It's a type of life insurance plan that guarantees your approval for coverage even if you have health issues.

In return for insuring you, there are limited death benefits payable the first 2 (or 3) years you are insured.

However, if the insured person dies after the graded death benefit period, 100% of the death benefit is paid out to the beneficiary of the life insurance policy.

Learn more about how a graded death benefit life in...

Is there life insurance to pay off the balance on my home mortgage loan?

Yes. There are term life insurance policies available that can help to provide the funds needed to pay off your remaining balance on your mortgage should you die before it is fully repaid.

Term life allows you to select coverage for a duration of 10, 15, 20, 25 or 30 years to match the duration of your mortgage loan.

And, you can select the amount of coverage that matches the amount you currently owe on your mortgage.

The pr...

What is death benefit term life insurance coverage?

Term life insurance is temporary insurance that provides coverage for a limited number of years.

Term life is death benefit coverage only, with no cash value or investment feature

Term Life only provides a death benefit.

That's why it is referred to as "Pure Protection".

If the insured person dies during the term life policy term, while coverage is In Force, the death benefit is paid out to the beneficiary of the policy, subject to any exclusions...

It's usual for an insurance company to require the applicant for life insurance to take a medical exam.

The life insurer uses this information to determine your health, and how your longevity.

The health examination is paid for by the life insurance carrier.

Usually, if you're age 30 or over, need more than $50,000 of life insurance, you smoke, or have health problems, you would be required to take a physical exam.

Learn more about at what age does life insurance require a physical exam.

Yes. Fidelity Life does offer life insurance plans without any health examination required.

These are term life insurance policies offering coverage for a specific period fo time; such as, 10, 15 or 20 years of protection.

Qualified applicants may purchase up to $499,999 of affordable term life insurance coverage without taking a medical.

You may qualify for coverage within 24-48 hours of applying online.

Fidelity offers competitive pricing on their non-medical term life insurance policies.

Here's...

Is term life insurance the best option for you?

Actually, it really depends on your situation, your needs, and what you want your life insurance policy to accomplish.

However, if you need life insurance that will provide protection for a duration of 30 years or less, then term life insurance may be the best option.

Why Term Insurance?

Because, it offers the cheapest rates by far for life insurance, which means you can afford to buy more coverage for your loved ones.

In addition, it offers flexibil...

Yes, there are life insurance policies that offer immediate death benefit coverage.

In fact, most life insurance is issued with immediate coverage once you have been accepted and paid your first month's premiums - the coverage foes into effect immediately.

However, graded death benefit life insurance policies, also known as, guaranteed issue life insurance, have limited benefits the first 2-3 years you are insured.

That is how they can guarantee your acceptance for coverage even if you have heal...

• You could go without any life insurance.
  
• Buy a new life insurance policy, which would likely require you to take a medical exam.
  
• Renew your current term life insurance policy, usually for up to ten years of coverage.
  

Yes, although some life insurance quote providers email you your the life insurance quotes, or sell your information to life insurance brokers, there are life insurance websites offering instant life insurance quote comparisons direct to your screen without any delays or hassles.

In fact, once you fill out a short Quote Request Form, you may receive your life insurance quotes in as little as 15 seconds or less.

It's quick and easy to get online quotes for life insurance and there's no obligatio...

If you have been turned down for life insurance, or you are having a difficult time finding life insurance, you may be wondering in guaranteed issue plans are right fir you.

Many people look to guaranteed life insurance coverage as a last resort if they are uninsurable - unable to get insured.

There are many reasons why you may be considering guaranteed issue plans as an option for your life insurance.

Some of the more common reasons for buying guaranteed life policies include obesity, COPD, emp...

Yes, there are whole life insurance plans, also known as, permanent life insurance policies, offered to senior citizens.

These permanent insurance plans provide guaranteed lifetime protection as long as the premiums are paid on time.

They provide a death benefit payout upon the passing of the insured person. These whole life plans also build up cash value inside the policy over time, which is available as a loan if needed.

Your premiums remain level, and your coverage does not expire. The amount...

Guaranteed acceptance is a phrase used related to life insurance which is a type of life insurance policy you may purchase with guaranteed approval.

Also known as guaranteed issue life insurance, guaranteed acceptance plans are offered as an option for people who are older or having difficulty getting insured for life insurance.

With guaranteed approval plans you cannot be turned down for coverage due to any health issues.

As long as you meet the age requirements and can pay the premiums, you ca...

How does life insurance work after you die?

Once you have passed away, your beneficiary would need to contact your life insurance company and make a claim on your policy in order to receive the death benefits from your insurance.

That's why it is so important to make sure you let your beneficiary know that you have life insurance, where the policy is located, and what to do once you've died, so they can get the proceeds from your life insurance.

Learn more about how life insurance works after yo...

Is there any life insurance I can buy to protect my income?

Yes, there are life insurance policies to help replace your income for your family should you die.

Term life is the most affordable option, offering coverage for a period of up to 30 years.

The proceeds from the life insurance policy go to your beneficiaries and can be used for any purpose; such as, to pay for living expenses, pay off debt, and maintain your family's lifestyle.

Learn about life insurance to protect your income for your l...

How can I get multiple life insurance quotes over the internet?

It's simple. To compare multiple quotes for life insurance you just visit a life insurance website online and fill out a short Quote Request form.

It only takes a minute, and then you instantly see the lowest prices from the insurers offered.

Make sure you answer all questions truthfully when requesting a free quote, especially if you smoke or not.

By comparing multiple life insurance quotes you may save quite a bit of money on your ...

Yes, you can be turned down for a life insurance policy.

There are many reasons why someone may be turned down for life insurance.

Some of the most common reasons for being declined for life insurance include old age, poor health, drug or alcohol abuse, DUI's, high risk jobs or high risk hobbies, among other things.

However, you may still have other options available for life insurance, including contacting high risk life insurance carriers and brokers who specialize in placing life insurance fo...

Can I buy life insurance to pay off my debt?

Yes, you may purchase term life or permanent life insurance, and the proceeds may be used by your beneficiary to pay off any debt you leave behind upon your death.

Many people use life insurance to provide their loved ones with the funds needed to pay off their remaining debt.

For example, 20 or 30 year term life insurance is often used to provide mortgage protection, so your family has the money needed to pay off the mortgage loan should you die befo...

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...

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...

Can I buy life insurance coverage online without any phone calls?

Yes, in fact, there are insurers that offer the option for you to apply direct online for your life insurance policy.

It takes about 10-20 minutes to apply online, and once approved, you may start your life insurance coverage the very same day.

Make sure to answer all questions truthfully on the application for coverage.

And, there is a Free Look period which allows you to return your policy for a full refund if you are not satisfi...

Insurable Interest is required in order for someone to buy a life insurance policy on someone else.

It means you have a financial interest in that person and if the person should die, you would lose out financially.

For example, either you rely on the person for some means of financial support, or if the person should die, you would suffer a financial cost; such as, having to pay for the person's final expenses.

Insurable Interest usually exists between spouses, parents and their children, and b...

If you're considering term life insurance, there are some things you should know before making your purchase.

For instance, did you know that term life is temporary life insurance?

That's right. Which means, you may outlive your life insurance coverage.

And, term life offers several different "term" options so you can choose coverage to meet your specific needs; for example, coverage for a term of 10, 15, 20, 25 or 30 years.

The longer your policy term, the higher your annual cost of term life in...

What is the monthly cost for a term life insurance policy?

The quickest and easiest way for you to find out how much term life will cost you monthly is to compare term life insurance quotes online.

The price you pay for a term policy will depend on your age, gender and health. As well as, your occupation, hobbies, tobacco use, lifestyle, driving record, height-to-weight ratio and family health history.

In addition, the duration of your term life coverage (Term) and amount of life insurance will ...

Is there a way to get a life insurance policy without a waiting period?

Yes, most life insurers offer immediate coverage upon approval and receipt of your first month's premium.

However, some insurers even allow you to apply online for a policy and begin your life insurance coverage the same day, if you qualify.

That means, no waiting to take a medical exam, because there is no exam.

And, no waiting to get approved by the insurer because some insurers offer same day approval.

Also, these quick is...

Guaranteed approval life insurance is a type of insurance plan that guarantees your approval for coverage - even if you have health issues, or you have been denied coverage by other life insurers.

If you meet the age requirements for approval you are guaranteed acceptance.

And, there's no health examinations of health questions to answer

However, the amount of coverage available is usually limited to around $25,000.

Learn more about how a guaranteed issue life insurance policy works.

How to get the lowest rates for term life insurance?

If you want to find the very best pricing on term life policies you'll want to follow a few helpful steps to assist you in lowering the cost of your plan.

• Compare pricing among several of the leading life insurance carriers.
  
• Make sure you don't buy more life insurance than you really need.Consider annual premiums payments which cost less overall than monthly payments.
  
• Select the proper term (duration) of coverage that meets your specific needs....

It really depends on the type of term life insurance policy you own.

Some term life plans stay level (the same premium) for the life of your insurance policy.

While others may increase after a certain number of years; for example, after you have been insured for 20 years.

Level term life insurance, which is the most popular type of term policy, provides coverage with premiums that stay the same for the duration of your policy term.

Learn more about whether or not term life insurance premiums can ...

The grace period for a life insurance policy is the time after a missed insurance premium is due, where a life insurance policy will not lapse even though the payment is past due.  It means, you still have your life insurance coverage In Force.

The grace period of a life insurance policy is mandated by every state in the United States.

The Minimum Grace Period usually varies from 28-31 days depending on individual state laws, but some life insurance carriers may give longer grace periods.  

The...

There are several types of term life insurance policies available.

However, not all term life plans offer rates that are guaranteed to remain locked-in for an extended period of time.

Level term insurance, which is the most popular type of term policy, has level premiums with rates that are guaranteed to remain the same for the entire duration of your policy term, up to 30 years.

Learn more about whether or not term life insurance rates are locked in.

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...

It really depends on your situation.

First, how much money did you put down when you purchased your home?

If you are putting down less than 20% for a down payment on your home, then you may be required to purchase PMI insurance, to protect the lender.

However, if PMI is not required, then you may not need life insurance.

But, it is a good idea to have some life insurance to make sure your loved ones have the money needed to pay off the outstanding balance on your home mortgage loan in case you d...

If you need term life insurance protection you may be wondering which type of term life is best.

There are a few different types of term life plans to choose from including Level Term, Decreasing Term, and Annually Renewable Term, among others.

These plans vary in pricing and coverage, but the most popular type of term policy by far is Level Term life insurance because it offers premiums that never increase during your policy term, and your coverage amount never decreases during your policy ter...

A life insurance policy providing term coverage for a specific period of time does not payout a benefit at the end of the policy term.

Term life insurance only pays out a death benefit upon the death of the insured person, if it occurs during the term of the policy, while the life insurance coverage is paid up and In Force.

If you outlive the duration of your term life policy, your coverage expires, with no payout.

Learn more about if life insurance pays out at end of term?

If so, you may want to learn about life insurance to cover your end of life final expenses.

No one wants to leave their loved ones with the financial stress of paying for their final expenses when they die.

Imagine your family members mourning your death and finding out they have to pay thousands of dollars to make sure you have a nice funeral and burial.

And, what if you passed away after a prolonged illness leaving medical bills and other debts for your family to pay?

That’s where end of lif...

Can I buy life insurance coverage without answering any medical questions?

Yes. It's called "Guaranteed Acceptance" permanent life insurance and it offers guaranteed approval for anyone who meets the age requirements.

Guaranteed Acceptance means you can't be turned down for coverage do to any health problems, as long as you meet the age requirements.

The age requirements for approval may vary by life insurance carrier from ages 45-75, 40-80, or even 45-85 years old.

Learn more about how to get a ...

If you're shopping for a life insurance policy you may be wondering why people choose to buy term life insurance protection. It's actually very simple.

Term life is temporary coverage lasting for up to 30 years, and offers the lowest prices on life insurance.

So, if you need your life insurance protection for a period of 30 years or less, term life is the option for you.

Permanent life insurance provides lifetime protection, but costs up to 5-10 times more than the same amount of term life insu...

The amount of life insurance coverage you may purchase will depend on your age and health.

In addition, the total amount of life insurance you already own will impact how much additional coverage you may purchase.

The insurance company doesn't want any insured person to be Over-Insured.

Another factor limiting how much life insurance you can buy is your budget.

You can't buy more life insurance than you can afford.

Learn more about how much life insurance you can buy.

The best time to purchase life insurance is when you realize you need coverage. The younger and healthier you are when you buy life insurance, the lower your premium.

Your life expectancy plays a large role in how you are rated for coverage, so - the longer you are expected t live, the lower your cost for life insurance.

Personal risk factors also impact pricing, including your gender, health, lifestyle, tobacco use, etc.

Many people choose to buy life insurance when they experience a major life...

Is there any life insurance protection you can purchase online?

Yes, in fact, several life insurers offer consumers the option to apply online for life insurance coverage.

And, if you qualify, you may start your life insurance very the same day.

Here's how to get life insurance you can buy online starting today.

Yes, it is possible tp purchase a life insurance policy if you are over eighty years old.

However, some insurers may not offer life insurance to people over 80.

In addition, some insurers may only offer guaranteed issue life insurance plans to people over 80.

Guaranteed issue life insurance may be available for people ages 45 to 85.

It guarantees your acceptance for life insurance if you meet the age requirements for approval, and you can pay the premiums.

Learn more about how to buy life insuranc...

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....

What is a death benefit only life insurance policy?

It's a type of life insurance plan that provides a death benefit, but has no cash value or investment feature.

Term life insurance is DBO life insurance, because it is pure protection with no cash value, only a death benefit.

Term life offers protection for a specific period of time, from 10 to 30 years.

The shorter your policy term, the lower your annual cost of coverage.

Learn more about death benefit only life insurance plans.

Is there life insurance you can purchase without any physical exam or health questions asked?

Yes, these plans are called "Guaranteed Acceptance" life insurance and offer a limited amount of coverage because anyone may get insured who meets the age requirements for approval, even if they have health problems, or have been turned down for coverage elsewhere.

Some guaranteed issue life insurance plans are available for people ages 45-75, 40-80, or even for those ages 45-85.

Here's how to get no ph...

Is there guaranteed issue life insurance available for senior citizens?

Yes, in fact, one highly-rated insurance carrier offers life insurance with guaranteed approval for people ages 45 to 85.

Guaranteed issue plans offer guaranteed approval if you meet the age requirements for acceptance.

So, even if you have health problems, or you have been declined for coverage by other insurers, you can still get insured.

Here's how to buy guaranteed acceptance life insurance for senior citizens.

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...

Can I get term life insurance coverage in New York?

It's quick and easy to compare free term life insurance quotes online by visiting a life insurance website and filling out a short quote request form.

It only takes a minute to request your free quotes, and once completed, you instantly receive your quotes for life insurance in New York.

There are several highly-rated life insurance carriers offering coverage on New York, including New York Life, Prudential, MetLife and John Hancock, among othe...

How can I compare life insurance rates in New York?

If you're looking for affordable New York life insurance policies, you can request and compare rates online from multiple carriers by visiting a life insurance website and filling out a quote request form.

It only takes a minute to request your free rate quotes for life insurance online.

Once you have completed the quote request form, you instantly receive the lowest prices from several of the leading life insurance carriers.

There's no delay an...

If you're shopping for life insurance without any exams, you may be wondering how much it would cost for a policy.

The premium charged for coverage will depend on the type and amount of no exam life insurance you buy.

In addition, your personal risks factors will impact pricing of your policy, including your age, gender, health, lifestyle, tobacco use, occupation, hobbies, etc.

The younger and healthier you are when you purchase your policy, the lower your cost of coverage.

Learn more about the c...

How can I get a life insurance quote online if I live in the state of New York?

It's quick and easy to compare free life insurance rate quotes online by visiting a life insurance website and filling out a short quote request form.

It only takes a minute to request your free quotes, and once completed, you instantly receive your quotes for life insurance in New York.

There are several highly-rated life insurance carriers offering coverage on New York, including New York Life, MetLife, Prudential,...

Are you shopping for life insurance and live in New York state?

If so, there are several highly-rated life insurance carriers you may choose from in order to purchase your life insurance.

Although New York has a highly-regulated life insurance market, there are several life insurers that offer affordable protection.

Included among the list of life insurers in New York are such well-known insurers as New York Life, John Hancock and Allstate, among others.

Here is a list of Life Insurance Companies...

If you're shopping for a term life insurance policy you may be wondering if you qualify based on your age.

There are certain age limits on term insurance plans which limit the length (duration) of coverage you may qualify to buy based on your age.

For example, while a 50 year old may be able to buy a 25 or 30 year term life plan, a 75 year old may be limited to 10 years of term life coverage.

Learn more about the age limits for term insurance policies.

Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

• Over Age 30
  
• Over $50,000 of Life Insurance
  
• Declined by Other Life Insurers
  
• Use Prescription MedicationUse Tobacco
  
• Have a Pre-Existing Health Condition
  
• History of Drug or Alcohol Abuse
  
• Poor Driving Record – DUI’s
  

If I live in New York, can I shop for life insurance coverage online?

Yes, there are life insurance carriers in NY that offer online life insurance quotes and plans for residents of New York.

Since the insurance regulations for insurance carriers are more stringent in the state of New York, several insurers have set up their own life insurance companies specifically to do business in the state of New York.

Some of the leading providers of life insurance in NY include New York Life and John Hanco...

Can residents of New York state get life insurance plans with guaranteed approval?

Yes. In fact, one highly-rated insurer offers New York residents up to $25,000 of guaranteed issue life insurance coverage for people ages 45 to 85.

There's no physical exam required, no health questions asked, and you can't be turned down due to any pre-existing health condition.

If you meet the age requirements, and you can pay the premiums, then you can get insured for guaranteed plans.

Here's how to get guarant...

If you're shopping for life insurance you may have heard about guaranteed issue plans.

Is guaranteed issue life insurance protection right for you?

That depends. Many people who choose to buy life insurance with guaranteed approval have been turned down for coverage due to their age, health, lifestyle, or for some other reason.

Usually, a guaranteed life insurance policy is the last option for someone who needs life insurance protection because of the cost and the limited amount of coverage avai...

Yes, it may be possible for someone who has been diagnosed with cancer to purchase life insurance.

However, it will depend on the requirements for acceptance of the insurance company.

Several factors will be considered including your age, overall health, type of cancer, how you manage your cancer, your medication, chemotherapy, other treatments, prognosis, when you were diagnosed, etc.

And, if you are turned down for traditional life insurance policies, you may still be able to get insured with ...

Is it possible to buy life insurance that provides $5,000 of coverage?

Yes, these are smaller life insurance policies available, and they are usually offered to help provide funds for final expenses, including the cost of a funeral and a burial.

These life insurance plans are permanent life insurance policies that build cash value and provide a death benefit.

Usually, smaller life insurance plans are offered to seniors between the ages of 45 to 85 with guaranteed acceptance, which means you can'...

Can I buy term life insurance with no waiting period required?

Yes, there are no waiting term life policies available for qualified applicants.

You can apply online for a term life insurance policy with no health exam required.

And, if you qualify for coverage, your life insurance protection can begin the very same day you apply.

Several leading life insurance carriers now offer quick issue, no waiting term life plans online.

The pricing and amount of coverage available will vary by insurer.

Here's...

Can diabetics get life insurance with guaranteed approval?

Yes, there are insurance policies available for diabetics that provide guaranteed approval, as long as you meet the age requirements.

Guaranteed issue life insurance plans have varying age requirements, depending on the insurer.

For example, some insurers may offer guaranteed coverage for diabetics age 45-75, 40-80, 45-85 or 50 to 85.

The amount of life insurance coverage available from any one guaranteed issue plan may be limited to a m...

What is Guaranteed Life Insurance and Non-Guaranteed Life Insurance?

A guaranteed issue life insurance policy is one that guarantees your approval for coverage, while a non-guaranteed issue life insurance policy means you may or may not qualify for coverage.

If you have health issues, or you have been turned down for coverage, guaranteed life insurance may be a good option for you.

However a non-guaranteed life insurance policy may be better suited for people who are willing to take a medical ex...

Which life insurance carrier offers better quick-issue non-medical term life insurance - Fidelity Life or New York Life?

When comparing life insurance plans for non-med term insurance there are several variables to consider including the pricing, amount of life insurance coverage available, financial strength rating of the insurer, and how long it takes to coverage, among other things.

Fidelity Life offers quick issue term life plans with no doctor exam to a wider age range of applicants than N...

Leap Life is a life insurance technology firm that was founded in 2016 and headquartered in San Francisco, California.

We are built by serial entrepreneurs with experience from eBay, AOL, and LinkedIn, and backed by RGA, #1 Life Reinsurer in the country & Founders Fund.

Leap Life solution simplifies and streamlines the process of finding the right life insurance, and users can be matched instantly with a policy that perfectly fits their health history and financial situation.

Leap Life is the ...

Yes, if you are over 65 years old you may qualify for term life insurance, which is temporary coverage lasting for a specific number of years.

Usually life insurers offer term insurance for a period of up to 30 years, but people over 65 may be limited to terms 5, 10 or 15 years of coverage.

Keep in mind, if you outlive the duration of your policy, your life insurance coverage ends.

Learn more about buying term insurance for people over 65 years old.

If you're looking to purchase affordable senior life insurance coverage you'll want to learn about term insurance, because it offers by far the lowest-priced life insurance available for senior citizens.

In addition, comparing pricing from among several life insurers will help you quickly decide which insurer offers the most affordable coverage.

Keep in mind, the longer your life insurance policy "term" (duration), the higher your annual cost of insurance.

Seniors may be able to choose a term li...

Is there New York Life Insurance with No Medical Exam?

Yes, in fact, there are several life insurance carriers that may offer coverage to people without having to take an exam.

For example, ANICO offers healthy individuals up to $249,999 of life insurance with no exam - for residents of New York state.

In addition, several other insurers offer no exam life insurance; however, the requirements for approval with no exam are more stringent - some require people in good or excellent health.

Here's ho...

What are the different types of life insurance policies available?

There are several different life insurance plans to choose from including term life insurance, whole life, accidental death, child life and guaranteed-issue, among others.

When choosing a life insurance policy make sure to consider what goal you want your life insurance plan to accomplish and how long you will need your life insurance coverage to last.

Learn more about the different types of life insurance policies and how they w...

What is a life insurance policy owner?

The owner of a life insurance policy is the person or entity that pays the premiums on the policy and has the rights of ownership.

The owner is responsible for paying premiums, managing the policy, choosing the beneficiaries, and handling the oversight of ownership.

The owner may or may not be the insured. Learn more about the owner of a life insurance policy.

What is a term plan for life insurance coverage?

It's a type of life insurance policy that provides protection for a specific number of years.

These plans usually offer a "term" (duration) of coverage that lasts for up to 30 years.

You may select a term of 10, 15, 20, 25 or 30 years of coverage, depending on your age.

The longer your policy "term", the higher your annual cost of insurance.

Term life plans offers the most affordable type of life insurance, and the flexibility to choose how long you...

What is life insurance coverage with living benefits?

It is life insurance that provides you with the option of accessing a portion of your insurance policy's death benefits, while you are still living.

If you become ill with a terminal diagnosis of less than one year to live (or six months), you may access a portion of your death benefits - this is called "living benefits".

This coverage allows people who are terminal to have money available to help pay for medical bills and other end of life e...

Is there life insurance that will cover the cost of your funeral expenses?

Yes, there are guaranteed-issue life insurance plans for seniors age 45 to 85 that offer guaranteed approval without any health exam or health questions.

These life insurance policies offer up to $25,000 of coverage to pay for your funeral, burial and any related expenses.

Guaranteed approval means you can't be denied coverage due to any pre-existing health problems.

Learn more about buying a life insurance policy to cover...

Are there any life insurance plans I can purchase that will last for a specific duration?

Yes, it's called temporary life insurance, also known as term life insurance, which provides protection lasting for a specific number of years.

Most term life plans offer coverage you can choose to last for a term (duration) of 10, 15, 20 or 30 years.

The longer your policy "term", the higher your annual premiums for life insurance.

However, the length of your policy term may be shorter for seniors. For exam...

No, all life insurance policies do not require you to take a physical examination, but many do.

There are non-med life insurance policies available for term life, whole life or guaranteed issue life insurance coverage.

However, most standard life insurance plans require a medical examination if the applicant is over 30 years old, smokes, has health problems, or is looking to buy more than $50,000 of insurance.

To learn more read this article: Do all life insurance policies require a physical?

If you want to find the lowest priced life insurance coverage, you'll want to check out term life insurance.

Term life plans offer the lowest prices on life insurance.

With term life you choose a "term" which is the duration of your policy - how long your life insurance protection to last.

The shorter the policy "term", the lower your cost.

Term life usually offers coverage lasting for a period of up to 30 years, but you may be able to choose term for 10, 15, 20, 25 or 30 years of coverage.

Perman...

Is there life insurance for people over 50 years old?

Yes, in fact, there are several types of over 50 life insurance plans available, including term life insurance, permanent life insurance and guaranteed issue life insurance.

The cheapest type of over 50 life insurance plan is term life which offers temporary coverage for a duration of 10, 15, 20, 25 or 30 years.

Permanent life insurance cost a lot more, and provides lifetime protection, as long as you pay your premiums. It also builds some ca...

Is there life insurance available for people over 65 years old?

Yes, a 65 year old may qualify for term life insurance, whole life, or choose guaranteed issue life insurance plans.

The cheapest type of life insurance coverage for 65 year olds would be term life, because it offers temporary protection, usually up to 10 or 15 years, for people over 65.

Whole life insurance is much more expensive because it provides lifetime protection, as long as you pay your premiums.

And, if you have a pre-existi...

What are burial life insurance plans and how do they work?

Burial plans are small life insurance policies that provide the money needed to pay for your final expenses.

It’s a way for you to make sure that your family is not left in a financially stressful situation, looking for a way to pay for your burial and funeral costs after you die.

By purchasing a burial insurance plan, you get peace of mind knowing you've planned for the future, and you have shown respect for your family by providing t...

Is it possible for me to buy a life insurance policy without any medical exams or medical questions asked?

Yes, there are life insurance policies available with no medical needed and no health questions.

Two types of life insurance policies offering this kind of coverage include accidental death insurance which pays out a death benefit if the insured dies as the result of an accident.

The other type of life insurance is guaranteed-issue which offers a limited amount of insurance coverage, usuall...

The cheapest type of life insurance policy without any health exam required is term life insurance.

Term life is the cheapest type of life insurance policy because it provides temporary coverage lasting for a period of up to thirty years.

You may choose a "Term" of coverage or your policy from 10, 15, 20, 25 or 30 years.

The shorter your life insurance policy "term", the lower your annual cost of life insurance protection.

In addition, the lower your amount of life insurance, the lower your annua...

Is there whole life insurance protection available for 76 year olds?

Yes, there are whole life insurance policies a 76 year old can purchase without having to take any physical examination, or answer any health questions.

These are referred to as Guaranteed Approval whole life insurance policies and they guarantee your acceptance for coverage, even if you have a pre-existing health condition.

These plans usually offer a limited amount of life insurance coverage, up to $25,000.

With guaranteed iss...

If you're buying a new home, or you have a home, you may be considering mortgage life insurance to pay off your outstanding mortgage should you pass away.

With mortgage term life insurance you can get affordable rates and the coverage you need to fit your specific mortgage.

With mortgage term life plans you select a duration of coverage (term) that matches your mortgage loan - 15, 20 or 30 years.

And, choose an amount of term life insurance that matches the amount you owe on your home loan mortg...

If you're shopping for a life insurance policy, you may be wondering if term life insurance is right type of coverage for you.

That's a good question. You want to make sure you choose the right type of life insurance protection.

There are two basic types of life insurance: Term and Permanent.

Permanent life insurance costs a lot more, but it does build some cash value inside the policy, and to does provide guaranteed lifetime protection as long as you pay your premiums on time.

Whereas, term life...

Can seniors over 70 get term life insurance?

Yes, there are term life insurance policies available for seniors age seventy and over.

However, the length of coverage may be limited to 5 or 10 years, depending on your age and your health.

If you have health issues, there are guaranteed issue whole life insurance plans available for people ages 45 to 85.

Learn more about buying term life insurance for seniors over 70 years old.

Can I buy instant coverage life insurance without taking a medical exam?

Yes, if you are healthy and qualify for coverage, you may be able to purchase no exam life insurance with coverage that starts the same day you apply for a policy.

These quick issue life insurance plans are available online and allow qualified individuals the option to apply online and begin their life insurance protection immediately upon approval.

The amount of coverage available and the pricing of the policies does vary ...

Yes, there are no-exam life insurance plans available for people over 65.

You may be able to choose from permanent life insurance , term life insurance, or guaranteed-issue life insurance without an health exam, if you're over sixty-five years old.

However, the most affordable life insurance policies will be term life, since they are temporary and build no cash value; whereas, guaranteed-issue policies will cost the most because they guarantee your approval for life insurance.

Learn more about f...

If you're shopping for term insurance coverage, you may be wondering how your term life coverage is priced.

Pricing for term life insurance takes into consider several key factors to develop your premium.

Some of the main pricing factors include your age, health, type and amount of life insurance you need; as well as, your gender, lifestyle, occupation, hobbies, tobacco use, among other risk factors that may help the life insurer determine your life expectancy.

Since term life insurance is tempo...

Yes, even if you are a senior with major health issues, you may still be able to purchase life insurance.

Although many life insurance plans may decline a senior with pre-existing health issues, there are guaranteed issue life insurance plans offered to people age 45 to 85.

With guaranteed approval you can't be denied coverage due to any pre-existing health problems.

And, you won't have to take any medical exam, or answer any questions about your health.

However, these guaranteed issue life insur...

If you own a term life insurance policy and have been insured for several years, or you've experienced a major life event in recent years; such as buying a home or getting married, you may be wondering if you need more term life insurance.

You very well may need to add some more life insurance coverage to your financial plan if your financial responsibilities have increased since you purchased your term life policy.

The best way to find out your current need for term life insurance is to use a ...

Is there life insurance I can purchase online?

Yes, in fact, more and more people are choosing to purchase their life insurance plans over the internet.

With the ease and speed of the internet, life insurance carriers are now making same-day life insurance plans available online.

That means you can apply online (safe and secure) for a life insurance policy, and begin your insurance the same day - if you qualify.

These quick-issue life insurance policies are available through several life insurers...

If you're a senior looking for quality, affordable life insurance you may be wondering which life insurer is the best for older people.

There really is no one single life insurance carrier that's best for all senior citizens.

It really depends on you - your age, health, lifestyle, and the type of life insurance you need, as well as, the amount of insurance coverage you need.

Some insurance carriers are better at providing affordable plans  for people with certain health conditions like diabetes ...

Can someone living with agoraphobia get insured for life insurance?

That depends. Your age and your health will impact your ability to get insured; as well as, the insurance company you apply to for your policy.

Some life insurance carriers may insure people with mental health illnesses and panic disorders, while others may not.

In addition, there are some guaranteed-acceptance life insurance policies available for anyone who meets the age requirements for approval. Some guaranteed plans are ava...

However, several factors may impact your ability to get insured for life insurance.

Your age, health and management of your health issues will affect your ability to get insured.

In addition, there guaranteed life insurance policies available for anyone who meets the age requirements for acceptance.

For example, one highly rated life insurance company offers guarantee...

Is it possible to buy life insurance that starts your insurance coverage today?

Yes, several life insurers now offer "Same Day" life insurance plans, which means you can start your coverage the day you apply, if you qualify.

Some insurance carriers offer from $100,000 up to $500,000 of instant coverage; however, one life insurance company offers up to $3 million of life insurance you can start today if you're healthy and qualify for coverage.

The online application process for life insurance usu...

If you have been turned down for life insurance because of medical reasons, you may be wondering how you can get insured.

Don't worry, there is another answer. In fact, there are life insurance plans that even offer "Guaranteed Acceptance" - which means you can't be denied coverage due to any health problems.

As long as you meet the age requirements, you can get insured. These plans do offer a limited amount of life insurance protection, usually $25,000 or less. 

If you need more life insurance ...

The lowest priced no exam life insurance plan is term life insurance.

Term life is temporary life insurance protection lasting for a period of 30 years, or less.

Term insurance costs a lot less than permanent life insurance, which provides guaranteed lifetime life insurance protection.

With term life, the shorter your term (duration) for coverage, the lower your annual cost of insurance.

You may be able to choose a term of coverage lasting for a period of 10, 15, 20, 25 or 30 years, with no exam ...

Can I buy life insurance to cover my burial and final expenses?

Yes, there are smaller life insurance plans available that provide enough money to cover the cost of your final expenses, including your funeral and burial. among other end of life expenses.

These plans are also known as burial insurance, funeral insurance, or final expense insurance.

Many of these burial life insurance plans offer guaranteed approval, which means you cannot be turned down for coverage if you meet the age requiremen...

It really depends on you - your age, health, and if you qualify for coverage. And, it depends on the insurance company you apply to for life insurance.

Some insurers offer the option to apply online and get approval right away for life insurance, and others don't.

There are life insurance companies that allow you to apply online and find out within minutes of you qualify to purchase a life insurance policy.

For example, Haven Life offers an application process for life insurance that is complete...

Is there life insurance available for people age 50 to 85 years old?

Yes, there are term life insurance policies available which offer temporary coverage for a specific number of years (up to 30 years), and there are permanent life insurance policies that provide guaranteed lifetime protection.

In addition, there are guaranteed life insurance policies which may be a good option for anyone over 80, or with a health problem, or someone who has been turned down for life insurance from other insura...

Can I get life insurance if I have a pre-existing medical issue?

Yes, you may qualify for a fully underwritten life insurance policy, or you may choose guaranteed acceptance life insurance, if you meet the age requirements for approval.

Some guaranteed issue life insurance plans are available for people ages 45 to 85.

Even if you are over 75, or have been denied coverage by other insurers, you can still get guaranteed coverage.

Learn more about buying life insurance with a medical condition.