Life Insurance FAQ's

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...

Is there term life insurance you can buy for your family?

Yes. You can buy term life insurance policies and you and your spouse.

In addition, you can add your children to your own term life insurance coverage using a Child Rider endorsement that provides a minimal amount of coverage for each child.

Learn more about term insurance for your family.

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 ...