Life Insurance FAQ's

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...