Life Insurance FAQ's

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...

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

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

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

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

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.