Life Insurance FAQ's

Do Homeowners Need Life Insurance Protection?

September 22, 2018

It depends. Are you a homeowner with a mortgage?

If so, you may have a need for life insurance. Why?

Because, how would your family make the mortgage payments each month if you were to pass away today?

That's right. If you were to die, your family may be unable to continue living in the home they shared so many memories with you.

Now, why risk the chance of leaving your family out in the street, or having to move?

Life insurance can help provide you with peace of mind knowing should something happen to you, they will be able to go on living in your family home.

So, "Do homeowners need life insurance?" You tell me.

Posted by hadley hadley. Posted In : Life Insurance FAQ's

Life Insurance on My Grandfather?

September 19, 2018

Can I buy a life insurance policy on my grandfather?

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

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

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

And, with the average cost of final expenses around $8,000 - it can be a costly undertaking to...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Do You Need Life Insurance Today?

September 16, 2018

Are you in need of life insurance protection that starts today?

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

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

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

Learn more if you need l...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

How to Buy Cheap Term Life Insurance Online?

September 13, 2018

Is it possible to purchase low cost term life insurance coverage online?

Yes, there are life insurance providers offering you the option to purchase your coverage direct online, and you can compare pricing among several insurers to help you save money.

Additional tips to lower the cost of your life insurance policy include:

Quit smoking - Smokers pay up to 2-3 times more for the same amount of life insurance as non-smokers.
Use a needs calculator to decide how much coverage you really need.
Choose...

Posted by hadley hadley. Posted In : Life Insurance FAQ's

Can I Buy Life Insurance Online Instantly?

September 10, 2018

Can I purchase a life insurance policy direct online and start my coverage today?

Yes, there are "Quick-Issue" life insurance policies available through several life insurance carriers, including Haven Life, ANICO and Globe Life, among others.

They allow you to get a free quote, apply online and find out usually within minutes, if you qualify for a life insurance policy.

Once approved, you may start your coverage immediately.

These instant-issue life insurance plans come with a money-back guarant...

Posted by hadley hadley. Posted In : Life Insurance FAQ's

Does Term Life Insurance Require a Physical Examination?

September 7, 2018

Do I have to take a physical exam in order to purchase a term life insurance policy?

That depends on your age and health, and the requirements of the insurance company.

Some reasons insurers require a physical may include:

You are over age 30
You need more than $50,000 of life insurance
You smoke
You have a pre-existing health condition

However, there are insurers that offer non medical life insurance policies, which means you won't have to take an exam to qualify for life insurance coverage.

Some li...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

What is the difference between Term and Whole Life Insurance Policies?

September 4, 2018

If you're shopping for a life insurance plan you may have heard about term insurance and whole life insurance, and wondered what is the difference?

Well, there are several important differences about the two basic types of life insurance: Term and Whole Life:

Price
Duration of Coverage
Cash Value

To start, term life costs a lot less than whole life insurance because it is temporary, lasting for 30 years or less. Usually, whole life may cost up to 2-3 times more than the same amount of term life in...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Apply for Globe Life Insurance

September 1, 2018

Can I apply online for Globe life insurance coverage?

Yes, anyone age 18 to 78 may apply for a life insurance plan from Globe Life.

Although there are no exams required, you will have to answer some questions about your health.

And, if you are healthy, you may purchase coverage online.

You can apply for a Globe Life policy online in about 10 minutes or less.

Globe Life makes it quick and easy for consumers to apply for and purchase their life insurance plan.

And, your policy comes with a money-back...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Life Insurance and Medical Testing?

August 29, 2018

By using medical tests are insurers trying to eliminate any applicants that are likely to develop a serious health condition in the future?

Medical tests provide accurate, current information about an applicant’s health that enable insurers to charge premiums that reflect the level of risk an applicant represents.

Because some health conditions are easily managed through proper medication, therapy or lifestyle changes, medical information makes it possible for insurers to cover applicants wi...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Pricing Factors on Life Insurance Policies

August 26, 2018

What factors will affect the price I pay for a life insurance policy?

There are several key pricing factors including the type and amount of life insurance, as well as, your gender, age and health.

In addition, other personal risk factors impacting cost of life insurance include your family health history, your lifestyle, tobacco use, driving record, hobbies, occupation, height-to-weight ratio, among other things.

Basically, the younger and healthier you are, the lower your price of life insuran...
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