Life Insurance FAQ's

Life Insurance Tools

March 2, 2016

What are some tools I can use to help me find affordable life insurance coverage form a highly-rated insurance company?

There's several good tools you can use for finding the right life insurance plans from a top carrier.

1. Life Insurance Needs Calculator - A needs calculator can help you to easily determine what your actual life insurance needs are - how much coverage to buy.

2. List of Top Carriers - A list of the leading insurers will show you the insurers writing the most business and their financial strength ratings.

3. Life Insurance Pricing Tool - A pricing tool will allow you to instantly compare the best prices for life insurance from several leading insurers, based on your own personal risk factors.

Here are some life insurance tools you can use right now to help you find affordable coverage form a highly-rated insurer.

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

FAQs for Smoker Life Insurance

February 27, 2016

If you're a smoker shopping for life insurance you may have a few questions about life insurance for smokers.

Here's some of the most common questions consumers have about smoker's life insurance coverage.

Do insurance companies test you for smoking?
How do they test smokers for life insurance?
Can I get life insurance without taking a smokers test?
What if I tell the insurer I donut smoke when I actually am a smoker?

Here are answers to commonly asked questions about smoker life insurance to help ...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Life Insurance for Your Elderly Parents

February 24, 2016

Can I buy a life insurance policy on my elderly parents?

Yes, adult children can purchase life insurance coverage on their parents.

Why would you want to buy life insurance on your parents?

Well, maybe your parents don't have any life insurance of their own, or perhaps, they don't have the money saved to pay for their own funeral and burial costs.

Did you know that the average cost of a funeral and final expenses may exceed $8,000?

That's why it may be a good idea to purchase an affordable life in...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

Senior Term Life Insurance Quotes?

February 21, 2016

How can seniors compare term life insurance quotes?

There's a few options seniors have for comparing prices on term life insurance coverage.

You could contact a local life insurance agent or independent broker with access to several insurance companies.

Or, you could call life insurance carriers direct to request a price quote.

Another option which is quick and easy without the hassles is to visit a life insurance quote provider on the internet.

Online life insurance quotes allow you to objectivel...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

What Happens When Your Term Life Insurance Policy Ends?

February 14, 2016

If you take out a term life insurance policy and you out live the term then you will need to be aware of your options:

1. Your Life Insurance Premiums Will Increase. If you are nearing the end of your term and you want to continue your life insurance, you will need to pay a higher premium.

2. You Can Apply for a New Term Life Insurance Policy. If you are healthy at the end of your term life policy buy you want to continue your life insurance coverage, you can apply for a new po...

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

How Can I Save Money When Buying Life Insurance?

February 9, 2016

To save money Buy your life insurance policy now.

Premiums for the same face amount of life insurance coverage increase the older you become. The longer you wait to buy your coverage, the more you risk developing a health issue that could increase your premium, or disqualify you from being able to purchase life insurance coverage.

If you want permanent life insurance but you're on a budget, term life or a combination of term and permanent may offer lower premium payments. An...

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

What are the benefits of shopping for life insurance online?

February 6, 2016

There are three great reasons to shop online for life insurance.

1. Convenient - Shopping for life insurance has never been easier. You can get instant price comparisons and advice form the comfort of your own home or office any time of day or night, without having to meet with an insurance agent.

2. Quick - It only takes a few minutes to request and receive your free, instant life insurance quotes form several insurers without any obligation or hassles.

3. Save - You can save u...

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

Why is Term Life Insurance called Temporary Life Insurance Coverage?

February 3, 2016

Term life is sometimes referred to as "temporary" life insurance because your coverage lasts for a specific period of time, it is not permanent.

Just like your auto or home insurance, term life is for a specific period of time. Most term life plans offer you the option of choosing your life insurance protection for a period (term) of 10, 15, 20 or 30 years.

With a level term life insurance policy you would pay the same premium each year (or month), while the amount of life insurance you have r...
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Posted by hadley hadley. Posted In : Life Insurance FAQ's

What if I already have life insurance?

January 31, 2016

I have life insurance through my employer. Is that enough?

It depends on how much life insurance you have through work, and how much life insurance you need.

You can use a life insurance needs calculator to quickly and easily determine how much total life insurance coverage you really need.

Usually, a life insurance plan through your employer will provide 1 times your annual income in coverage. So, if you earn $50,000 a year, you may have $50,000 of coverage. But this may vary b...

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

What is the difference between funeral insurance and life insurance?

January 28, 2016

Funeral insurance and life insurance are different in a few ways.

Life insurance may offer up to $1,000,000 of protection or more depending on your age and health.

Whereas, funeral insurance usually offers up to $25,000 of coverage.

Life insurance may or may not require you to take a health exam, depending on your age and the amount of coverage you need.

Whereas, a funeral insurance policy may provide coverage with no health exam and no health questions asked.

Life insurance may decline to offer y...
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