Is a Parent the Beneficiary of their Child's Life Insurance?

The primary beneficiary of your child's life insurance coverage is named within the policy document.

The primary beneficiary may or may not be the father, mother, grandparent, or legal guardian.

If the primary beneficiary is deceased, then check the life insurance policy for a named contingent beneficiary.

If there are no named beneficiaries still living, then the proceeds of your child's life insurance policy become part of the policy holder's estate.

Please consult with a qualified attorney to determine guardianship of the child's estate.

Learn more about life insurance coverage for your child

What is Child Life Insurance for?

Child life insurance can provide many benefits not only for you the parent of your child, but for the future of your child, as well.

Life insurance on your child can provide a death benefit that you may use to help pay for your child's final expenses, should your child pass away.

However, there are many more reasons parents choose to purchase child life insurance plans.

Child life insurance coverage can guarantee your child has life insurance protection throughout his or her entire lifetime.

And, your child's life insurance can lock-in a low rate guaranteed for the life of your child.

In addition, children's life insurance plans may grow cash value which your child can use in the future if needed.

Also, your child will have the option of adding more coverage to his or her policy when reaching adulthood, if needed.

With so many children developing health issues, choosing to purchase life insurance for your child at an affordable price can guarantee your child life insurance to protect his/her own family one day.

Here's how to learn more about children's life insurance

Life Insurance without Medical Questions?

Is there a way to buy your life insurance plan without answering any questions about your health?

Yes, there are no health question life insurance policies.

These plans are known as "guaranteed approval" life insurance because they guarantee your acceptance for coverage.

And, there's no health exam required and no health questions asked.

How can they guarantee your approval?

Because, they limit the coverage benefits the first two years you are insured. And, the total amount of life insurance coverage available is usually limited to around $25,000. But, your acceptance is guaranteed is you meet the age requirements.

Some guaranteed issue plans offer coverage for people age 45 to 85.

And, you cannot be turned down due to any health problems.

Here's how to get life insurance without medical questions

Term Life with No Medical Exam

What is term life with no medical exam?

Term life insurance is short term life insurance that provides coverage for a specific number of years.

Usually, a term life policy offers coverage for a "term" of 10, 15, 20, 25 or 30 years. You select your term to meet your own needs - how long you need your life insurance to last.

Term life insurance is the lowest priced life insurance because it is temporary, and does not build up any cash value inside the policy, it is pure life insurance protection.

Term life with no medical exam means you don't have to take any type of health examination, blood or urine test to get your life insurance. And, there's no nicotine test.

You just answer some health questions and the insurance carrier makes the determination on whether or not you qualify for the no exam term life policy.

No exam term life insurance may cost you more than fully underwritten life insurance that does require a medical exam, because the no exam policies may accept some people for coverage who might not otherwise qualify.

You can get a free quote and apply online for your no exam term life policy in about 15 minutes. And, if you qualify, you can start your life insurance today. Keep in mind, there's a money-back guarantee.

Here's how to get your term life with no medical exam

Is It Hard to Get Life Insurance with COPD?

It may be difficult for you to get approved for life insurance if you have COPD.

Since COPD may result in shortening your life expectancy, most life insurers would likely charge more for your coverage, limit the amount of life insurance offered, or decline you depending on your age, health, and prognosis of your condition.

There are high risk life insurance carriers that provide life insurance for people with health issues including COPD.

However, if you are unable to qualify for whole life insurance or term life insurance, there are guaranteed issue life insurance plans for people ages 45 to 85 that provide coverage, and you cannot be turned down due to your health.

Guaranteed issue plans are graded death benefit life insurance which means you have limited death benefits the first two years you are insured. After two years you have full coverage.

Here's how to get life insurance with COPD.

Fidelity Life Hybrid Life Insurance?

What is Fidelity Life Hybrid Life Insurance?

It's a life insurance policy that combines two types of life insurance: Term Life and Accidental Death.

Fidelity Life offers up to $1,000,000 of life insurance with no health exam required.

You can get an instant life insurance quote and apply online for your policy in just minutes.

Most policies are approved within 15 minutes to 48 hours.

With the Hybrid Life plan you get 1/3 term life insurance and 2/3's accidental death. So, if you buy $900,000 of coverage with no exam, you get $300,000 of term life insurance "all cause" coverage, and $600,000 of accidental death insurance that covers death resulting from an accident.

Learn more about Fidelity Life Hybrid Life Insurance

Life Insurance for My Kids

I was considering purchasing life insurance for my kids. But, why is it people choose to buy life insurance on their children - what are the main benefits?

There are several good reasons parents choose to buy life insurance for their children.

Child life insurance plans can provide your kids with the following:

1. Guaranteed death benefit when they are adult and have their own family.
2. Builds cash value inside the policy from which a loan can be taken in the future.
3. Low rates that will remain the same for the life of your child.
4. Option to add additional life insurance when your child reaches adulthood.
5. Your child's life insurance can never be canceled by the insurer due to a change in your child's health.

In addition, many parents choose to buy their kids a life insurance plan so their children build some savings inside the policy, while also having lifetime protection incase the child develops a health issue; such as, diabetes, obesity, or some other health condition which may limit your child's ability to get affordable life insurance as an adult.

Here's how to learn more about life insurance for your kids

Does Life Insurance Test for Marijuana?

When you apply for a life insurance policy you may be required to take a health exam which is paid for by the life insurance company.

The exam may consist of checking your height and weight, your blood pressure, and asking you some health questions. In addition, they may take a blood sample to send to a laboratory for testing.

Testing of your blood may check for any health issues including HIV/AIDs, diabetes, high cholesterol, cancer, high protein levels, STD's, and use of any prescription and/or illegal drugs including marijuana, cocaine and methamphetamine, to name a few.

However, if you have a prescription for your marijuana or live in a state where use of marijuana is legal, there may not be an issue of whether or not you use marijuana.

In addition, there are life insurance companies that offer life insurance without any health exams, blood tests or marijuana testing. Learn more about life insurance drug tests

How Does Term Life Insurance Work If You Don't Die?

Since term life insurance is temporary coverage for the term of your policy, if you outlive the term, your life insurance coverage expires with no payout of any death benefit.

So, if you have a 10 year term life plan, and you are alive when the ten year period ends, there is no more coverage and no payout of a death benefit.

However, if you die during the term of your term life policy, the death benefit is paid out to the person or persons you chose as beneficiary to your life insurance policy.

If your term life insurance ends and you still need life insurance, you may choose to renew your policy for another term usually of 10 years, with an increase in premium.

Learn more about how term life policies work.

What is 25 year Term Life Insurance?

How does a 25 year term life policy work?

It provides you with temporary life insurance protection for a period of 25 years.

With level term coverage you pay the same amount of money each year for your life insurance, for a period of 25 years. The amount of life insurance provided by your policy stays level throughout the entire 25 years.

If you pass away during the 25 year term, your beneficiary receives the death benefit.

If you outlive the 25 years, you may renew your life insurance for another term (usually 10 years), or let the life insurance coverage expire.

Many people choose to purchase a 25 year term life policy to provide affordable protection for debts or financial responsibilities lasting for a period of up to 25 years; such as, a mortgage, or until your children are grown.

Learn more about 25 year term life insurance.

Term Life Insurance at a Low Price?

How can I find a term life insurance policy at a low price?

Well, the price you pay for a term life policy depends on your age and health. So, the younger and healthier you are when you purchase your term life coverage, the lower the price.

Also, the larger the amount of coverage you buy, the higher your price. And, the longer your term, the higher your price.

Term life offers coverage for a duration (term) of 10, 15, 20, 25 or 30 years, usually.

In addition, most life insurance companies offer term life insurance, so by comparing multiple term life rate quotes from the leading insurance companies, you may save quite a bit on your policy, since each insurance carrier has their own pricing and underwriting guidelines for assessing an individual risk for life insurance.

Your personal risk factors also impact your cost of life insurance. These risk factors may include your family health history, your gender, age, health, lifestyle, occupation, hobbies, height-to-weight ratio, tobacco use, driving record, credit history, etc.

The quickest and easiest way to find a good price is to compare term life rates among leading insurers online. That way you get an objective comparison of pricing among insurers without any sales pressure.

Learn more about how to get a low price on term life insurance.

Request a free life insurance quote

Life Insurance for Aging Parents

Do you need life insurance for your aging parents?

Whether or not you've considered it, the cost to pay for a funeral and burial now averages around $7,700.

If you're aging parents do not already have the money saved, you may end up paying for their final expenses, which may include the cost of a casket, burial plot, funeral, memorial service, and headstone, among other things.

If you and your parents have not begun to plan for the future, you may want to consider purchasing a life insurance policy for each of your parents, so that when the time comes there are funds available, and you aren't overwhelmed with financial stress at a time when you will be mourning the loss of your parents.

Adult children can purchase affordable life insurance life insurance plans for their parents. The main requirement to buy life insurance on someone else is that you have an insurable interest in the person. And, adult children do have an insurable interest in their parents.

There are even life insurance plans available for seniors that offer guaranteed acceptance for people age 45 to 85 - with no health exam required and no health questions asked.

Learn more about how to buy life insurance for aging parents.

National Life Group

Who is National Life Group?

It's a life insurance company that offers life insurance coverage without any health exams required.

National Life offers people age 20 to 60 up to $350,000 of no exam life insurance.

Although there's no health exam required, you still have to answer some health questions so they can determine if you qualify for their life insurance plan.

You can request a free quote and apply online for your no exam life insurance policy.

National Life provides same day coverage for people who qualify. Most applicants find out within 15 minutes after applying online if they are approved.

Once approved, you can start your life insurance coverage immediately.

National Life Group offers one of the quickest and easiest ways to get insured for life insurance at an affordable price. And, there's a money-back guarantee.

Here's how to learn more and get your free life insurance quote from National Life Group.

Term Life Insurance Advice

I need advice about term life insurance and how it works.

Term life insurance is short term coverage that lasts up to 30 years.

It's the cheapest type of life insurance because it is temporary and provides pure life insurance protection, there's no investment feature, and it does not build up any cash value inside the policy.

Term life offers coverage for a term of 10, 15, 20, 25 or 30 years. You select the period of time that meets your life insurance needs.

Term life is good for people with temporary life insurance needs; such as, young families who want life insurance until the kids are grown and on their own, or until the home mortgage loan is paid off.

Term life offers the option of renewing coverage for another term, usually 10 years, when your first term life insurance policy expires.

Some term life insurance policies offer you the option of converting your term policy into a permanent life insurance plan if your needs change over time.

Here's some more helpful term life insurance advice to better understand how term life insurance works.

Whole Life Insurance with No Physical?

Can I get a whole life insurance policy without taking a physical exam?

Yes, there are whole life insurance plans available with no health exams required and no health questions asked - these are called guaranteed issue whole life insurance policies.

However, these guaranteed issue plans are available for people age 45 to 85, and you cannot be turned down due to poor health.

Whole life insurance does build up some cash value inside the policy over the years, from which you may be able to take a loan if needed.

Some whole life no exam plans start for as low as $8.80 per month.

You may purchase up to $25,000 of whole life insurance with no physical exam.

Online Term Life Quote

Can I get term life insurance quotes on the internet?

What is a term life quote?

It's an estimate of how much it will closet you to buy a term life insurance policy from a specific insurance company.

Who offers term life insurance quotes?

There are many websites on the internet that offer you access to quote providers for life insurance quotes, including Term Life Online, Accuquote, Intelliquote, and Efinancial, among others.

How does it work?

You just visit one of the life insurance websites, fill out a quote request form, and you instantly receive the best prices for life insurance on your screen. The quotes will show you the names of the insurance companies, the prices offered for a specific amount of life insurance, and the financial ratings of the insurance companies.

Here's how you can request your online term life quote now.

A Plus Rated Life Insurance

What is A plus rated life insurance?

It's life insurance from a life insurance company rated "A+" Superior for financial strength by an independent rating agency.

There are several rating agencies that review the financial statements of insurance companies and determine their financial rating. Some of these rating agencies include AM Best, Standard & Poor's, Moody's and Dunn and Bradstreet.

A rating of A+ is one of the highest ratings available and is an indication that the insurance company is financial secure and able to meet their financial obligations.

You can learn more about financial ratings of life insurance companies by visiting ambest.com

Here is a list of some highly rated life insurance companies including their financial strength ratings from AM Best.

Life Insurance - How Much Do I Need?

I want to purchase life insurance but I'm not sure how much to buy. How do I figure out how much life insurance I really need?

First, you'll want to ask yourself what you want your life insurance to accomplish? Then, how much life insurance will it take to accomplish your goal?

You need to consider your total debt, total savings, annual income, short and long term financial goals, and your future plans, which may include for getting married, starting a family, buying a home, etc.

Many financial experts suggest a person buy up to 10 to 20 times their annual income in life insurance. So, if you earn $50,000 per year, you may need as much as $500,000 up to $1,000,000 of life insurance.

However, you'll also want to take into account any life insurance coverage provided by your employer, as well as, any life insurance your spouse has from their employer, if you are married.

Another option for determining how much life insurance you really need is to use a life insurance needs calculator which can help you instantly determine how much life insurance is right for you.

It's quick and easy - you just answer some basic questions about your financial situation and click on a button to calculate an accurate estimate of how much life insurance you need.

Here's a life insurance needs calculator to help you decide how much life insurance you need.

Low Cost Life Insurance for Young Adults

What is the lowest cost life insurance for young adults?

If you're a young adult looking for low cost life insurance, you may want to consider term life insurance.

Why term life? Because it's the lowest cost type of life insurance available.

Term life is temporary coverage for a period of up to 30 years. With term life you choose how long you need your life insurance to last.

You can select a "term" for coverage of 10, 15, 20 or 30 years. The shorter the term, the lower the price.

In additino, you can convert some term life policies to permanent life insurance if your needs change in the future.

Term life insurance is good for young adults because it's low cost, offers flexibility of choosing how long your life insurance will last, and it's easy-to-understand.

You can compare instant term life insurance quotes from several leading life insurance carriers to find the lowest cost life insurance policy right now.

Which Life Insurance is Best Term or Whole Life?

The best life insurance for you depends on your own personal situation - what you want your life insurance policy to accomplish.

If you want your life insurance to provide protection for a period of 30 years or less, then a term life insurance plan will provide you with the most affordable protection.

If you need guaranteed lifetime life insurance protection then a whole life insurance policy will meet your needs.

Also, some term life insurance plans offers the option to convert your term life coverage into a whole life insurance policy if you choose to do so. This may be referred to as the "Conversion Privilege", also known as, convertible term life insurance coverage.

Term life costs a lot less than whole life insurance, but lasts for a period of 10, 15, 20, 25 or 30 years with level premiums.

Whole life has level premiums for your entire life, but the premiums are much higher than you would pay for the first 30 years of term life insurance coverage.

Here's how you can learn more about term versus whole life insurance.

Who Should Own Your Life Insurance Policy?

Are you considering the purchase of a life insurance policy?

If so, one of the choices you will make when buying your policy is who will be the owner?

This may sound like a simple decision, you just name yourself as the owner of your life insurance policy.

But, what if you are a grandparent buying life insurance on your grandchildren? Maybe you'll want to make the parents of the children the owners, in case you are not alive to continue making payments before the grandkids are grown.

In addition, many seniors may want to make their adult children the owners of their life insurance plans, since the kids are probably the beneficiaries, and they can manage the payments of the life insurance policy premiums, in case the senior (you) purchaser of the life insurance becomes disabled, or unable to manage their financial matters.

Learn more about who should own your life insurance policy

How to get Senior Life Insurance Quotes?

I'm a senior looking to compare prices on life insurance - how can I get free quotes?

First of all, life insurance quotes are not charged for, they are all free.

Next, you can compare life insurance prices by contacting a local insurance agent, calling insurers direct, or by visiting a life insurance website which can give you instant price quote comparisons from several leading life insurance companies.

Before comparing prices, you should consider your need for life insurance - what do you want your life insurance policy to accomplish?

Many seniors purchase life insurance to provide funds to pay for their final expenses, leave money to pay for estate taxes, leave money to a spouse, children or grandchildren, or provide a legacy to some charitable organization.

Next, consider what type of life insurance will meet your needs - Term or Whole life. Term life is temporary life insurance for a period of 30 years or less. Whole whole life insurance provides guaranteed lifetime life insurance protection.

Also, think about how much life insurance you need to accomplish your goals.

Here's how you can compare senior life insurance quotes online from 70 leading life insurance carriers in less than 3 minutes, with no obligation and no hassles.

Life Insurance without Medical Exams?

Can you buy life insurance without taking any medical examination?

Yes, life insurance companies offer life insurance plans with no exams required.

How does it work?

It depends on the insurance company requirements and the type of life insurance plan.

Most no exam life insurance plans come in one of two forms: Simplified Issue Term or Guaranteed Issue Whole Life.

Each type of no exam life insurance plan will have age requirements and limits on how much life insurance they offer.

For example, some carriers offer up to $350,000 of term life with no exam, but a few health questions asked, for people age 20 to 60.

As for guaranteed issue life insurance, some carriers offer up to $25,000 of coverage for people ages 45 to 85. There's no health exam required and no health questions asked for guaranteed plans.

Here's how you can compare life insurance without medical exams

Why Does Life Insurance Take Blood?

If you need life insurance and are considering the purchase a life insurance policy, you may be curious as to why a life insurance company would require you to take a blood test.

Actually, most life insurance carriers require the applicant to take a medical exam which may also require a blood sample which is sent to a laboratory for testing.

But, what do they test your blood for?

Life insurance approval and pricing is based on your longevity - how long you are expected to live.

If you have a health condition or use illegal drugs you may have a shortened life expectancy, making you a less than desirable risk for life insurance.

A life insurance blood test may check your blood to see if you have high protein levels, diabetes, STD's, HIV/AIDS, legal and/or illegal drugs ion your system, nicotine, or other health issues.

The insurer uses this information from your blood tests to verify your answers on the application as to your health, and to help determine if they should insure you and what to charge for your life insurance policy.

However, there are life insurance policies with no health exams and no blood tests required. You can even get an instant quote, apply online, and start your life insurance policy today, if you qualify.

What Life Insurance Company is Rated The Best?

Which life insurance carrier is the best rates life insurance company in America?

When it comes to finding the best rated life insurance there are several ways to compare carriers, including by financial strength rating, number of policies issued, total assets, customer service rating, and longevity, among other factors.

The highest rating offered a life insurance company by AM Best for financial strength is A++ Superior. There are several life insurance companies with this highest rating, including Northwestern Mutual and New York Life Insurance Group, among others.

Here is a list of the Top Life Insurance Companies in America including their financial strength ratings.

Why Should I Buy Life Insurance on a Newborn Baby?

There are a couple of good reasons. First, the cost of life insurance is a set price for whole life insurance. That means that if you purchase a life insurance policy for let us say, $5 a month for your child, they will still be paying $5 a month when they are 25 years of age.

The price for your child's whole life insurance plan never changes, despite whatever health issues arise in the future.

The other reason is that it is unfortunate but true that some children die. And their funerals can be expensive. If it would be a financial hardship for you to be able to pay for the cost to bury your child, then that $5 a month is a really good hedge.

Also, if there is a health issue that surfaces later in your child's life that could impact significantly your child's health throughout their life, then getting the affordable life insurance coverage before the issue arises may be a true benefit for your child's future. You may get as much as $30,000 of life insurance coverage for around $5 per month which is a great gift of life to provide to your children when they become adults and start their own families.

Here's how to learn more about getting life insurance for your newborn child.

Affordable Life Insurance for Seniors Over 75

What is the most affordable life insurance for seniors over age 75?

The most affordable life insurance is term life insurance. It's temporary life insurance that lasts for a specific period of time. So, it is not guaranteed to last your entire lifetime. That's why it costs less than permanent life insurance. And, it does not build any cash value inside your policy, it is pure life insurance protection.

Term life plans are usually available for a period of 10, 15, or 20 years for seniors, depending on how old you are when you purchase your life insurance policy.

If you do not qualify for term life insurance due to your age or health, you may want to consider a guaranteed issue life insurance plan that offers up to $25,000 of life insurance without any health exam or health questions asked.

Here's how you can learn more about finding affordable life insurance for seniors over 75.

Get a free life insurance quote

Level Term Life Insurance for Seniors

What is level term life insurance for seniors?

It's temporary life insurance protection for people over age 50 that provides life insurance for a term of 5, 10, 15, 20 or 30 years.

With level term life your premiums are the same each year, and the amount of life insurance coverage provided by your term life policy stays level for the entire duration of your policy.

Senior level term life insurance costs less than whole life insurance because it is temporary, and may or may not last your entire lifetime.

Here's how you can compare level term life insurance rates for seniors.

Life Insurance Coverage without Health Questions

Can I get life insurance coverage without having to answer any questions about my health?

There are life insurance plans available with no health questions asked, and no health exams required.

These plans are called "Guaranteed Issue" life insurance because you cannot be turned down due to your health.

Basically, if you meet the age requirements for acceptance, you are guaranteed coverage as long as you can pay the premiums.

However, there are limited death benefits the first two years you are insured under a guaranteed issue life insurance policy.

There is a highly-rated life insurance company that offers life insurance coverage without health questions for people age 45 to 85.

Which Life Insurance is Better for Over 60?

What type of life insurance policy is best for people age 60 and over?

It really depends on what goal you want your life insurance plan to accomplish.

If your need for life insurance is short term, for a period of 20 years or less, then a term life insurance policy can help. However, if you want life insurance to provide for your final expenses, no matter how long you live, then a whole life insurance policy would help you to accomplish your goal.

There are also no exam term life insurance plans. Fidelity Life offers no exam life insurance for folks age 65 and under.

Another type of no exam life insurance plan is guaranteed issue life insurance for people age 45 to 85. There's no health exam, no health questions, and you cannot be turned down due to your health.

Learn more about finding the best life insurance for people over 60 years old.

No Exam Instant Life Insurance

Is there life insurance without any exams you can buy instantly online?

Yes, depending on your age and health, you may qualify to purchase instant no exam life insurance coverage on the internet.

One of the quickest and easiest plans you may purchase online is through National Life Group. They offer instant issue term life insurance without any health exam required, but you will have to answer some health questions.

With National Life Group you can apply safely and securely online and find out usually within 15 minutes if you are approved for your term life insurance policy.

Once approved, you can choose a payment method and start your life insurance protection the same day.

People age 20 to 60 may qualify for the instant no exam life insurance from national Life Group, and they have a money-back guarantee if you're not satisfied with your life insurance plan.

Learn more about no exam instant life insurance and request your free quote today.

Cancer Life Insurance Policies?

Are the life insurance policies for people living with cancer?

Yes, people with cancer may purchase a life insurance policy.

However, it will depend on the type of cancer you have, your diagnosis, and how your cancer is being treated, as well as, your age, health and if your cancer is in remission, among other factors.

However, many life insurance companies may not offer a fully underwritten life insurance policy if you have cancer.

But, there are guaranteed issue life insurance plans available for people age 45 to 85, and they cannot turn you down due to your health.

Learn more about how to find cancer life insurance policies and get insured for life insurance.

Can you get a life insurance policy on anybody?

No, you cannot get a life insurance policy on anybody.

In order to buy life insurance on another person you must have an insurable interest in that person.

Insurable interest basically means you either rely on that person for some means of financial support, or that you would suffer financially if the person were to die.

For example, a wife has an insurable interest in her husband, and would suffer if she did not have his income upon which she relies to help pay the bills.

Or, an adult child has an insurable interest in his or her parent because they may have to pay for the final expenses of a funeral and the burial costs upon the passing of a parent.

Learn more about who you can insure for life insurance.

Final Expense Insurance for Over 75

Can people over age 75 get final expense life insurance coverage?

If you're over age 75 and need life insurance to provide money to pay for your final expenses there are life insurance plans available.

And, even if you have a health condition or a major health problem, you can still get insured.

It's called guaranteed issue final expense insurance and people ages 45 to 85 can get covered.

With final expense life insurance you don't have to take any health examination, and there's no health questions for you to answer.

Your approval is guaranteed if you meet the age requirements (age 45-85). You cannot be turned down due to any health problems.

Learn how to get final expense insurance for people over 75 years old.

Easy Life Insurance with No Exam

Is there easy life insurance you can purchase online without taking any health exam?

Yes, there are easy issue life insurance policies available without any health exam required.

In fact, one life insurance company offers you from $25,000 up to $350,000 of life insurance with no exam.

You can choose your term of coverage from 10, 15, 20 or 30 years of life insurance protection.

Although there is no exam required, there are some health questions asked.

You can get an instant life insurance quote and apply online for your life insurance policy in about 15 minutes.

And, most approvals for coverage are within 15 minutes. If you are approved, you can start your life insurance today.

Here's how to buy easy life insurance with no exam

Life Insurance That Pays Off Mortgage

Is there life insurance coverage that pays off your mortgage?

Yes, you can use life insurance to pay off your home mortgage loan.

Many homeowners choose to purchase a mortgage payoff insurance policy to pay off the remaining balance on their mortgage loan in case they pass away before it is completely paid off.

That way, if you do pass away before paying off the loan, your family will have the money needed to pay off the mortgage and remain in the home they shared with you. It's a way to protect your family and your home, so your loved ones can keep living in the home in which they shared so many memories with you.

Learn more about buying life insurance that pays off mortgage.

High Risk Whole Life Insurance

Is there whole life insurance available for people considered a high risk?

Yes, there are whole life insurance policies for high risk people.

There are several different reasons an insurer may consider an applicant a high risk for life insurance, including due to age, health, hobbies, lifestyle or occupation, among others.

However, high risk life insurance companies specialize in insuring high risk people for life insurance and offer high risk life insurance plans.

Some of the leading providers of high risk permanent life insurance coverage include United of Omaha, Metlife, and Colonial penn, among others.

There are guaranteed acceptance high risk whole life insurance policies available for people age 45 to 85. If you meet the age requirement you cannot be turned down due y=to your health issues.

Disability Insurance

What is disability income insurance?

It's a type of insurance that protects your income.

If you get ill or have an accident, your disability insurance policy pays you money each money you are unable to work.

The amount you are paid will depend on your current monthly income. Usually, disability insurance plans pay from 50% to 80% of your monthly income if you are unable to work due to injury or illness.

How much does disability insurance cost?

You can request a free disability income insurance quote online with no delays and no obligations.

What life insurance is best for seniors?

The best life insurance for seniors will depend on what goal you want your life insurance to accomplish.

If you need the maximum amount of life insurance available at the lowest cost, for a temporary period of time of 20 years or less, then a term life insurance policy may offer the most affordable life insurance coverage.

However, if you need guaranteed lifetime life insurance protection a permanent life insurance policy may offer a good option for you.

Term life insurance will end if you outlive the "term" of your policy, while permanent life insurance provides lifetime protection.

In addition, if you have health issues there are guaranteed issue life insurance plans that will accept you even if you have health problems.

Learn more about what life insurance is best for seniors

Final Expense Insurance Companies

What companies offer life insurance for final expenses?

There are several highly-rated life insurance carriers that offer final expense life insurance plans.

Some of the leading providers of final expense life insurance include the following:

1. United of Omaha
2. Met Life
3. Colonial Penn
4. AARP/NewYork Life
5. Forester's
6. Cigna
7. State Farm
8. Transamerica
9. Everest
10. Nationwide

Here's how you can compare final expense insurance rates online today.

The Difference Between Term Life and Whole Life Insurance?

What is the difference between a term life insurance policy and whole life insurance?

A term life insurance policy is temporary life insurance that provide protection for a specified period of time. For instance, if you have a home mortgage loan and you want to protect your family and make sure they have money to pay off the mortgage in case you die, you may want a 30 year term life insurance plan to match the 30 year mortgage loan.

Or, if you have young children, you may want to a 20 or 30 year term life insurance policy to provide protection until the kids are grown up and on their own.

Whole life insurance provides lifetime protection and may build up some cash value inside the policy.

Term life insurance costs a lot less than whole life insurance. That's why many people buy a larger term life insurance policy to meet their short term life insurance needs of 30 years to less, and they also buy a whole life insurance policy to help provide funds for their final expenses.

Here's how you can compare term life and whole life insurance coverage.

Life Insurance and DUI's

Is it possible to get life insurance if you've had a DUI?

Yes, there are life insurance carriers that insure people with a DUI on their driving record.

However, you will be paying a higher premium for your life insurance compared to someone who has a good driving record.

In addition, they will take into consideration when the DUI occurred, your overall driving record, if you have an alcohol abuse problem, and other factors in order to determine if they will insure you and what premium to charge for your life insurance coverage.

One of the leading insurance companies offering life insurance for people with a DUI is Prudential.

Learn more about Life insurance for people with a DUI

What is the Best Term Life Insurance Policy?

I need a term life insurance policy but I'm not sure which would be the best company for term life coverage.

Finding the best term life insurance company doesn't have to be difficult.

You can compare instant term life insurance rate quotes online from a large network of leading term life carriers. Your quotes will give you the insurer names, financial ratings, and prices you will pay based on your information provided for your quote comparisons.

There's a couple good reasons to compare multiple term life insurance quotes:

1. You get objective life insurance quotes instantly.

2. You get price quotes from many insurers instead of only a few.

There are many insurers and some are more competitive for certain types of risk; such as, diabetics, seniors, young adults, or cigar smokers. That's why you'll want to compare pricing among several highly-rated life insurance companies.

Life Insurance for Seniors with Health Issues

Can a senior citizen with health problems get life insurance?

It depends on your health issues, your age, and the insurance company you apply to for life insurance coverage.

There are life insurance companies offering fully underwritten life insurance plans requiring a medical exam for people who are seniors with health issues.

In addition, there are guaranteed issue life insurance policies available for seniors. These plans do not require any health exams or health questions. And, you cannot be turned down because of your health.

The one catch with guaranteed approval plans is that they have graded benefits the first two years you are insured. That means, you won't have full coverage until after being insured for two years. That's how they can accept everyone who applies.

Some of the leading providers of guaranteed issue no exam life insurance policies for seniors include United of Omaha, MetLife and Colonial Penn, among others.

Here's how you can buy life insurance for seniors with health problems

Life Insurance for People Over Age 80

Is there life insurance available for someone over age 80?

Yes, United of Omaha offers guaranteed approval whole life insurance protection for people age 45 to 85.

There are no health exams required and no questions asked about your health.

You can get an instant quote and apply online for your life insurance policy in minutes.

And, you cannot be turned down due to any health problems.

You can choose from $3,000 up to $25,000 of permanent life insurance protection.

Here's how to get life insurance for people over age 80

How Life Insurance Policies Work?

How does a life insurance policy work?

A life insurance policy is a contract between a person (the owner of the life insurance policy) and the insurance company.

The owner which can be the insured person, agrees to pay premiums to the insurance company in return for a death benefit being paid out by the insurer to there beneficiary of the policy upon the dearth of the insured person.

The owner of the policy chooses a beneficiary when purchasing the life insurance. The beneficiary is the one who receives the death benefit from the life insurance policy, usually tax free, when the person who is insured dies.

Learn more about how life insurance policies work

Term Life Insurance Policy Features

What are the features of a term life insurance policy?

There are several common features of term life insurance policies, including the duration of your policy, and the options of convertibility and renewability.

The most common features of term life insurance include:

1. Term of Policy - the length of time you have life insurance coverage.
2. Term Options - Choose term life coverage for a period of 10, 15, 20 or 30 years with most term plans.
3. Level Premiums - Level term life insurance has premiums that stay the same each year for the entire duration of your term life policy.

Here are some more common features of term life insurance

Parties to a Life Insurance Policy

Who are the parties involved in a life insurance policy?

A life insurance policy is actually a life insurance contract between the insurance company and the owner of the life insurance policy.

The owner of the life insurance agree to pay a premium to the insurance company in return the insurer agrees to pay out a death benefit upon the death of the insured person. The recipient of the death benefit would be the person or persons named in the life insurance policy as beneficiary.

The parties to a life insurance policy include the insured person, owner of the life insurance policy, the life insurance company, the primary beneficiary and the secondary beneficiary.

What is the Quickest and Easiest Way to Get Life Insurance?

The quickest and easiest way to buy life insurance is to get instant issue life insurance with no exams online.

Today consumers like you want to get started with their life insurance as soon as possible, without the hassles and delays of the traditional life insurance buying process of past years.

The internet now makes it possible for consumers to complete the entire life insurance buying process online and start their life insurance coverage the same day they apply online - if they qualify for life insurance.

Some insurers have simplified the buying process of life insurance making it possible for you to get an instant life insurance quote, apply online (safe and secure), and purchase your life insurance all at the same time. And, if you qualify you can start your life insurance protection today.

These instant issue life insurance plans do not require you to take any health exam, but there are some health questions for you to answer when you apply online for your policy. And, these policies come with a money-back guarantee.

Here's how to get the quickest and easiest life insurance

Life Insurance for Singles

Does a single person need life insurance coverage?

That depend son your personal situation. Do you have anyone who relies on you for some financial support?

If you are single, but you provide financial support for a family member, charity, or for a friend, you may want to consider life insurance.

Also, if you plan on one day getting married and starting your own family, you may want to consider purchasing life insurance, since rates are lowest while you are young and healthy.

There are many reasons to buy life insurance for singles.

How Much Does Life Insurance Cost on Average?

When it comes to the cost of life insurance, what you pay will depend on your own personal risk factors, and the type and amount of life insurance you buy.

So, there isn't really one average cost of life insurance, because each person's needs are different, and each life insurance company has their own set of rates for consumers based on the person;s risk factors.

However, it is simple to determine your own average cost of life insurance.

You can request a life insurance quote online from a quote provider.

After requesting your quotes you will instantly receive your premiums quoted, then you can determine the average cost of your life insurance by adding the total premiums and dividing by the number of quotes offered - to get your average cost of life insurance.

Does term life insurance pay out at the end?

Does a term life insurance policy pay out at the end of the term?

A term life plan is temporary life insurance for a set number of years. If you pass away during the term of your policy, your death benefit is paid out to the person or persons named as beneficiary to your life insurance policy.

If you are alive when your term ends, there is no death benefit paid put on your term life policy, your life insurance coverage expires.

However, if you have a return of premium term life insurance policy and you outlive the term (duration) of your term policy, you will get back most of the premiums you paid for your term life insurance coverage.

Keep in mind, premiums are higher for a return of premium policy compared to a regular term life policy. You are betting that you will survive for the entire term, and get your money back.

What does Level Term mean?

Level Term refers to the period of time for which you have level premiums for your life insurance coverage, and the length of time your life insurance policy will provide coverage.

For example, a 10 year level term policy with $250,000 of coverage for $300 per year:

Based on the above example, you would have life insurance protection for a period of 10 years. Each year you would pay $300 to the insurance company for your life insurance policy. If you die within that 10 year period before the policy expires, your beneficiary would receive the $250,000 death benefit from your life insurance policy.

So, your premiums remain "level" for the entire "term" (duration) of your term life insurance policy. In addition, the amount of life insurance provided by your policy remains the same each year for the entire term.

Level term insurance is the cheapest type of life insurance available for a period of 30 years or less. In addition, there are level term life insurance policies with no health exams required. You may even be able to start your level term life plan today, if you qualify.

Where online can someone get a quote for term life insurance?

There are many websites on the internet that offer you the opportunity to request and compare instant term life insurance rate quotes from a network of highly-rared life insurance companies.

Some of the leading life insurance quote providers include 1ClickCoverage, Termfinder, Efinancial, AccuQuote and QuickQuote, among others.

You just visit their sites, fill out a quote request form, and you instantly receive side-bye-de life insurance quote comparisons from some of the best life insurance carriers in America.

If you like the quotes offered, you can call their toll-free number for assistance, or request an application for life insurance coverage.

Some life insurance quote providers even offer no exam life insurance you can start today.

Here's how you can get a quote for term life insurance today.

Who buys term life insurance?

Many different types of people buy term life insurance for temporary life insurance needs, such as,

Individuals

Couples

People on a Budget

Married Couples

Young Families

Homeowners

Newlyweds

Expecting Parents

People with a Mortgage

Learn how you can buy term life insurance online starting today.

Can you take out more than one life insurance policy for yourself?

Yes, you can take out more than one life insurance policy on yourself.

Some life insurance companies that sell the easy issue type of life insurance policies may restrict the total dollar amount of life insurance coverage that you can buy. Other than that, if you are taking out regular life insurance policies (the kind that you give a physical exam, blood test, and check your medical records) you should be fine.

Many times individuals may have multiple life insurance policies with the same company as one may be a term life policy and the other a permanent life policy, or you may have two term policies with different term lengths to meet your life insurance needs for your family.

Learn more about how many life insurance policies you can own

Is there Term life insurance for diabetics?

Yes, there is term life insurance for people living with diabetes.

Unless you have Diabetic Nephropathy or Constant Albuminuria, you should be able to get life insurance coverage as a diabetic.

Your rate for life insurance will depend on how controlled your diabetes condition is, your age, tobacco use, height-to-weight ratio, and your overall health,a kong other key factors.

If your diabetes are under control you could qualify for a Standard Rating or be table rated if it's not being controlled well.A standard rating is the rate applied to your life insurance for a person that presents the average risk for someone insured for life insurance.

Learn more about term life insurance for diabetics

Can you get life insurance for your father if he was recently diagnosed with ALS?

Yes, there are life insurance plans available for people with ALS.

These plans are called guaranteed issue life insurance and accept anyone who meets the age requirement, and lives in a state in which the life insurance company is licensed to do business.

For example, one guaranteed plan offers up to $20,000 of permanent life insurance for people age 45 to 75, while another insurer offers up to $25,000 of permanent life insurance for people age 45 to 85.

There are no physical exams required and no questions asked about your health.

There are limited benefits the first two years you are insured, that's how they can guarantee acceptance for everyone.

Here's how to buy guaranteed acceptance life insurance online.

Life Insurance and Medical Exams - Why are they required?

Why do life insurance companies require you to take a medical exam to purchase a life insurance policy?

Life insurers review the information provided by your medical exam to determine if you are a good risk for life insurance. They want to understand your health, and try to determine how long they expect you to live. That way, they can estimate how much you will pay them over the years you are insured, before you might pass away.

A medical exam can check your blood pressure, ask you additional health questions, request information about your personal doctors and any prescriptions you take, and take a sample of your blood to have it tested by a laboratory.

The results of any blood tests should identify if you have any tobacco in your system, if you use any legal or illegal drugs, if you have high cholesterol, high protein levels, and STD's including HIV/AIDS, or if you have diabetes, or any other health issue.

The medical exam is paid for by the life insurance company. If you disagree with the test results, you may request another exam or blood yes, but they may not allow it, or perhaps they may not pay for the second test.

In addition, some insurers do not require life insurance medical exams. Here's how you can learn about life insurance with no medical exams required.

Can I Get Life Insurance Direct Online Today?

Is it possible for me to purchase my life insurance direct online and start my life insurance coverage today?

Yes, you may be able to get your life insurance protection online and start your policy today.

There is a life insurance company that offers "Same Day" life insurance protection for people who qualify for coverage.

In order to qualify, you will have to apply for coverage to find out if you are approved. Many approvals are in as little as 10 or 15 minutes.

You can get an instant life insurance quote and apply online (safely and securely) for up to $350,000 of instant issue life insurance protection.

If you are approved, you may start your life insurance policy today. And, there's a 30 day money-back guarantee.

Learn more about how you can buy life insurance direct online today

Life Insurance for Married Couples?

Do married couples need life insurance?

Yes, if you have someone who relies on you for financial support, you may need life insurance. If you're married, your spouse may rely on your income to help pay the bills.

What type of life insurance is best for married couples?

That depends on what you want your life insurance to accomplish.

Many married couples buy a 20 or 30 year term life insurance policy (on both spouses) so there is protection while you still have a mortgage, the kids are growing up, and to make sure your income is replaced by the life insurance death benefit should one of you pass away.

However, you can each own more than one life insurance policy. So, if you want term life insurance for your short term needs of 30 years or less, and a permanent life insurance policy for your lifetime needs, that may be something to consider.

Here's how to learn more about finding affordable life insurance for married couples

What is a Life Insurance Policy?

A life insurance policy is an agreement between the insurance company and the insured person who owns the life insurance policy.

The insurance company agrees to pay out a death benefit upon your death, to the person you choose to receive the money (your beneficiary), and in return, you agree to pay a regular premium payment to the insurance company for the life insurance coverage.

Many people choose to buy life insurance as a way to replace their income for their family in case they die.

For instance, a father who works to provide for his family may purchase life insurance to leave to his wife in case he dies while the children are young and still at home. The money from the life insurance policy usually goes to your beneficiary free from any federal income tax. And, your beneficiary can use the money for any reason, which may include to pay the monthly bills, pay for your funeral, pay off the home mortgage, or provide for your child's education, among other things.

Find out why term life insurance is the most affordable type of life insurance.

Fidelity Life Insurance with No Exam

What is Fidelity Life Insurance with No Exam?

It's a term life insurance plan that offers coverage for a term of 10, 15, 20 or 30 years.

Fidelity life with no exam offers you up to $499,000 of term life insurance protection without having to take any health examination, blood or urine tests and there's no testing for tobacco use.

To get Fidelity life without an exam you can request a free life insurance quote and apply completely online through their safe, secure application process.

You'll bee asked some questions about your health which will help Fidelity Life determine if you qualify for their no exam life insurance plan.

No exam life insurance is a way to make the life insurance purchasing process quick, easy and get you insured in a day or less, if you qualify, instead of waiting 4 to 6 weeks for the underwriting of your life insurance policy and taking a health exam.

Here's how you can learn more about Fidelity Life with No Exam

What is Lifetime Life Insurance?

Lifetime life insurance is life insurance that provides protection for your entire lifetime.

Whole life insurance, also known as, permanent life insurance provides guaranteed lifetime life insurance protection as long as your premiums are paid on time.

Whole life insurance lasts your entire lifetime and builds up cash value inside your policy over time from which you may take a loan if needed.

The other type of life insurance is term life insurance which provides temporary life insurance for a specific number of years. Most term life policies offer coverage for 10, 15, 20 or 30 years. It is pure protection, there is no cash value inside the policy, just life insurance protection.

Term Life Insurance vs. Accidental Death

How does a term life insurance policy compare with accidental death insurance and what are the differences?

A term life insurance policy provides life insurance coverage for a set num,her of years, just as an accidental death policy does.

However, an accidental death insurance plan only pays out a death benefit if you die as a result of an accident, and within a certain period of time of the accident occurring; such as, within 6 months.

Whereas, a term life insurance policy pays out a death benefit for death resulting from accidents and natural causes.

Many people choose to buy accidental death insurance to supplement other life insurance plans they own, because they have high risk jobs or take part in high risk activities.

Life Insurance Quotes Comparison

What is a life insurance quotes comparison?

A life insurance quotes comparison is an estimate of your cost of life insurance, comparing pricing from several insurance companies at once.

How long does it take?

It only takes a minute or two to fill out a quote request form and instantly receive your life insurance quotes.

Which life insurance carriers are quoted?

Usually, a life insurance quote provider will work with a large network of the highest rated life insurance carrier suffering the best pricing on life insurance. The network of insurers may vary by provider, but usually includes Prudential, Met Life, Northwestern Mutual, Banner Life, ING, American General, Genworth, and many more of the leading life insurance carriers.

What is included in the quote comparisons?

Life insurance quote comparisons will usually show you the names of the insurers quoted, their AM Best financial ratings, the type and amount of life insurance, the prices, and the premium payment options available.

Where can I compare life insurance quotes?

One of the leading quotes providers for life insurance is Efinancial which has been offering life insurance rate comparisons online for over a decade. You can instantly compare the 12 lowest prices for life insurance from more than 70 of the leading life insurance carrier sin America. Request your Efinancial life insurance quote comparison now.

Why Would Children Need Life Insurance?

If you're a new parent you may be wondering why you may need life insurance for your child, or why children would ever need life insurance?

Well, there are some very important benefits of children's life insurance for you and your child.

First, a child life insurance plan provides a death benefit if your child should pass away. You as the owner and beneficiary of your child's life insurance policy would receive the death benefit to use as you see fit. You can use the funds to provide a memorial and funeral for your child.

In addition, a children's life insurance plan can provide your child with important coverage bot now and in the future.

Child life insurance provides your child with lifetime life insurance protection with a guaranteed rate that will never increase.

And, your child may add more coverage to his or her policy when reaching adulthood.

Also, without child life insurance your child may be unable to qualify for life insurance as an adult if her or she develops a health issue; such as, diabetes or becomes overweight.

Also, a child life insurance policy builds cash value inside the policy from which your child may take a loan if needed in the future.

What Terms are available for Level Term Life Insurance?

Level term life insurance is temporary life insurance coverage that provides insurance for a specifics number of years.

Most life insurance carriers that provide level term insurance offer "terms" of 10, 15, 20 and 30 years. Hoeever, some insurers may offer level term coverage for a term of 5 years, or even longer than 30 years, depending on the carrier.

The length of your "term" for level term insurance is the period of time that your premiums remain the same each year.

In addition, the amount of life insurance coverage provided by a level term policy stays the same each year you are insured throughout the life of your "term".

For example, if you buy a $250,000 10 year level term life insurance policy costing $350 per year:

That means you would have $250,000 of life insurance coverage for 10 years, and reach year you would pay $350 for the life insurance protection.

Compared to other life insurance plans, level term offers the most affordable life insurance for up to 30 years of coverage.

Life Insurance for People with Bad Health?

Is there any life insurance available for people with bad health?

Yes, there may be some life insurance offered for people with poor health.

You may have a couple of options available if you have bad health:

1. Contact a high risk life insurance broker who specializes in placing life insurance with high risk insurers.

2. Purchase a guaranteed issue life insurance policy.

High risk life insurance brokers have access to several insurers that provide life insurance for people with poor health.

Guaranteed issue life insurance plans accept everyone who meets the age requirements for acceptance. For example, United of Omaha offers guaranteed acceptance life insurance for people age 45 to 85.

And, you may be able to purchase guaranteed issue life insurance from more than one life insurance company.

Here's how to buy life insurance for people with bad health

Life Insurance for Stay at Home Parents

Does a stay at home parent need life insurance?

Yes, stay at home parents may need life insurance. Why not?

Just consider everything you as a stay at home parent do for your family. You watch the kids, do the grocery shopping, clean the home, wash the clothes, run errands, take the kids to sports and practices, and much much more.

Now, consider how much it would cost for your spouse to pay someone to perform all of the tasks you do on a daily basis. Actually, it may cost up to $50,000 or more, each and every year while the kids are growing up.

So, not only does your family rely on the main bread-winner in the family, they also rely heavily on you.

That's why it's so important for both parents to have life insurance protection, even if one is a stay at home parent. Because we all know being a stay-at-home parent can be more than a full-time job.

Learn more about life insurance for a stay-at-home parent today.

Term Life Insurance

What is a term life insurance policy?

It's a life insurance plan that provides guaranteed life insurance protection for a set number of years, usually lasting for a term of 10, 15, 20 or 30 years.

If you die during the term, your death benefit is paid out to your beneficiary.

If you outlive the term of your term life policy, the coverage ends.

Because term life is temporary life insurance coverage it costs 2 to 3 times less than permanent life insurance which provides lifetime protection.

With level term life insurance you have an amount of life insurance that will stay the same each year for the entire duration of your term life policy, and the amount of premium you pay each year stays level for the term of your policy.

Request your Free 10 Minute Guide to Term Life Insurance to learn more about how term life insurance works and why term life insurance offers you the most life insurance protection at the lowest cost.

Term Life Insurance Tips

What are some tips for finding affordable term life insurance coverage?

If you want to find the right term life policy from a highly-rated company make sure to consider these tips:

1. Compare multiple term life insurance rate quotes from several life insurance companies.

2. Choose the right amount of life insurance coverage that meets your needs, so you aren't paying for life insurance you don't need.

3. Make sure you choose life insurance for the correct length of time you need coverage. Term life offers life insurance protection for a term of 10, 15, 20 or 30 years. The longer your term for coverage the higher your rate.

4. Consider annual premium payments instead of monthly, since most insurers add a fee or additional charge if you make more than one payment per year for your life insurance coverage.

5. If you smoke, quit smoking since smokers pay up to 2 to 3 times more for the same amount of life insurance compared to non-smokers.

Here's how you can compare instant term life insurance rate quotes from 70 of the leading life insurance carriers.

$25,000 Whole Life Insurance Policy

Is there a whole life insurance policy I can buy for $25,000 of coverage and no exams?

Yes, in fact, there are guaranteed issue whole life policies available providing up to $25,000 of life insurance protection.

If you are between the ages of 45 to 85 you can purchase a $25,000 whole life insurance policy online and there's no health exams and no health questions asked.

The best part is you can't be turned down due to any health problems.

The guaranteed issue life insurance plan comes with a 60 day money-back guarantee in case you aren't satisfied with your policy, you can return it and get your money back - so there's no risk.

Here's how to buy a $25,000 whole life insurance policy today.

Can you get life insurance after cancer?

Is it possible to get life insurance after you have been diagnosed with cancer, or survived cancer?

It is possible to get fully underwritten life insurance if you have survived cancer, and it is in remission, but it depends on how long your cancer has been in remission.

And, there are guaranteed acceptance life insurance plans available for people age 45 to 85 with no physical exam required, and no health questions asked. You cannot be turned down due to your health.

However, guaranteed life insurance has graded death benefits the first two years you are insured, so you won;t have "full" coverage right away, but after two years. This may be the only type of life insurance available for someone with a cancer diagnosis.

Final Needs Life Insurance

What is final needs life insurance and where can I get coverage?

Final needs life insurance is a type of life insurance policy that provides the funds needed to help pay for your final expenses, including your funeral, burial, memorial service and related expenses.

A final needs life insurance plan may offer up to $25,000 of life insurance protection.

You are guaranteed acceptance if you meet the age requirements - some plans offer guaranteed acceptance for people age 45 to 85.

In addition, there's no physical examination required and there are no health questions asked.

These plans usually have limited benefits the first two years you are insured.

You can get a free quote and apply online for your final needs life insurance policy today.

Final life insurance for seniors for ages 50-80

Is there final life insurance for people ages 50 to 80?

Yes, there are life insurance plans that provide money to pay for your final expenses and people ages 50 to 80 may qualify.

In fact, there are guaranteed issue permanent life insurance policies available for people between the ages of 45 to 85.

Final life insurance policies provide guaranteed lifetime protection as long as you continue to pay your premiums on time. And, these life insurance policies build up some cash value inside the policy over the years, from which you may be able to take a loan, if you need it.

However, some final life insurance policies may have graded death benefits the first two years you are insured, which means you don't have full coverage right away, but after you are insured for two years you have full protection. That's how the insurers can offer guaranteed acceptance without any health exams or health questions asked.

Some of there leading providers of final expense life insurance policies include United of Omaha, Met Life and Colonial Penn, among others.

Learn more about how to get final life insurance for seniors for ages 50-80

Senior Final Life Insurance Program

Is there a final life insurance program available for seniors to get insured so there's money to pay for their final expenses?

Yes, actually there are several very good plans available from well-known life insurance companies offering final expense insurance coverage for seniors.

Many of these final expense plans are guaranteed issue, which means you cannot be turned down due to health problems.

Basically, if you meet the age requirements you can get final expense life insurance coverage.

Since these life insurance plans are guaranteed approval there's no health exam required and no health questions asked.

Some final life insurance plans offer up to $25,000 of coverage, and you may be able to purchase coverage from two or more carriers. You can own more than one life insurance policy, so it's okay to buy a final expense life insurance plan from two different insurance companies, if you want or need the coverage. Two of the top insurers for final expense insurance are United of Omaha and Met Life, among others.

Here's how to learn more about purchasing a senior final life insurance program

Low cost life insurance for over 55

What is lowest cost life insurance for people over age 55?

There are two basic types of life insurance: Term and Permanent.

Term life insurance is the lowest cost life insurance available for a period of 30 years or less. It is pure life insurance protection and provides temporary coverage for a "term" of 10, 15, 20 or 30 years.

Permanent life insurance costs a lot more than term life because it is guaranteed to last your entire lifetime and it builds up some cash vale inside your policy. You may take a loan from the cash value in your policy.

The lowest priced term life insurance would be a term life policy with the shortest "term" for coverage. So, a 10 year term life policy would cost less than a 15 or 20 year term life insurance plan.

Here's how you can learn more about low cost life insurance for over 55 years of age.

How much does mortgage life insurance cost per month?

Mortgage life insurance is a type of life insurance plan that people purchase to help provide the funds to pay off their outstanding mortgage in case they die.

A mortgage life insurance policy usually lasts for the length of time you have a mortgage. So, if you have a 30 year mortgage loan, you would purchase mortgage life insurance with a term of 30 years of protection.

There are several factors that impact the cost of your mortgage life insurance, including the length of term, and the amount of coverage.

In addition, your own personal risk factors will affect the price you pay for your insurance. These risk factors may include your age, health, lifestyle, tobacco use, driving record, hobbies, occupation, height-to-weight ratio, and family health history, among others.

Keep in mind, it usually costs less if you pay your premiums annually (once per year), instead of choosing monthly premium payments.

Here's how you can learn more about mortgage insurance and compare mortgage life insurance rates online today.

Which life insurance is best term or whole life?

I want to purchase life insurance but I'm not sure what type of life insurance may be best for me.

The best type of life insurance for you may depend on your goals - what do you want your life insurance policy to accomplish for you and your family?

Also, you'll want to consider how much life insurance you need, and what you can afford to pay for your life insurance policy.

The answers to these questions should help you determine how long you need life insurance and what type may be right for you.

Keep in mind, you can own more than one life insurance policy, for instance you could have a term life policy for your short term needs of 30 years or less, and a whole life insurance policy for your lifetime life insurance needs.

Here's how you can learn more about how life insurance works and compare free rate quotes online today.

Best priced life insurance?

What is the best priced life insurance?

The best priced life insurance is the life insurance that offers you the most life insurance protection at the lowest price, and meets your life insurance needs.

There are two basic types of life insurance: Term and Permanent.

Term life is for temporary life insurance needs of 30 years or less. While permanent life insurance is guaranteed to last your entire lifetime.

However, permanent life insurance usually costs 2 to 3 times more than term life insurance.

You could purchase a smaller permanent life insurance plan for your lifetime needs, and a larger term life policy for your shorter term needs.

In order to find the best priced life insurance policies you'll want to compare multiples life insurance rate quotes from several of the most financially secure life insurance carriers. That way, you'll get the best price from the highest rated insurance company.

Why Does Life Insurance Get Denied?

There are many reasons you may get denied for life insurance coverage when you apply for a policy.

For instance, many life insurance companies usually have several types of risk they will not provide life insurance for; such as, people who have high risk jobs or high risk occupations, or people who have cancer or other health problems.

High risk jobs may include people involved in high rise window washing, firemen, blasting contractors, and mountain climbing guides.

High risk hobbies that may be denied life insurance might include sky diving, mountain climbing, bungee jumping, and race car driving, among others.

In addition, certain types of health issues; such as, cancer, emphysema and leukemia may result in being denied life insurance.

But, there are guaranteed acceptance life insurance plans available that accept everyone who meets the age requirements, regardless of your health. Learn more about high risk life insurance

Lowest Cost Life Insurance Policy

What is the lowest cost life insurance policy?

The lowest cost for a life insurance policy will depend on what type of life insurance you need for how long - how many years.

Permanent life insurance provides guaranteed lifetime protection but costs 2 to 3 times more than term life insurance which provides coverage for up to 30 years.

With term life you choose a "term" which is the duration or length of time you have the life insurance protection.

The most common "term" for a term life policy is 10, 15, 20 or 30 years.

If you need life insurance for 30 years or less, then a term life policy will offer the lowest cost over that period of time compared to the premiums you would pay for a permanent life insurance policy.

Here's how you can compare low cost life insurance premiums from top-rated life insurance companies.

Term Life Insurance with Return of Premium

What is term life insurance with return of premium?

It's a type of life insurance policy that provides life insurance protection for a specific period of time, usually from 1 to 30 years.

Most term life policies offer coverage for a term of 10, 15, 20 or 30 years.

The premium of the policy is the price you pay for your life insurance. With level term life insurance you pay the same premium each year for the entire length of the term of your policy.

However, if you want to get your money back if you are alive when the term ends, you'll need a return premium term life insurance plan. The premiums are higher for this type of policy, but it's the only term life insurance plan you can buy that will pay you back your premiums (most of them) if you outlive the term of your policy.

How to get your money back from life insurance?

What happens to your money you pay for life insurance if you outlive the term of your term life insurance policy?

That's a good question.

And it's a good reason to consider how you can buy life insurance and get back your premiums if you do not use your life insurance.

The fact is, with term life insurance, if you do not die during the term of your coverage, your life insurance ends, and there is no death benefit paid out.

However, with return of premium term life insurance you get back almost all of your premiums if you outlive the term of your term life policy. So, you get the life insurance protection, and you get your money back.

However, there's a catch. The premiums charged for return premium life insurance are higher than your standard term life insurance policies, but if you want to take a chance, you'll end up ahead at the end of your coverage term.

Learn more about how to get money back from life insurance

Funeral Insurance Policies

What are funeral insurance policies and how do they work?

Funeral insurance policies are basically life insurance plans that provide the funds needed to help pay for your final expenses when you die, including the cost of your memorial service, burial and funeral expenses.

Many funeral insurance policies offer a limited amount of life insurance coverage, usually up to $25,000.

And, funeral policies offer guaranteed acceptance for people who meet the age requirements which may be age 45 to 75, or age 45 to 85, with most policies.

Also, there are no health exams to take and no health questions to answer. You can get a free funeral insurance quote on the internet and apply completely online without having to meet with an insurance agent.

Some leading life insurance companies offering funeral insurance plans include United of Omaha. Colonial Penn and Metlife, among others.

Click here to compare Funeral Insurance Quotes

Is Term Life Insurance a Good Idea?

Whether or not term life insurance is a good idea depends on your own personal situation and life insurance needs.

What do you want your term life insurance policy to accomplish?

Term life insurance provides temporary protection for up to 30 years. Most term life plans allow you to choose coverage for a period of 10, 15, 20 or 30 years when you purchase your policy.

Since term life costs a lot less than any other type of life insurance you can get a lot more life insurance for your money. However, the longest term available is 30 years.

So, if you need life insurance for 30 years or less, then term life may be a good idea. Remember, if you outlive the "term" of your term life policy, your life insurance coverage expires.

Click here to learn more about term life insurance

Can People with Epilepsy Get Life Insurance?

If you are able to work and live a normal life with your epilepsy, you can usually get a medically underwritten life insurance policy rated Standard or better, which means your premium would not be above the average rates.

If you have had any seizures in the past year or two, or if you have a history of serious or frequent seizures, you may need to get a simplified issue life insurance policy.

Simplified plans offer a limited amount of life insurance and there’s no health exam required. Some simplified life insurance plans offer up to $350,000 of life insurance without any exam required.

In any event, there is usually a life insurance policy available for people living with epilepsy.

Learn more about Life Insurance for Epilepsy

What Is A 30 Year Term Life Insurance Policy?

A 30 year term life insurance policy usually has the following features:

1. A set premium for 30 years.

2. A set death benefit for 30 years.

3. No cash value.

4. Only pays the death benefit if the insured person passes away during the 30 year term of the life insurance policy.

A 30 year term life policy may offer the option of renewing your coverage at the end of the term for an increase in premium.

Here's how you can learn more and compare 30 year term life insurance premiums.

Does Life Insurance Cover Death By Cancer?

Yes, life insurance covers death resulting from cancer.

A person who purchases a life insurance policy must honestly present their health details at the time of applying for the policy, and the life insurance company may order medical records to verify your health history.

After that, the life insurance policy is approved to cover death by all reasons, except suicide in the first two years. There is a one year suicide exclusion in some states.

Sometimes people will opt for a rider added to their life insurance policy that excludes death due to being a pilot. But there is rarely an exclusion in life insurance for cancer.

Unlike Accidental Death Insurance that covers only death resulting from accidental death, regular life Insurance covers death by all accidental and natural causes, including cancer.

Learn more life insurance for people with cancer and cancer survivors

United of Omaha Guaranteed Acceptance Life Insurance

Does United of Omaha offer guaranteed life insurance coverage?

Yes, United of Omaha offers up to $25,000 of guaranteed acceptance whole life insurance coverage.

People age 45 to 85 can buy a guaranteed life insurance plan from United of Omaha. And, you cannot be turned down due to health problems.

This is a risk-free life insurance plan with a 60 day money-back guarantee.

You can get an instant life insurance quote and apply completely online today for your life insurance coverage.

Whether you have high cholesterol, smoke, are overweight, have been turned down for life insurance, or just want guaranteed approval life insurance consider United of Omaha.

Get a free guaranteed acceptance life insurance quote.

Why Do Life Insurance Premiums Increase?

Life insurance premiums increase is some insurance policies and not in others, depending on the type of life insurance contract.

One thing that does increase each year is the mortality cost (the chance of the insured person dying). How the increasing mortality cost is dealt with has a large impact on the premium you pay for your life insurance policy.

For example with a 5 year renewable term life insurance plan you pay a level premium for 5 years and the excess over the yearly cost ii invested to smooth out the premium.

With a permanent level life insurance premium plan the insurance company actuaries do a calculation based on factors including morality cost and expense interest rate. They need an end so age 100 is often used, expecting most people to live at most 100 years. The calculation determines how much is needed to be pay on a level premium base.

So, premiums remain level for the entire duration of a permanent life insurance policy, but premiums increase after a set period of time for a term life insurance policy, which is why level term life insurance costs much less for a short period of time up to 30 years compared to permanent life insurance.

Here's how you can compare term life insurance versus permanent life insurance

How Much Life Insurance Do I Need?

If you're shopping for life insurance, one of the most important questions to consider is how much life insurance to buy.

The correct amount of life insurance you need will depend on what your goal is for your life insurance policy, what you want it to accomplish?

Also, how old you are, what financial responsibilities you have, and what are your future goals - like getting married, starting a family, buying a home, etc.? In addition, how much debt do you currently have and what are your total savings?

All of the above will impact how much life insurance you need, and help you determine how much to get.

The easiest way to really figure out your life insurance needs is to use a life insurance needs calculator.

You just answer some basic questions about your financial situation and the calculator gives you an instant, accurate estimate of how much life insurance to buy based on your own personal situation.

Life Insurance for People with Disabilities?

Is it possible to get life insurance for someone with a disability?

Yes, you can buy life insurance for people with disabilities.

Whether the person has a physical or mental disability, there are high risk life insurance plans available, including guaranteed issue life insurance and other policies that may insure people with disabilities.

However, these plans may offer a limited amount of life insurance and there may be some age restrictions as to how old someone must be to qualify for the life insurance coverage.

Learn how to get life insurance for people with disabilities

Life Insurance for Ill People?

Is it possible to buy life insurance for someone who is sick, has a disease or is suffering from a medical condition or illness?

Yes, there are life insurance plans available for people with an illness.

Guaranteed issue life insurance policies offer up to $25,0000 of guaranteed approval life insurance for people age 45 to 85.

However, these plans have limited benefits the first two years you are insured. And, the premiums may be higher than you would like, but if you have no other options this is a plan that may help you.

There is no physical examination required, and there are no health questions asked. If you meet the age requirements of 45 to 85, you cannot be turned down due to your health.

Learn more about how to get life insurance for ill people and request a free quote today.

Does Burial Insurance Require a Medical Exam?

Do I have to take a medical examination to purchase a burial insurance policy?

No. Most burial insurance policies do not require a medical exam.

In fact, there are no physical exams required and no health questions asked.

Usually, a burial insurance plan offers guaranteed acceptance for anyone who meets the age requirements.

For instance, United of Omaha offers guaranteed approval for up to $25,000 of whole life insurance coverage without any exams or health questions asked. And, if you are age 45 to 85 you cannot be turned down.

However, it depends on what states the insurance company is licensed to offer the plans.

Some plans offer guaranteed coverage for $3,000 up to $25,000 of burial insurance. These plans are whole life lifetime protection and may build up cash value inside the policy.

Here's how you can learn more about buying burial insurance with no medical exam required.

Life Insurance without Medical Questions?

Is there any life insurance available without having to answer questions about my health?

Yes, there are life insurance plans without health questions asked.

Basically, there's two types of no health questions life insurance - Accidental Death and Guaranteed Issue.

Accidental death life insurance offers up to $1,000,000 of coverage if you die as a result of an accident. There's no health exam and no health questions asked.

Guaranteed issue life insurance offers a limited amount of life insurance (up to $25,000), and you are guaranteed acceptance if you are between age 45 to 85 (depending on the insurance company). However, your life insurance death benefits are limited the first two years you are insured.

Learn more about how to get life insurance without medical questions asked.

How much Funeral Insurance can you Buy?

I need a funeral insurance plan and was wondering how much coverage is available for someone?

Actually, many funeral policies offer from $3,000 up to $25,000 of life insurance coverage.

However, you may be able to buy a policy from more than one insurance carrier. Some of the leading insurers offering funeral insurance include United of Omaha, Met Life and Colonial Penn, among others.

In addition, funeral plans are simplified issue with guaranteed approval, meaning there's no health exam required and no health questions asked.

You can even get an instant quote and apply online for your policy today. Some funeral insurance companies offer same day coverage.

Here's how you can review and compare two of the top funeral insurance policies available.