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.