Comparing Burial Life Insurance Rates

How much are rates on burial life insurance?

The rate you are charged for burial life insurance is based on several key factors, including the amount of life insurance coverage, your age and gender, and your health.

However, some burial life insurance plans offer guaranteed acceptance with no exam and no health questions. But these plans usually have graded death benefits the first two years you are insured, so you won't have full coverage for two years.

Some insurers offer guaranteed acceptance for people ages 45 to 75, while other insurers may offer guaranteed approval for people ages 50 to 80.

You can compare burial life insurance rates online and find out which insurer offers the lowest prices for coverage. But keep in mind, you should find out when you have full coverage, how long your life insurance is guaranteed to last, if your premiums will ever increase or your coverage will ever decrease, and what the financial strength rating is for the insurance company.

Life Insurance for Age 80

Is it possible for someone age 80 to get life insurance coverage?

Yes, it is possible to get life insurance if you are 80 years old.

Although you could compare multiple life insurance quotes online from a network of insurers, you may find that your only option available is guaranteed issue life insurance, depending on your health.

Some insurance companies offer up to $20,000 of life insurance for people age 80 and under, with no health exam required, and no health questions asked.

However, these guaranteed issue plans do have a graded death benefit the first two years you are insured. This means, you won't have full coverage until after two years.

But, you cannot be turned down for life insurance with a guaranteed issue policy if you meet the age requirements. Some plans offer guaranteed approval for people ages 50 to 80.

Here's how you can get guaranteed acceptance life insurance for age 50 to 80.

Discounts for Term Life Insurance?

How can I get discounts on my term life insurance policy?

Yes, there are several ways you may be able to save some money on your term life insurance coverage.

When it comes to pricing term life insurance insurers consider several risk factors that impact your rate. These factors help the insurer determine your life expectancy.

Among the key risk factors are your health, lifestyle, occupation, hobbies, tobacco use, driving record, etc.

People with an average risk for life insurance are the "standard rate", and those with better than average risk based on their risk factors get a better (lower) rate compared the average person.

Discounts may be offered for excellent health, a good driving record, having multiple policies for insurance with the same insurance company, and having low cholesterol levels, among other things.

Learn more about discounts for term life insurance policies.

Guaranteed Life Insurance for Seniors?

Is there a way for senior citizens to get guaranteed life insurance, even if they have been turned down for a policy from another insurer in the past?

Yes, there is a company that offers guaranteed approval for seniors age 50 to 80, and you cannot be turned down for a policy.

However, guaranteed issue life insurance has a graded death benefit the first 2 years you are insured. This means you won't have full coverage until after two years. The first two years you have limited death benefits.

In addition, the amount of life insurance available with guaranteed plans may be limited to $20,000 or less.

But, with guaranteed plans there are no health exams and no health questions asked. You can get an instant quote for coverage and apply online for your policy. And, your acceptance is guaranteed.

Here's how to get guaranteed life insurance for seniors.

Why do People Use Life Insurance?

Why is it people choose to buy a life insurance policy?

There are many different reasons someone may choose to use life insurance. Among the more common reasons are to provide money to pay for their final expenses, replace their income, or leave money to pay off the home mortgage or pay for their child's college education.

Life insurance can help provide you with peace of mind knowing your loved ones will be taken care of should you die.

The money left to your beneficiaries from a life insurance policy can guarantee your family has financial security for their future. The proceeds from a life insurance policy can be used by your beneficiaries for any purpose.

Life insurance can be an affordable way to make sure you provide your family with the money they need to maintain their lifestyle and stay in the home they shared worth you.

Learn more about why people use life insurance

Buy Mortgage Insurance Online

Is it possible for me to purchase a mortgage insurance policy on the internet?

Yes, actually you may be able to buy mortgage insurance protraction online and start your coverage right away, if you qualify.

You have the option of comparing multiple rate quotes for mortgage insurance from several top carrier to find the lowest pricing available.

Or, if you want to get a mortgage life insurance policy today without taking any health exams, you may apply online for a no exam mortgage life insurance policy. That way, you won;t have to take a health examination or wait weeks to find out if you are approved for life insurance coverage for your home mortgage.

Here's how to buy insurance mortgage protection online.

Accidental Death Insurance Quotes

What is accidental death insurance and how do I get quotes?

An accidental death insurance policy is a form of life insurance coverage that pays out a death benefit to your beneficiary upon your death resulting from a covered accident.

Since it is accidental death insurance, it covered only accidental death, not death resulting from natural causes; such as, a stroke, old age or heart attack.

Since it only covered accidents, rates are usually much lower for accidental death coverage compared to regular life insurance that covers all forms of death.

Accidental death policies are usually easy to get. There's no health exam required and there are no health questions asked.

You can get accidental death insurance quotes online instantly, and purchase up to $1,000,000 of coverage.

However, there may be some limitations for acceptance based on your age.

Comparing Life Insurance Rates

I want to compare rates on life insurance plans - what affects the rate I am charged for my life insurance?

Your rate for life insurance is the amount you are charged per $1,000 of life insurance coverage. There are standard rates for the average person as far as health goes, then there are sub-standard rates for those not as healthy as the average person, and preferred rates for those who are healthy than average.

In addition, the type and amount of life insurance will affect your life insurance rate.

Also, your personal risk factors will impact how much you pay for life insurance, including your age, health, lifestyle, tobacco use, occupation, hobbies, family health history, driving record, etc.

Your risk factors are considered to help the insurer determine your life expectancy - how long they expect you to live. The longer your life expectancy, the lower your rate for life insurance.

To find out which insurers may offer you the best prices you can compare life insurance rates online among top carriers in less than 3 minutes.

How to get life insurance after being denied?

I have been denied life insurance from other insurance companies, can I still get covered?

Yes, even though you have been turned down for coverage, you may still be able to qualify for life insurance.

There are some life insurance brokers that specialize in placing life insurance for high risk people who are high risk due to their age, health, lifestyle, occupation, hobbies, or driving record.

Also, there are guaranteed issue plans that offer guaranteed approval on life insurance for people meeting the specific age requirements for acceptance. Most of these plans provide coverage for people age 45 to 75 or age 50 to 80, depending on the carrier.

With guaranteed issue life insurance you pay much higher than standard rates for your policy and the amount of coverage may be limited to $20,000 or less. In addition, there are graded benefits the first 2 years you are insured, which means you won't have full coverage immediately. However, once you have been insured by the policy for 2 years, if you pass away after that time, your beneficiary would receive the full death benefit.

With guaranteed issue coverage there are no health exams required and no health questions asked. You can get an instant quote for life insurance and apply online for your policy.

Learn more about guaranteed issue life insurance today.

How to Get Life Insurance with Health Problems

Can I buy a life insurance policy if I have a health problem?

Yes, even if you have been declined or have pre existing health problems, you may be able to purchase life insurance coverage.

You have the option of comparing life insurance rates online from quote providers, contacting a licensed local life insurance agent that specializes in high risk life insurance, or applying for a guarantee issue life insurance policy.

Guaranteed issue life insurance offers life insurance for anyone who meets the age requirements and can pay the premium. Most guaranteed issue life insurance plans offer guaranteed coverage for people age 45 to 75.

And, with guaranteed life insurance there are no exams and no health questions for you to answer. However, the amount of life insurance available may be limited to $20,000 or less, and the premium is higher than other plasm because they accept everyone. Here's how you can learn more about guaranteed issue life insurance for people with health problems.