Buying a Life Insurance Policy Online

Can you purchase life insurance coverage over the internet?

Yes, life insurers now offer online coverage.

How much can I buy over the internet?

It depends on the insurer but you may be able to purchase up to $1,000,000 or more.

How long does it take to get insured?

Some insurers offer same day coverage which means you apply online and find out right away if you qualify. Once approved, you may begin your policy.

Do I have to take a physical examination?

It depends on your age, health and the insurance carrier requirements for acceptance. But some insurers offer no exam life insurance policies.

Learn about buying a life insurance policy online today.

No Physical Term Life Insurance

Can you get a term life policy without taking any physical exams?

Yes, in fact, several insurers now offer quick issue term life policies online with no exam needed.

How much life insurance can you buy without a physical?

Some insurers offer up to $250,000 of life insurance with no exam, while one offers up to $1,000,000.

Can I buy no physical term insurance from more than one insurer?

Yes, if you qualify for coverage.

How long does it take to get insured without a physical?

You may apply online with some carriers which takes about 15 to 20 minutes. One insurer even gives approval in as little as 1 minute after you complete the online application

Here's how to get no physical term life insurance coverage online.

Apply Online for Life Insurance

Is it possible to apply online and purchase life insurance coverage direct from the insurance company?

Yes, there are several life insurers that offer consumers the option to apply online and purchase a policy today.

Usually, these plans are available for people who are healthy and under age 65.

The process is safe and secure, and it may only take you about 15 minutes to complete the online application process.

Once you have completed the application online you may find out within minutes if you qualify for coverage.

Once approved, you select a payment option, pay your first month's premium and start your life insurance plan.

Remember, these policies may come with a 30 day money-back guarantee in case you are not satisfied with your life insurance policy.

Here's how to apply online for life insurance coverage today.

Best Life Insurance Company Ratings?

What are company ratings for life insurers?

Life insurance ratings are referred to as "financial strength ratings" which are an indication of the insurer's ability to pay their claims and meet their financial obligations.

There are several independent rating agencies that review the financial statements of insurers and issue financial ratings.

Some of the leading rating agencies are A.M. Best Company, Moody's and Standard & Poor's, among others.

The higher an insurer's rating, the more secure the insurance carrier. The highest rating offered by AM Best is "A++" Superior.

Learn more about the best life insurance companies ratings.

What is the Cheapest Life Insurance?

If you're looking for the lowest priced life insurance policy you'll want to consider term insurance.

Term insurance is temporary life insurance lasting for a duration of 30 years or less.

The "term" is the period of time you have the life insurance protection.

You may be able to select a "term" of 10, 15, 20, 25 or 30 years.

The shorter the term (duration) of your policy, the lower your cost per $1,000 of life insurance protection.

So, the annual premium for a 5 year term life policy would be cheaper than the annual cost of a 10 or 15 year term policy.

Here's how to learn more about finding life insurance cheapest coverage.

Life Insurance Made Easy

What is the easiest way to get an affordable life insurance policy?

The easiest approach to purchasing life insurance is to shop, apply and buy your policy over the internet.

Today, a consumer like you may qualify to purchase up to $1,000,000 of affordable life insurance protection within the hour.

That's right. In fact, one A++ rated life insurer offers you a way to apply for your policy online in about 15 minutes. And, find out in as little as 10 seconds (after applying) if you qualify for coverage.

So, you may actually be able to start your life insurance coverage in less than one hour.

There's no need to meet with an agent, no long mailing delays, no hassles with medical exams.

Learn more about the easy method to buy life insurance.

Term Life Insurance for Family

Can I get affordable term life insurance for my family?

Yes, in fact, term life insurance is the most popular type of life insurance to get in order to provide affordable protection for your family.

Many families have term life insurance for a duration of 15, 20 or 30 years to provide financial security for the spouses and children until your kids are grown up and on their own, and the mortgage is paid off.

With term life insurance you can purchase individual policies for the parents and add the children on to your policy by addition of a "rider".

Or, you may purchase life insurance eon the main breadwinner of the family and add the spouse and children to your policy by addition of a "rider" which adds coverage for additional members of the family.

Term life insurance is flexible, easy-to-understand and offers the most life insurance for your money.

Learn more about family term life insurance policies.

What is a Funeral Insurance Policy?

A “Funeral Insurance Policy” usually refers to a whole life insurance policy with a death benefit of from $2,500 to $25,000.

As the name implies, people buy this type of insurance policy to provide money for funeral and burial costs for themselves and/or their family members.

The average cost of a funeral including burial and final expenses may exceed $7,000.

What's Good about a Term Life Insurance Plan?

Where are several good reasons to buy a term life insurance policy.

Term life insurance is affordable, flexible and easy to understand.

With term life you get the most life insurance for your money - it costs 2-3 times less than a permanent life insurance policy.

Term life is flexible meaning you choose how long you have life insurance, so you barren;t paying a higher rate (permanent insurance) for coverage you may not need in the future.

And, term life is easy - you pay premiums each month (or year) for the length of time you have term insurance, and your beneficiary receives a death benefit if you die during the term of your policy.

If you are alive when your term insurance policy ends, there is no payout, your coverage expires.

Here's how to learn more about term life insurance coverage.