What is Term Life Insurance Quotes?

What are term life quotes and how do they work?

A "Quote" for term insurance is the estimated cost of a term life insurance policy base don the information you provide when requesting your quote.

To get a term life quote you can visit a life insurance website and answer some basic questions to instantly receive the lowest prices on your life insurance form several highly-rated insurance companies.

The quote is only an estimate of your life insurance cost, not a guaranteed rate.

Make sure you answer all questions truthfully to get an accurate quote for your term insurance coverage.

Quotes are free and you can compare pricing for different amounts of coverage and different "term" lengths from 10, 15, 20 or 30 years of coverage.

Learn more about what is term life insurance quotes and how they work.

Life Insurance for People with Breast Cancer?

Is there life insurance available for someone who has breast cancer or is a breast cancer survivor?

Yes, some insurance carriers offer life insurance to people living with breast cancer.

However, it's easier and more affordable for breast cancer survivors to get life insurance.

If you currently have breast cancer, your approval and cost for life insurance will depend on the type of cancer, your age, overall health, treatment and prognosis, among other things.

Some insurers are more experienced with insuring people with breast cancer, since this is a common health issue in society today.

Here's how to learn more about life insurance for breast cancer and compare pricing online.

Why Buy Supplemental Life Insurance?

Supplemental life insurance is usually an option of life insurance coverage available through your employer provided benefit program.

Usually, you employer would provide a basic amount of life insurance (up to 1-2 times your annual salary) at no cost to the employee.

However, this amount of life insurance protection may jot be enough to adequately protect your family.

In that case, you may want to add supplemental life insurance to your employer provided plan, which would mean you would pay the added cost for the supplemental coverage.

Or, you could purchase an individual life insurance policy outside of work, which you keep should you ever leave your current employer.

Learn more about "Why to buy supplemental life insurance?"

Where Can I Buy Cheap Life Insurance?

If you're looking to get affordable life insurance to fit your budget you may want to consider a few tips for saving money on life insurance.

First, use an online life insurance broker with access to a large network of leading insurers to help you comparison shop for the best rate in just minutes.

Make sure you compare term life versus permanent life insurance and you'll find that term life insurance costs a lot less if you need life insurance protection for a period of 30 years or less.

Also, use a life insurance needs calculator to help you determine just how much life insurance you need, so you are properly covered but you aren't paying for more life insurance than necessary given your situation.

To learn more, read this article that explains Where Can I Buy Cheap Life Insurance?

How is Life Insurance So Cheap?

How is it possible that life insurance is available at such low prices?

Well, the answer is simple - there are two different basic types of life insurance: Term and Permanent.

Term is temporary and costs a lot less than permanent life insurance.

That's why so many people over-estimate the cost of life insurance by up to 2 to 3 times more than it actually costs.

Term insurance offers coverage for up to 30 years, but you may choose form 10, 15, 20 or 30 years of protection.

The shorter your duration of life insurance protection, the lower your annual cost of coverage.

Once you understand how the different types of life insurance work, it's easy to see how you can get really affordable life insurance protection.

Learn more about How is Life Insurance So Cheap?

Can Smokers Get Life Insurance?

Yes, people who smoke may qualify for life insurance coverage.

Whether you smoke cigarettes, cigars, pipes, e-cigs, chew tobacco, or smoke marijuana, you may be able to qualify for affordable life insurance plans.

Although there are some insurers that offer more lenient rates on smoker's life insurance, your cost of coverage will generally depend on what you smoke, how often you smoke and how much you smoke.

In addition, your health will impact your rate for coverage, as smokers may have shorter life expectancies since they are susceptible to emphysema, COPD and lung cancer.

Due to the above mentioned risks, regular smokers will likely pay up to 2-3 times more than non-smokers for the same amount and type of life insurance.

Learn more about Can smokers get life insurance protection?

Will Life Insurance Cover Accidental Death?

Yes, standard life insurance policies usually cover accidental death.

Unless there is a specific exclusion stated in your policy, death resulting from an accident should be covered.

Normally, life insurance provides coverage for death by natural causes and accidents.

However, if you regularly take part in high risk activities, or you have a high risk job, the insurance company may apply an exclusion to your policy for death resulting from these activities - so review your coverage closely and understand all exclusions to your policy.

Keep in mind, life insurance does not cover intentional acts such as suicide. Normally, there is a two year suicide exclusion (one year in some states).

Learn more about "Does life insurance cover accidental death?"

What is Life Insurance and How Much Should I Get?

If you're starting your search for life insurance you may be wondering how it works and how much coverage you need.

These are two important questions to ask before shopping for your plan.

First, life insurance is a contract between the insurance company and the owner of a life insurance policy.

The policy owner pays the insurer premiums in return for the insurer promising to pay out a death benefit upon the passing of the person insured by the life insurance policy - subject to the terms and exclusions listed in the life insurance policy contract.

Determining the right amount of life insurance to purchase will depend on your personal situation, goals, budget, assets, debt, savings and your financial responsibilities including who relies on you for financial support and how much support you provide.

It's usually a good idea to use a life insurance needs calculator to assist you in figuring out how much life insurance to get.

Here's how you can learn more about What is life insurance and how much should I get?

Does Life Insurance Pay for Funerals?

Does a life insurance policy pay for the cost of a funeral?

Actually, it can be used to pay for funeral expenses, but the beneficiary of a life insurance policy can choose to use the money any way they wish.

So, you may instruct your beneficiary to use a portion of the proceeds from your life insurance policy to pay for the cost of your final expenses including your funeral and burial.

Many people use a life insurance policy death benefit to pay for the funeral of the insured person.

There are even guaranteed issue funeral insurance plans available for seniors and those with health issues who may be unable to get insured for life insurance.

Learn more about Does life insurance pay for funerals?