How to Get Life Insurance that Starts Immediately

Is it possible to buy life insurance protection that starts my coverage right away?

Yes, several life insurance companies now offer "Same Day" life insurance coverage, which means you can start your coverage the day you apply for a policy, if you qualify.

Some life insurance carriers offer up to $500,000 of instant coverage; however, one insurance carrier offers up to $3 million of life insurance you can start today, if you're healthy and qualify.

The online application process for a life insurance policy usually takes about 15 minutes, and you may receive an answer as to whether you are approved in as little as 15 minutes after finishing your online application.

Here's how to buy life insurance coverage that starts immediately.

No Questions Asked Burial Insurance

Do you need burial insurance without any medical questions?

Today, it’s quicker and easier than ever before to get the life insurance protection you need to cover the cost of your burial, funeral and related final expenses.

And, you can get insured without answering any questions about your health.

Many people ages 45 to 85 choose guaranteed issue life insurance to help cover their final expenses including a burial.

It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your funeral and burial costs upon your passing.

Here's how to get no medical questions asked burial insurance coverage.

Life Insurance Refused on Medical Grounds

Have you have been turned down for life insurance because of medical reasons?

Don't worry, there is another way for you to get insured.

Today there are life insurance plans offering "Guaranteed Approval" - which means you can't be denied coverage due to any health issues.

As long as you meet the age requirements, you can get insured for guaranteed life insurance coverage.

Guaranteed issue plans offer a limited amount of protection, usually up to $25,000 or less.

But, some coverage is better than no coverage. 

And, if you need more life insurance protection, you can purchase guaranteed coverage from more than one life insurance carrier.

Here's how to get life insurance if you have been refused coverage on medical grounds.

Pre Existing Condition Insurance?

Can someone with a pre-existing health problem get insured for life insurance?

Yes, there are several life insurance companies that specialize in insuring high risk people.

There are also life insurance plans offering guaranteed approval for seniors age 45 to 85.

If you meet the age requirements, you can get insured for life insurance, even if you have been denied coverage through other insurance companies.

Here's how to get pre-existing condition life insurance coverage.

Cheapest Life Insurance without a Physical Exam?

What is the cheapest type of life insurance policy without having to take a physical?

The lowest priced no exam life insurance policy is term insurance.

Term life is temporary coverage for a period of 30 years, or less.

It costs less than permanent life insurance coverage, which provides lifetime protection.

With term life, the shorter your term (duration) for coverage, the lower your annual cost of insurance.

You may be able to choose a term of coverage lasting for a period of 10, 15, 20 or 30 years with no exam required.

There are several insurers offering no exam term life insurance, but some of the more competitive carriers for pricing are Haven Life and Sagicor Life.

Here's how to find the cheapest life insurance without any physical exam needed.

Life Insurance to Replace a Spouse's Income?

Can you purchase life insurance to replace a spouse's income?

Yes, if you're married you can buy life insurance on your spouse, (with his or her knowledge), because you have an insurable interest in your spouse.

Buying life insurance to replace your spouse's income is one of the most popular reasons people buy life insurance.

You are choosing to provide financial security for your family should your spouse pass away, by insuring his (her) income with life insurance.

That way, your family can maintain their standard of living and have funds available to help pay their living expenses should your spouse die.

Learn more about purchasing life insurance to replace spouse's income.

Buy Life Insurance for Burial Costs

Can I buy a life insurance plan to cover my burial and funeral expenses?

Yes, there are smaller life insurance policies that provide enough money to cover the cost of your final expenses, including your funeral and burial expenses among.

These life insurance plans are also known as funeral insurance, burial insurance, or final expense insurance.

Many of these burial insurance plans offer guaranteed approval, which means you cannot be turned down for coverage if you meet the age requirements.

Some carriers offer guaranteed life insurance for people ages 45-75, 40-80, or 45-85.

In addition, some of these plans offer up to $25,000 of life insurance protection.

Here's how to buy life insurance to cover burial expenses.

Life Insurance - Apply and Approval Online?

Can I apply for life insurance policy and get approval online?

Yes, there are life insurers that offer consumers the option to apply online and find out within minutes if you qualify to purchase a life insurance policy.

For example, Haven Life offers an application process for life insurance that is completely online, with quick approval for qualified applicants.

You request a free life insurance price quote, apply online, and find out within minutes (usually) if you qualify for a policy.

Upon approval, select a premium payment option and make your first month's premium payment, and you are insured.

Learn more about how to apply and get approval online for life insurance.

Life Insurance for Seniors Age 50 to 85

Can people ages 50 to 85 years old get covered for life insurance?

Is there life insurance for people ages 50 to 85?

Yes, there are term life policies which offer temporary coverage for a specific number of years, and there are permanent life insurance policies that provide guaranteed lifetime protection.

In addition, there are guaranteed acceptance life insurance plans which may be a good option for seniors age 50 to 85, or with a health problem, or someone who has been turned down for life insurance from other insurance companies.

Learn more about buying life insurance for seniors age 50 to 85.

How to Get Life Insurance If You Fail the Medical Exam?

I wanted to purchase a life insurance policy, but after I took the medical exam I found out I was turned down for coverage.

What can I do to get insured?

There are life insurance plans that offer Guaranteed Approval.

With guaranteed life insurance, as long as you meet the age requirement, you cannot be turned down due to any health problems.

However, guaranteed life insurance comes with limited death benefits (graded benefits) the first two years you are insured - that's how they can guarantee your approval for coverage.

Some guaranteed policies offer as much as $25,000 of life insurance, and you may buy a policy from more than one insurance company.

Learn more about How to get life insurance if you fail the medical exam.