Life Insurance for Ill Parent

Can I buy life insurance for my ill parent?

Yes, an adult child may purchase life insurance on his/her parent, because the adult child has an insurable interest in his/her parent.

If your parent is ill, there are Guaranteed Issue life insurance plans available for people between the ages of 45 to 85 years old. Get a free quote.

Guaranteed Issue means your parent cannot be turned down for coverage due to his or her health.

As long as your parent meets the age requirement, you may purchase life insurance on an ill parent.

And, with guaranteed issue policies, there is no health exam required, and your parent won't have to answer any health questions.

Learn more about buying life insurance for an ill parent.

Shopping for Term Life Insurance

How can I shop for term life insurance?

Actually, it's easy to shop and compare term life plans and pricing online from among several of the leading life insurance carriers by visiting a life insurance website and requesting your free quotes.

It's simple, you just fill out a quote request form on a life insurance website and instantly see the lowest prices available from leading life insurers.

Then, you can review the coverage options and apply for a policy.

There are even no exam term life policies available which you can apply for online in minutes. 

If you qualify, you may start your life insurance coverage today.

Here's how to shop for affordable term life insurance coverage online.

Term Life with Living Benefit?

What are Living Benefits for Term Insurance?

Living benefits of a life insurance policy are benefits provided to and obtained by those insured, while still alive. 

It means you can access the benefits of your insurance plan before you die, instead of waiting for a payout on the policy after the insured person dies.

Living death benefits are an early payout of anticipated death benefits from a rider attached to an existing life insurance policy, or from a separate policy.

Learn more about term life insurance with living benefits.

Term Insurance for Family

Is there term life insurance you can buy for your family?

Yes. You can buy term life insurance policies and you and your spouse. 

In addition, you can add your children to your own term life insurance coverage using a Child Rider endorsement that provides a minimal amount of coverage for each child.

Learn more about buying term insurance for your family.

No Health Questions or Exam

Can you buy a life insurance policy with no health questions or exams required?

Yes. It's called "Guaranteed Issue" life insurance and it offers a limited amount of life insurance protection for people ages 45 to 85 years old. Get a free quote.

However, the age requirement for guaranteed approval for a policy may vary by insurance company.

And, the maximum amount of life insurance available will vary by insurer.

These plans are available even if you have been turned down by other insurers, or have serious health issues.

Learn more about getting life insurance with no health questions or exam required.

Term Life Insurance without an Agent

Can I buy a term life insurance policy online if I don't have an insurance agent?

Yes. In fact, some insurers allow you to buy direct life insurance over the internet, which you can apply for in about 15-20 minutes.

And, if you qualify for coverage, you my start your life insurance policy the same day.

These are called instant issue no exam term life insurance policies that offer healthy individuals a way to buy quick and easy life insurance protection online. Request a free quote.

One highly-rated insurance provider offers up to $2,000,000 of same-day term life insurance coverage.

Learn more about buying term life insurance without an agent.

Term Life with ROP

Can I buy term life insurance with return of premium?

Yes, you can purchase a term life policy that returns your premium if you outlive the policy term.

However, these plans charge a premium that is 2-3 times more than regular term life policies.

It may be an option to consider purchasing regular term life and investing the difference you would save by not paying the higher premiums for a return of premium term life insurance policy.

Learn more about term life with ROP.

Term Life with Accidental Death

Does term life insurance come with accidental death coverage?

Yes, it does include coverage for death resulting from an accident.

Term life covered death resulting from natural causes, illness and accidental death.

In addition, there is double indemnity coverage available which pays out twice the death benefit if the insured person dies from an accident.

Learn more about term life with accidental death insurance coverage.