How to Buy Life Insurance without an Agent?

Is it possible to buy life insurance if I don't have a life insurance agent?

Yes, there are life insurance companies that offer life insurance policies you can apply for and purchase online without an agent.

And, if you qualify for coverage, you can start your life insurance coverage immediately.

Some life insurance carriers offer no exam, instant-issue life insurance policies for people who do not have a life insurance agent.

Here's how to buy life insurance without an agent.

How is a Life Insurance Policy Priced?

How Does an Insurance Company Determine Your Premiums? 

When it comes to buying life insurance, the premium you will be charged for your policy is one of the most important factors in deciding which insurance company and plan you will select.

So, how are premiums determined?

The life insurance company uses information you provide to assess the risk you present to the insurer of dying while you will be insured.

Learn more about how life insurance is priced?

Senior Life Insurance without taking a Medical Exam

Can seniors get life insurance without having to take any health exams?

Yes, it's possible for elderly people to get life insurance without taking any health exams.
There's even no health question - "guaranteed acceptance" life insurance plans available for seniors age 45 to 85.

So, even if you have a health condition, you're over age 75, or you've been turned down for coverage, you can still get insured for life insurance without taking a medical exam.

Here's how to get senior life insurance without medical exams required.

What is Payback Life Insurance?

If you need term life insurance for a temporary period of time, you may be wondering what happens if you outlive the duration of your coverage.

Can you get your premiums back?

Actually, there are term life policies with payback of premiums if you outlive the term (duration) of your policy.

However, these plans charge you a higher annual premium than regular term insurance policies which do not return your premiums.

With payback term insurance you pay more upfront, betting that you will be alive when your policy expires, so you get back almost all of the premiums you paid over the life of your insurance policy

Learn more about term life insurance with payback of premiums.

How to Get Life Insurance without Waiting

Are you looking to buy a life insurance policy without any delays or waiting?

If so, there are "quick issue" life insurance policies offering coverage you can start today.

These quick issue policies don't require any health exam.

Usually, the applicant must be healthy and under the age of 60 to qualify for coverage.

Some life insurance carriers offer up to $500,000 or more of "quick issue" coverage to qualified applicants.

And, there's a money back guarantee so there's no risk to you. Here's how to get life insurance without waiting.

Buy Final Expense Insurance

Can I buy a final expense life insurance policy?

Yes, there are life insurance policies available that offer coverage to pay for your final expenses, including the cost of your funeral and burial.

There's even guaranteed approval final expense insurance plans for people age 45 up to 85, which means you cannot be turned down due to any health issues.

You may be able to buy up to $25,000 of final expense overage with no doctor exam and no health questions asked.

Here's how to buy final expense insurance coverage.

What is Term Insurance and How Does It Work?

Term insurance is temporary life insurance that provides protection for a specific number of years.

With term insurance you select the "term" (duration) of your policy and you pay a premium each year for the amount of life insurance coverage you purchase.

If the insured person dies during the policy term, the death benefit is paid out to the beneficiary from the insurance company.

If the insured person is still alive when the policy term expires, there is no payout and the insurance company keeps the premiums paid.

Term insurance is the lowest priced type of life insurance because it is temporary and does not build any cash value inside the policy.

Here's how to learn more about What is term insurance and how does it work.