Life Insurance with No Medical Exam or Questions

Can I get a life insurance policy without taking a health exam or answering any health questions?

Yes, there are life insurance plans available with hop exam or health questions asked. However, there may be some age requirements in order to qualify for coverage.

For example, there are accidental death life insurance plans available with no exam and no health questions. You can buy up to $1,000,000 of coverage online if you meet the age requirements.

In addition, there are guaranteed issue life insurance plans with no exam and no health questions for people age 45 to 75. You cannot be turned down for health reasons if you meet the age requirement.

And, if you don't mind answering a few health questions, you may qualify to buy up to $350,000 of life insurance online with no exam. If you are accepted, you may start your life insurance policy today.

Here's how you can learn more about life insurance with no medical exam or questions

No Exam Life Insurance Companies?

Which companies offer no exam life insurance?

Topday there are several insurance companies offering no exam life insurance plans thou can apply for online.

However, there are different types of no exam life insurance.

For instance, seniors have available guaranteed issue no exam life insurance with no health exam and no health questions asked. However, the rates are high and you won;t have full coverage until you are insured for at least 2 years.

There are also simplified issue life insurance plans for people ages 20 to 65 that offer up to $350,000 or more of life insurance without any health exam required, but there are some health questions asked.

However, if you qualify, you may be able to start your life insurance policy today, instead of waiting 3-4 weeks, or longer, with life insurance plans that do require you to take a physical exam.

One highly recommended no exam life insurance company is National Life Group because they offer immediate life insurance coverage with approval usually within 10 minutes, and, their rates are competitive with life insurance plans that do require a health exam. Here's how you can request a no exam life insurance quote today.

$500,000 Life Insurance Policy?

Can I Buy a $500,000 life insurance policy online?

Yes, there is a life insurance carrier that offers up to $500,000 of life insurance you may purchase online if you qualify.

In fact, there's no health exam required, you just answer some health questions when you request your free online life insurance quote.

You can complete the entire application process safely and securely online. Most approvals are within 24 hours.

If approved, you may start your life insurance protection within 1 or 2 days, instead of waiting 3-4 weeks or more.

And, there's no need to meet with an agent or sit through a physical examination.

Here's how to buy up to a $500,000 life insurance policy online without any delays or health exams.

Can I Buy Life Insurance Online Accident Only?

Is it possible to buy an accident only life insurance policy direct online?

Yes, you can buy accident online life insurance coverage online.

In fact, if you meet the age requirements for acceptance, you may buy up to $1,000,000 of accidental death life insurance coverage online. And, there's no medical exam and no health questions asked.

To get started you can request a free quote online to find out how affordable an accidental death policy can be, then just apply direct online for your coverage.

Here's how to buy life insurance online accident only

What is mortgage life insurance for?

Mortgage life insurance is life insurance to pay off the outstanding balance on your home mortgage loan upon your death.

Many people choose to buy a mortgage life insurance policy so that their their family will be able to go on living on the home they shared with the insured person while still alive. It's a way to provide yourself with peace of mind, and your family with financial security in case you pass away.

Let's face it, would;t you rather your family kept living in the home they shared so many memories with you if thou were no longer there, instead of them having to move and maybe not having the money to keep paying the bills without your income?

You can choose a mortgage life insurance plan with a term of 10, 15, 20, 25 or 30 years to match the length of your home mortgage loan so you know your family will have the money needed to keep their home.

Top 10 Life Insurance Companies

What are the top 10 life insurance companies?

There are many ways to compare and rate life insurance companies including by size - total assets, total number of life insurance policyholders, financial strength rating, quality of customer service, total number of complaints, and customer approval rating, as well as, pricing and products.

Each year, the Insurance Information Institute releases a list of the life insurance companies that issued the most individual life insurance policies for the previous year. This list includes some of the most well-respected leaders in the life insurance industry, including Northwestern Mutual, Metlife and New York Life, among others.

Here's how you can compare a list of the Top 10 life insurance companies in America and their AM Best financial strength ratings, as well as, request free life insurance rate comparisons today.

Why Would I Be Declined for Life Insurance?

Have you been turned down for life insurance coverage?

If so, you may be wondering why you were declined when you tried to qualify for a life insurance policy.

There are many reasons someone may be denied life insurance protection.

Some of the most common reasons for being turned down for life insurance include:

1. Too Old - Over age 85

2. Poor Health - High Blood Pressure, High Cholesterol

3. Bad Driving Record - 2 or more DUI's

4. Chronic Health Problems - Diabetes, Emphysema, Heart Disease

5. Terminal - Cirrhosis, Cancer

6. High Risk Occupation - Firefighter, Blasting Contractor

7. High Risk Hobbies - Base Jumping, Sky Diving, Mountain Climbing

However, there are guaranteed acceptance life insurance plans that offer guaranteed approval for anyone who meets the age requirements for acceptance. And, there's no health exam or health questions asked.

You can get a quote and apply completely online for your guaranteed acceptance life insurance policy today.

Life Insurance with No Blood Tests?

Can I get life insurance coverage without having to take any blood tests? I have needle phobia.

Yes, it is possible for you to get a life insurance plan without having to take any blood tests.

In fact, some life insurance plans offer life insurance without any health exam, blood or urine tests.

For instance, one highly rated life insurance carrier offers up to $350,000 of term life insurance you can start today, if you qualify. There's no health exams or needles, just some health questions for you to answer. The insurer reviews your answers to the health questions and decides if you qualify for coverage.

Once approved, you can start your life insurance coverage right away, and there's a 30 day money-back guarantee.

Here's how to buy term life insurance no blood tests required.

Term Life Insurance Instant Approval

Are you looking to buy term life insurance with instant approval?

There are plans offering same day protection with affordable rates on term life insurance.

Some life insurance companies have made instant life insurance available to make it easier on consumers to get covered and not have to wait up to 4-6 weeks rot go through a medical exam and find out if they are accepted for a life insurance policy.

Now, you don't have to wait. In fact, you can apply completely online and start your life insurance policy today, if you qualify.

And, there's no health examination required, just some health questions. There's also a 30 day money back guarantee if you are not satisfied with your life insurance policy.

Learn more about how to get term life insurance with instant approval today.

Apply for Term Life Insurance Online

Can I apply for a term life policy on the internet?

Yes, in fact, you can even start your term life insurance coverage today, if you qualify.

There's one life insurance company that offers people up to $350,000 of level term life insurance protection for a term of up to 30 years, without any health examination required.

You can request a free quote and apply completely online. There are some health questions asked, but there is no medical exam required. And, if you qualify, you may start your life insurance policy today. There's a 30 day money-back guarantee, too.

The online application process is simple, you just provide the required information and choose your method of payment. And, if you have any questions there is a toll-free number you can call for assistance, or you can choose to get help via email.

Heres' how you can apply for your term life insurance policy online today.

What Does Term Life Insurance Not Cover?

Term Life can be issued for a period of 1, 5, 10, 15, 20, 25 or 30 years and provides a death benefit to the beneficiary if the insured passes away during the term of the policy. Death by suicide is usually excluded during the first two years of being insured, one year in some states. The policy expires at the end of the term and does not cover living after that point.

Most term life policies will also pay a portion of the death benefit in advance if the insured person is diagnosed with a terminal illness and has less than 12-24 months life expectancy.

New Living Benefit Term Life insurance policies also include no cost riders providing additional coverage that will accelerate up to 90% of the death benefit payment in case of Critical Illness (Cancer, Stroke, Heart Attack, Major Organ Transplant, etc.), Chronic Illness, Disability, Terminal Illness, or Death.

Funds from the new living death benefit can be used for any purpose, such as: hospital and medical bills, lost income, mortgage payments, household expenses, long term care, etc. Living Benefit Term Life policies are only available from approximately six life insurance carriers. Learn more about how a term life insurance policy works.

Fidelity Life Insurance No Exam

What is fidelity life insurance no exam?

It's a term life insurance plan offered through Fidelity Life Insurance Company. It allow you to buy up to $499,000 of term life insurance protection online without having to take any health examination to qualify for coverage.

And, if you are age 65 or under you may apply online for your Fidelity Life no exam policy. With no exam plans Fidelity Life makes it easy for you to get the affordable life insurance you need without the hassles of having to meet with an agent or take a physical exam.

Instead of waiting 4-6 weeks to find out if you qualify, and are insured for life insurance, you can get approval in 24 hours or less with Fidelity Life. Here's how you can learn more about Fidelity Life Insurance with No Exam required.

Can I Purchase Life Insurance Online?

Is it possible for me to buy a life insurance policy completely on the internet?

Yes, in fact, you may even be able to start your life insurance coverage today, if you qualify.

Some life insurance companies offer instant issue life insurance plans for people who qualify by answering a few health questions. If you meet their guidelines based on your answers to the health questions, you may be approved for life insurance coverage and able to start your life insurance policy immediately.

However, no exam life insurance plans may have a higher rate for coverage than life insurance that does require you to take a medical exam. So, you'll end up paying more for the convenience and ease of purchasing your life insurance online.

But, there are advantages. You can apply online without having to meet with an agent, or take a medical exam or blood test. And, instead of waiting weeks to find out if you qualify, you may even start your life insurance right away.

Here's how to purchase instant life insurance coverage online today, if you qualify.

How Much Does Mortgage Life Insurance Cost?

Are you buying a new home or in need of mortgage life insurance protection for your home loan?

If so, you might want to shop and compare rates on mortgage life insurance to help you find the most affordable plan to help protect your home and family in case you pass away.

Mortgage life insurance plans can help provide the financial security your family needs to make sure they can stay in the home they share with you, now and in the future whether you are there, or if you have passed.

There are different types of life insurance plans for mortgage protection, but the most flexible and most affordable is mortgage life insurance which allows you to choose the beneficiary (your spouse) to receive the death benefits which can be used for any purpose, including to help pay off any outstanding loan on your home mortgage.

Here's how you can learn more, and compare instant mortgage life insurance rate quotes online today to help you find the most affordable plan.

Can I Buy Life Insurance Today?

Yes, it is possible for you to purchase a life insurance policy online today, if you qualify.

There is a highly rated life insurance carrier that offers instant approval life insurance coverage. There's no medical exam required, but there are some health questions for you to answer. Your approval is base don your answers to the health questions.

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

You can get an instant life insurance rate quote and apply completely online with their safe, secure online application process that only takes a few minutes.

And, the instant life insurance policy comes with a 30 day money back guarantee.

You can choose from $25,000 up to $350,000 of instant life insurance protection. And, you'll decide if you want coverage for a term of 10, 15, 20 or 30 years when you apply.

Here's how to buy your life insurance policy today without any hassles or delays.

What is Level Term Life Insurance?

Level term life insurance is a type of life insurance policy that provides you with temporary life insurance protection for a specific number of years, which is called the "term".

Term life policies usually offer coverage for a period of 5, 10, 15, 20 25, or 30 years. Annually renewable term life policies provide life insurance for a term of 1 year which you may renew each year for a higher premium.

With level term life policies you pay a level premium each year for the entire duration of your term. So, with a 20 year term life policy your premium payment would be the same each year for 20 years. In addition, the amount of life insurance protection you have stays the same each year for the entire length of your term life coverage.

If you die during the term of your policy, your beneficiary (who you choose) will receive the death benefit from your life insurance. However, if you put live the term of your policy, there is no benefit paid out, your life insurance ends, unless you choose to renew your term life policy for another term, at a higher premium based on your age at that time.

Level term life insurance costs a lot less for 30 years (or less) of life insurance when compared to permanent life insurance that provides guaranteed lifetime protection. So, if you have a life insurance need of 30 years or less, a level term life policy may be a good option for you.

Here's how you can instantly compare the lowest level term life insurance rates among leading life insurance carriers.

Life Insurance for People over 60

Can people over age 60 get life insurance coverage?

Yes, there are life insurance plans for people over age 60.

If you're over 60 and considering the purchase of life insurance make sure you consider a few things first before buying your policy.

1. What do you want your life insurance to accomplish?

2. How much life insurance do you really need?

3. What type of life insurance is right for you?

4. How much can you afford to spend on your life insurance?

5. Who do you want to name as your beneficiary to receive the proceeds from your life insurance?

Once you've considered the questions above, make sure you shop and compare life insurance rates among several of the highest-rated life insurance companies offering the most competitive pricing.

Here's how you can shop online for life insurance for people over 60.

Affordable Life Insurance No Exam

Is it possible to find affordable life insurance plans without any health examination required?

Yes, it is possible to get an affordable no exam life insurance policy. In fact, some carriers offer competitive rates on no exam life insurance when compared to lie insurance plans that do require you to take a physical to qualify. While others may charge a rate at leads 10% (or more) higher than medical exam life insurance plans.

However, with life insurance no exam policies you have the benefit of starting your life insurance the same day you apply rather than waiting up to 4-6 weeks to find out if you qualify and whether or not your have life insurance protection.

In addition, with no exam life insurance there's no need to meet with an agent, no hassles of taking a medical exam, having blood or urine samples taken, or waiting weeks to hear back about the status of your life insurance.

And, no exam life insurance plans may come with a 30 day money-back guarantee so you can get your paid premiums back if you are not satisfied with your life insurance plan.

Here's how to find affordable life insurance no exam coverage and request your free quote online today. You may even apply online and start your life insurance coverage today, if you qualify.

Lapsed Life Insurance Policy

How To Reinstate A Lapsed Life Insurance Policy?

If you have not paid your life insurance premiums on time you life insurance coverage may have lapsed.

If a life insurance policy lapses you may need to fill out an application for reinstatement and pay all back premiums owed.

As long as your health hasn't changed there should be no problem in re-instating your life insurance coverage.

If the life insurance policy is less than a year old you can reinstate by re-dating with some life insurance companies. You have the policy re-issued with a new issue date. This way you do not have to pay the back premiums.

Learn more about a lapsed life insurance policy and what you can do to get your life insurance coverage back "In Force".

Term Life Insurance for Seniors

Can seniors get affordable term life insurance coverage?

Yes, there are senior term life plans available from many life insurance carriers offering affordable pricing, but the rate you pay per $1,000 of coverage will depend on several factors including the length of term - 5, 10, 15 or 20 years, and the amount of life insurance.

In addition, your health and lifestyle will affect your rate for term life coverage.

Also, there are some senior term life insurance plans that do not require you to take a medical exam to qualify for coverage.

One option for shopping senior term life insurance is to compare multiple quotes online from a life insurance website with access to a large network of highly-rated life insurance carriers so you can instantly find out which companies may offer you the most affordable plan.

Here's how you can shop and compare term life insurance for seniors today.

What Are The Two Different Types Of Life Insurance?

There are two basic types of life insurance policies: Term and Permanent.

Term life insurance is life insurance that covered your temporary needs of 30 years or less. It costs a lot less than permanent life insurance because it expires at the end of your term leaving you with no coverage unless you die during the term of your policy.

Whereas, permanent life insurance provides lifetime protection and may build up cash value inside the policy from which you may take a loan.

Your rate you pay for the life insurance coverage for a term policy remains the same for the duration of your term, while your rate remains level for your entire lifetime with permanent life insurance.

Basically, if you need the lowest priced life insurance for a period of 30 years or less, term life can accomplish the goal. If you need guaranteed lifetime protection, permanent life insurance may be a good option.

Here's how you can compare the advantages and disadvantages of term life insurance vs permanent life insurance.

Is Burial Insurance the same as Life Insurance?

No, life insurance is not necessarily the same as a burial insurance plan.

However, life insurance policies can be used to provide the funds needed to help pay for your burial and funeral costs.

Usually, burial insurance will provide lifetime coverage which can be used to pay for the cost of your burial and funeral.

Many burial insurance policies offer guaranteed acceptance and there's no health exam required to qualify. Also, there's usually no health questions for you to answer.

On the other hand, regular life insurance offers higher limits of coverage than burial insurance which usually only offers up to $30,000 of protection. And, most life insurance plans will require you to take a physical exam in order to find out if you qualify to be insured.

Here's how you can learn more about burial insurance and compare plans today.

What is One Dollar Life Insurance Coverage?

One dollar life insurance is life insurance coverage you can start for just $1.

For instance, Globe Life Insurance offers simplified issue life insurance with no medical exam, just 3 health questions to answer.

You can get an instant quote and apply online for your Globe Life policy in about 5 minutes. And, you can start your life insurance for just one dollar. However, your regular monthly payments are based on your age, health and the amount of life insurance you purchase.

But, you have a 30 day money-back guarantee, so if you aren't satisfied with your life insurance policy you have 30 days to request a return of your $1 you paid to start your life insurance.

Get a free Globe Life Insurance Quote.

How much Life Insurance Can I Get without a Physical Exam?

I want to buy life insurance without having to take a medical examination.

How much life insurance can I buy with no health exam required?

There are several different plans available for life insurance without any exam. You may have the option of applying for more than one and getting coverage from several insurers without having to take any health exams.

However, I think the largest amount of life insurance available from any one insurer without a health exam is around $500,000. But, you will have to answer some health questions when you request a quote for coverage.

Here's how you can learn more and request your free quote for no exam life insurance.

Average Cost of Term Life Insurance?

What is the average cost of term life insurance?

There is no on particular average cost of a term life insurance policy, because the cost of term life insurance depends on the type of term life insurance plan, how many years the term will last, and the amount of life insurance coverage provided by the policy.

In addition, your own personal risk factors affect your rate for term life insurance, including your age, gender, health, family health history, lifestyle, tobacco use, occupation, hobbies, driving record, height-to-weight ratio, etc.

The longer you are expected to live (longevity), the lower your rate for life insurance. In addition, the younger you are when you purchase your life insurance, the lower your rate for coverage.

Here's how you can learn more about the average cost of term life insurance.

Term Life Insurance IQ Test

What is your term life insurance IQ?

Are you looking to purchase a term life insurance policy?

If so, you may want to learn how term life insurance works and test your knowledge of term life coverage before making your purchase.

Take a term life insurance IQ test and in just a few minutes you'll be much more knowledgeable about what term life insurance can do for you and your family.

Term Life Insurance NY

Are you looking for the most affordable term life insurance policy in New York?

If you live in the state of New York and want to get affordable term life coverage it's important first to understand how term life insurance works and how to compare rates.

Term life is life insurance for a specific period of time. Term life usually lasts for a term of 10, 15, 20 or 30 years.

Term life is not an investment, it is pure protection. There is no cash value inside a term life policy.

With term life you are insured only for the length of your term. If you outlive the term of your policy, your life insurance coverage ends.

If you pass away during the term, your beneficiary receives the death benefit from your life insurance policy.

In order to find the most affordable term life plan you'll want to compare rates among the leading life insurance carriers.

Why compare rates? Because, rates can and do vary by insurance company, and comparing rates may save you hundreds of dollars per year on your life insurance policy.

How can you compare rates for term life insurance in New York?

It's simple. You just visit a life insurance website that offers quote comparisons from a large network of insurers. Then, you fill out a short quote request form. You'll instantly receive the lowest priced term life plans with a list of the insurers names, and their financial strength ratings from AM Best Company.

You just choose the plan you want, and if you have questions, the quote provider has a toll-free number you can call to get help, or email them with your questions.

Comparing term life rates online only takes a few minutes of your time, but it can help to save you quite a bit of money over the term of your policy. Here's how to compare quotes for term life insurance ny plans today.

Who Sells Term Life Insurance?

When you are talking about term life insurance you’re talking about temporary insurance that lasts for a set number of years. For instance, term life insurance policies may provide protection for a term of 10, 15, 20 or 30 years, usually.

Although there are a lot of companies that sell term life insurance policies, all terms are not the same as for overall coverage provided, and rates charged for your policy, as well as, when your full coverage begins.

Some of the main factors to consider include:

1. How long do you need the life insurance coverage - for how many years?

2. Does the life insurance policy automatically renew itself when your term ends, and if it does, what are the new rates going to be that the insurance company will charge you for your renewal term life policy?

3. If things change can you reduce the amount of your life insurance coverage to lower your premium?

4. Can your term life policy be converted to a permanent life insurance policy without new underwriting or a physical exam being required?

When shopping for a term life insurance policy always make sure to compare multiples life insurance quotes from several of the best life insurance companies before choosing your plan.

Here's how you can compare instant term life insurance rates online without any delays or hassles.

Does Life Insurance Require A Blood Test?

Whether or not the life insurance company will require you to take a blood test will depend on the amount of life insurance you apply for and your age.

The older you are when you apply for life insurance, the smaller the amount of life insurance applied for that triggers the requirement for a blood test.

Along with a blood draw, a urine specimen may be a part of the underwriting requirement for your life insurance policy.

The life insurance company pays for any health exam and testing of your blood and/or urine.

Usually, a life insurance blood test will look for any health problems you may have, including diabetes, high cholesterol, high protein levels, STD's, HIV/AIDS, as well as any legal or illegal drugs in your system including cocaine and methamphetamine. The test also checks for tobacco use including marijuana.

There are some life insurance companies that offer no medical exam life insurance plans without any blood tests required. Learn more about life insurance no blood tests and find out today if you qualify to buy life insurance.

Which Life Insurance is Best for Seniors?

The best life insurance for a senior citizen is life insurance that will stay "In Effect" until the senior's death, no matter what age the person lives to be.

To get a term life insurance policy as a senior is only advisable if the senior citizen has a short term need for life insurance coverage that will not last beyond the duration of the term, for instance, 10 or 15 years, such as wanting the life insurance to pay off a mortgage loan on your home in case of your death.

Permanent life insurance policies may be needed for final expense coverage to provide funds to help pay for your burial and funeral costs..

If a senior person gets term life insurance and then outlives the term, it can be very difficult to qualify for a new life insurance policy then.

Here's how you can leaner about different options available on life insurance plans for seniors

Life Insurance for Epilepsy?

Is it possible for people with epilepsy to qualify for life insurance coverage?

Yes, if you have epilepsy you may be able to purchase life insurance.

However, whether or not you qualify will depend on your own personal situation, including when you were diagnosed, how long it's been since your last seizure, how often you have seizures, how you manage your epilepsy, how often you see your doctor, and your health, among other risk factors.

There are several life insurance companies that insure people with epilepsy, but your acceptance and the premium you pay will depend on the above factors, in addition to the type and amount of life insurance coverage you need.

Here is an article on life insurance for epilepsy that explains what is important to life insurance companies, what they consider when you apply for coverage, and how you can go about comparing the best rates and plans online.

How much is life insurance for kids?

I want to buy life insurance for my kids. But I don;t know how much it will cost.

How much is a life insurance policy for children?

Actually, kids life insurance plans are very affordable. Some even start at just $1 for the first month's premium, then you pay the basic rate monthly based on the amount of life insurance and the age of your kids.

Monthly premiums may be as low as just a few dollars per month for up to $30,000 of kids life insurance protection.

Life insurance plans for your children may build up cash value over time from which your child may take a loan in the future, if needed.

And, kids life insurance plans guarantee your child may had lifetime coverage, and add to the amount of life insurance when your child becomes an adult, regardless of his or her health or occupation.

There's no medical examination required, you just answer some basic questions and you can apply online for your child's life insurance today in a matter of minutes.

Here's how to find out how much kids life insurance cost.

Does Life Insurance Test for Drugs?

When you buy a life insurance policy do they make you take a drug test?

That depends on your age, health, the life insurance company and their guidelines, and the amount of life insurance you want to buy.

However, it is a standard requirement from most life insurance carriers.

The drug testing may check for legal prescription drugs in your system; as well as, illegal drugs which may include marijuana, methamphetamine and cocaine, among others.

If your testing was positive for illegal drugs you may be declined for life insurance coverage.

If it was positives for prescription drugs you denied taking, you may be required to pay a higher rate if you chose to purchase the life insurance coverage.

However, there are companies that offer life insurance with no drug testing required. Learn more about life insurance drug tests and your options for life insurance coverage.

How Long Does Term Life Insurance Last?

A term life insurance policy is a form of life insurance that is temporary, for a set period of time.

Usually, term life insurance provides protection for a period of 5, 10, 15, 20 or 30 years.

If you outlive the "term" of your term life policy, the life insurance coverage ends without paying out a death benefit.

If you die during the term, the death benefit is paid out to your beneficiary, unless there are any exclusions that would prohibit payout.

If you decide you still need life insurance at expiration of your policy you may renew the term life insurance for another term without taking any medical exam, but your rate will increase based on your age at tome of renewal.

Another option might be to compare term life insurance rates and plans among other insurers when your renewal comes up to see if there are any better deals available.

Here's how you can learn more, and compare term life insurance rates online from several insurers at once.

What is Social Security Burial Insurance?

The Social Security Administration provides a one time lump sum payment to those qualifying for social security burial benefits.

If your spouse or parent had enough credits based on the number of years they contributed to making tax payments then you may qualify to receive the $255 one time payment for burial benefits.

However, this amount won't cover the entire cost of a person's burial and funeral expenses. According to the National Funeral Directors Association, the average cost of a funeral is around $7,000.

That's why so many people who have not saved enough money to provide for this final expenses choose to purchase a burial insurance plan. That way, your loved ones don't have to suffer any financial burden of paying for your funeral and burial.

In addition, to burial benefits from the S.S.A., you may qualify to receive monthly survivor benefits which may exceed $500 per month or more.

Learn more about Social Security Burial Insurance Benefits.

Life Insurance for Seniors over 70

Is there life insurance available for people,over the age of 70?

Yes, people over 70 years of age may be able to qualify for a life insurance policy.

Whether or not you qualify will depend on your health, your age, and the insurance company you apply to for a policy.

In addition, your own personal risk factors will impact your acceptance and the rate you pay for life insurance.

The life insurance companies will consider your age, health, lifestyle, hobbies, occupation, driving record, and other factors that may affect how long you might live.

Do you have any health issues, are you overweight, or on medication? These may play a role in whether you can get life insurance and how much it will cost.

In addition, there are no exam life insurance plans for seniors which do not require you to take a health exam, but these may cost more than life insurance that dies require a physical.

Here's how you can learn more about Life Insurance for Seniors over 70 and request your free life insurance quote comparisons.

Why Would A Person Buy Term Life Insurance?

A term life insurance policy is most often purchased when someone needs the most life insurance protection to provide for a short term need of 30 years, or less.

Usually, life insurance benefits are needed for a fixed period of time, which may be for a term of 10, 15, 20 or 30 years; such as, an auto loan, home mortgage loan, or to college loan.

Term life insurance plans are offered by most life insurance companies and do not include any form of investment or cash value, it provides only "pure protection". That's one main reason why it costs a lot less than permanent life insurance.

Some reasons a person may choose to buy term life insurance include the following:

1. Your need for life insurance is temporary, for a period of 30 years or less.

2. You can't afford permanent life insurance.

3. It is a requirement of a loan or contract to purchase a term life insurance policy.

Here is a buying term life insurance policy checklist to help you understand what to consider when purchasing your term life insurance coverage.

Life Insurance for Bungee Jumping?

Can I buy life insurance coverage if I sometimes go bungee jumping?

Yes, you may qualify to purchase life insurance coverage even if you occasionally bungee jump.

If you only bungee jump once or twice per year, you may find that your rate is not affected by the activity.

However, if you do go bungee jumping on a regular basis, then you may end up paying 2 to 3 times more for the same life insurance as someone who doe snot bungee jump.

The reason being that bungee jumping is considered a high risk activity which could possibly cause death.

That's why there are questions on life insurance applications regarding any dangerous activities you may take part in, including skydiving, bungee jumping, or rock climbing, etc. As these activities increase the likelihood of you dying early.

The insurance company will also likely ask you how often you bungee jump, where do you go bungee jumping, and what type of bungee jumping do you take part in?

Learn more about life insurance for bungee jumping and how you can compare life insurance plans and rates today.

Life Insurance for Burial Expenses

Is there life insurance you can buy to help pay for the cost of your burial?

Yes. There are burial life insurance plans available for people of almost all ages.

In fact, most life insurance plans to cover burial costs are simplified issue - meaning you won't have to take a physical examination or blood test to qualify for the coverage.

And, you can apply completely online for your burial life insurance policy.

Most burial insurance plans offer a limited amount of coverage since the average funeral and related expenses costs about $7,750. Some plans offer up to $20,000 or more of life insurance protection.

You can request a free burial insurance quote online and apply for your policy today, in just minutes.

Breast Cancer Awareness Month

October is Breast Cancer Awareness month!

If you have a family history of breast cancer or are over 40, make sure to get your breast cancer exam.

Here are some helpful links to information about breast cancer:

Cancer.org

National Breast Cancer Awareness Month

Healthfinder.org

Centers for Disease Control

Are you worried about the cost? CDC offers free or low-cost mammograms and education about breast cancer.

Breastcancer.org

Podcasts, videos and tips.

Susan G. Komen for the Cure

Race for the Cure Events being help in different cities. Sign up now to take part in the "Race for the Cure" in your city.

$10,000 Life Insurance Policy?

Can I buy a $10,000 life insurance policy online?

Yes, you can purchase up to $10,000 or more of instant life insurance coverage on the internet.

In fact, if you're between the ages of 18 to 78 you may qualify to purchase a $10,000 life insurance policy without having to take any health examination. It's simple, just answer 3 easy health questions.

You can start your $10,000 life insurance policy for just $1 for the first month of coverage.

Your plan is provided by a life insurance company rated "A+" Superior by AM Best Company for financial strength.

Whether you need life insurance to protect your growing family or provide for your final expenses, it's quick and easy to get a $10,000 life insurance policy.

And, there's a 30 day money-back guarantee, so there's no risk in buying your life insurance coverage today.

What Does Graded Whole Life Insurance Mean?

Graded life insurance policies are a way for life insurance companies to offer life insurance coverage to persons who would be uninsurable otherwise, whether it be due to health reasons or age.



By restricting the payment of the death benefit coverage for the first 1-3 years for death due to natural causes, graded benefit policies help life insurance companies stay viable so they can be counted on to pay the death benefit for all their clients.

Graded life insurance policies generally pay 100% of the death benefit from day one for accidental death.

However, for death due to illness or natural causes, some plans pay out only what you paid in as premiums, plus a small percentage more during the first 2 or 3 years you are insured. Other plans pay a percentage of the death benefit and may only have a two year graded period, then provide full coverage after the first 2 years you are insured.

Here's how to get whole life insurance guaranteed issue with a grade benefit.

Where Can I Get Life Insurance For Diabetics?

Using a life insurance broker or agency that specializes in "impaired risk" life insurance is a good way to make sure that you are getting the best possible diabetic life insurance rate available for your health condition.

The type of diabetic treatment, history of A1C's, age at diagnosis, whether there are complications from the diabetes, weight, tobacco use, and having additional health conditions all have a big impact on what medically underwritten life insurance policy someone with diabetes may qualify for, and how much he or she will pay for the life insurance policy.

Some of the insurers offering diabetes life insurance coverage include American General, Fidelity Life and Transamerica, among others.

Here's how you can compare life insurance for diabetics and find the most affordable plan for your own personal health condition.

What Should Life Insurance Cost?

The cost of your life insurance policy will depend on your age and health.

Basically, the younger and healthier you are when buying your life insurance policy, the lower your rate for coverage.

Your cost will also depend on your own personal risk factors, which may include your family health history, lifestyle, tobacco use, occupation, hobbies, height-to-weight ratio, driving record, etc.

The amount of life insurance coverage will also impact your rate - the higher the amount of coverage the higher your premium.

As regards term life insurance, it will cost more the longer your term. So, a 20 year term life plan will have higher rates per $1,000 of coverage than a 10 or 15 year term life policy.

To compare rates and find out which carrier offers you the most affordable life insurance plan, Visit 1ClickCoverage which offers instant life insurance quote comparisons from over 70 leading life insurance companies.

Can Seniors Buy Life Insurance without Taking a Physical Exam?

Yes, seniors may able to purchase life insurance coverage without taking any health exams.

There are several types of senior life insurance plans with no exams.

Senior whole life insurance offers lifetime coverage with no exam required and full protection from day one you are insured.

Senior term life with no exam offers instant approval and immediate full coverage with no exam required.

And, guaranteed issue life insurance offers coverage with no exam but graded death benefits the first 2 years you are insured.

When choosing a senior no exam life insurance plan make sure you find out how long your coverage is guaranteed, how ling you have guaranteed level rates, and when you have full coverage (immediately or after 2 years).

Here's how you can buy senior no exam life insurance coverage online today.

Does Life Insurance Cover Breast Cancer?

Life insurance pays a death benefit when an insured person dies. There isn’t any exclusion in modern life insurance policies against death resulting from cancer. It is precisely the sort of thing that life insurance is designed to cover death, from natural causes. However, life insurance does not pay for medical treatment for cancer, it pays upon the death of the insured resulting from cancer.

There is usually some type of life insurance policy you can get after being diagnosed with breast cancer. If you get a policy that covers you, either after disclosing that you have breast cancer, or because they did not ask (i.e. guaranteed issue life insurance), yes, it will cover death from breast cancer or any other illness or accident. Guaranteed issue life insurance plans will cover death resulting from breast cancer even if you are a;ready diagnosed, but there is not full coverage until you have been insured for at least two years with most guaranteed issue plans.

If you got a life insurance policy before having any idea that you were going to be diagnosed with breast cancer, the life insurance policy will cover death resulting from breast cancer.

If you have purchased the life insurance prior to being diagnosed with breast cancer, yes you are covered. If you have had breast cancer and looking to purchase life insurance there are some things you need to know.

The type of life insurance, amount of coverage and terms depend on the type of cancer itself and how long you have been cancer free after your last treatment. Learn more about cancer and life insurance

What Is The Best Insurance For Funeral Expenses?

The best kind of insurance to cover funeral expenses will be a life insurance policy that is “In Force” at the time of your death.

While you should try to get your life insurance coverage for the best rate for which you can qualify, it is more important that your life insurance coverage is still “In Force” and has not lapsed or terminated for any reason.

While term life insurance generally has a lower premium for the same death benefit, permanent life insurance is the more suitable solution for funeral expenses as the coverage will last for your entire lifetime as long as your premiums are paid on time.

Permanent life insurance is the best option when it comes to providing for your funeral expenses.

There are many permanent life policies that can now be purchased with no medical examination for small face amounts of life insurance coverage that work perfectly to cover funeral costs and other final expenses.

The death benefit from the life insurance plan is left to your beneficiary, so, for example, if you changed your mind from being embalmed to being cremated, the extra money left over can go to help pay your other bills.

When you buy permanent life insurance, you don't have to worry if it will be in effect at your death. It is guaranteed to remain “In Force” throughout your life. Here's how to buy the best insurance for funeral expenses.

MetLife Final Expense Life Insurance

What is MetLife Final Expense Life Insurance?

It's a type of life insurance plan that helps you provide money for your family to pay for your final expenses, including your burial and funeral costs, and medical bills, among other things.

MetLife offers people ages 45 to 75 guaranteed issue whole life insurance with no medical examination and no questions about your health.

You cannot be turned down for coverage if you are ages 45 to 75.

It's quick and easy to get your free, instant quote and apply online for your final expense policy in just minutes.

And, it's a whole life insurance plan that builds can value inside the policy.

MetLife is a name you know and trust and they will provide the protection you and your family need for your entire lifetime, as long as your life insurance premiums are paid.

Get your free quote for MetLife final expense life insurance today.

Globe Life Insurance Policy for Children?

The Globe Life and Accident Insurance Company offers life insurance plans for adults and children.

Globe children’s life insurance offers up to $30,000 of life insurance protection without any health exam required.

You can get a policy for your child or children by applying online and paying just $1 for the first premium payment.

Globe children’s life insurance offers you a way to guarantee your child will have life insurance protection no matter what happens in the future. And, the life insurance can build cash value over time inside the policy.

Your child may even be able to increase the amount of life insurance protection provided by the policy when he or she turns become an adult.

Globe Life is a highly rated, financially secure life insurance company, rated “A+” Superior for financial strength by AM Best Company.

Request your Globe children's life insurance quote today.

What Is Guaranteed Issue Life Insurance?

A Guaranteed issue life insurance policy is one that offers guaranteed approval for all applicants. However, these plans usually have specific age restrictions for who may qualify for coverage.

For instance, some insurers only offer guaranteed acceptance plans to people age 45 to 75.

In addition, there is no medical exam required, but their may be a few health questions.

And, guaranteed issue life policies usually offer a small amount of life insurance, for instance, up to $20,000 of coverage.

It’s important to understand how guaranteed issue life insurance works. These plans usually have a graded death benefit for the first 2 years you are insured. This means you will not have full (100%) coverage until you have been insured under the policy for 2 years.

How Much Does Term Life Insurance Cost For A 65 Year Old?

The cost of a Term Life Insurance Policy or a 65 year-old person will depend on several factors, including the following:

1. The gender of the applicant. At age 65, men pay much higher life insurance premiums than women.

2. The length of your policy term. There is a big difference between the price of a 10 year Term life policy and 20 year Term life policy at age 65 because mortality rates rise so much as we age. So, at that age there is a greater risk of death as you get older.

3. The health of the applicant. Health conditions can make a big difference in life insurance premiums charged for a 65 year old.

Shopping among multiple life insurance carriers can be of great benefit at age 65, because the difference in premiums among insurance companies are greater than when you were younger. Some insurance companies even give preferential underwriting to older persons depending on the type and amount of life insurance coverage.

Compare life insurance for seniors 65 and over.

How Much Is Life Insurance A Month?

To find out how much life insurance costs per month you can request free, instant life insurance quotes online.

Your cost of life insurance all vary by insurer, and will be impacted by risk factors including your age, gender, tobacco use, lifestyle, driving record, health, etc.

The longer your life expectancy, the lower your premiums. In addition, the larger the amount of life insurance, the higher the premiums.

Smokers usually pay 2-3 times higher rates than non-smokers for life insurance.

Term life costs a lot less than permanent life insurance and offers guaranteed level premiums for a period of up to 30 years.

Does Term Life Insurance Require A Medical Exam?

Yes, you may be required to take a medical exam if you purchase a term life insurance policy.

However, the medical exam is paid forby the life insurance company.

Whether or not you are required to take a medical exam when purchasing life insurance will depend on several things, including:

1. The life insurance company

2. Your age and health

3. The amount of life insurance

There are life insurance carriers that offer no exam life insurance plans. In fact, some carriers allow you to apply for a life insurance plan online and start your life insurance coverage the same day, if you qualify.

It's important to understand that no exam life insurance costs more than life insurance requiring a medical exam.

However, it can be much quicker and easier to get insured for no exam life insurance. And, there's no medical exam, no blood tests, and no urine tests. So, if you're one of the approximately 10% of the population with a fear of needles or blood, then this may be an option for you to consider.

Learn more about how to get term life insurance without a medical exam.

Seniors Life Insurance

Can seniors get life insurance coverage?

Yes, seniors may qualify for life insurance protection.

However, qualifying for life insurance will depend on your age and health. Each life insurance carrier has their own guidelines as to who may qualify based on age, health, lifestyle, and other risk factors, like tobacco use, your driving record, height-to-weight ratio, etc.

In addition, some insurers offer seniors the option of purchasing life insurance without having to take any physical examination, blood or urine testing.

In fact, one life insurance company which is rated "A+" Superior for financial strength by AM Best offers seniors a way to start their life insurance policy for just $1.

When comparing senior life insurance plans make sure you take into consideration the premium, financial strength rating, how long the rate is guaranteed to remain level, and how long you will have the life insurance coverage. Also, find out if you have full coverage immediately, or have to wait 2-3 years after you start your life insurance policy.

Here's how to compare seniors life insurance rates and plans online today.

What Is Whole Life Insurance And How Does It Work?

Whole life insurance is a type of life insurance policy that guarantees you lifetime life insurance protection as long as you pay your life insurance premiums on time.

Whole life insurance provides life insurance in return for premium payments paid to the insurance company by the owner of the life insurance policy. Upon the death of the insured person, a death benefit will be paid to the beneficiary of the life insurance policy, subject to any exclusions which may apply to the policy.

Whole life insurance provides the following:

1. Lifetime life insurance protection.

2. Guaranteed level rates for the life of your policy.

3. Builds up cash value inside the life insurance policy from which you may take a loan.

Here's how you can learn more and compare whole life insurance rates online from several of the leading life insurance companies.

What Determines Life Insurance Rates?

There are several factors that go into determining rates for a life insurance policy.

First, each insurer has their own set of pricing guidelines, so rates on life insurance will vary by insurance carrier.

Next, rates will vary based on the type and amount of life insurance coverage.

Also, your own personal risk factors impact your longevity – how long you are expected to live, the longer the better as far as getting a lower rate. Risk factors may include your gender, age, health, lifestyle, tobacco use, hobbies, occupation, height-to-weight ratio, driving record, etc.

Compare life insurance rates online among several of the leading life insurance companies.

Does Life Insurance Test for Marijuana?

Yes, life insurance companies do test if you smoke marijuana.

They usually require you to take a medical exam (which they pay for) when you apply for a life insurance policy.

However, there are some life insurance plans that do not require a medical exam.

When you take your medical exam they may also require a blood draw and/or a urine sample which they send to a lab for testing.

Usually, your blood or urine are tested for illegal drugs, STD's, diabetes, high cholesterol, AIDS/HIV, etc.

If marijuana is detected in your blood or urine the insurance company may adjust your rate or decline you for coverage, depending on their position for accepting marijuana smokers.

In addition, it may depend on whether or not you have a medicinal marijuana prescription, and if you live in a jurisdiction where marijuana is legal or not.

Learn more about life insurance for marijuana smokers

Why Is Term Life Insurance Often The Best Value?

Term life insurance is often the best value because it has the lowest rates for your life insurance coverage for a limited period of time.

If you only need life insurance for 30 years or less, then a term life policy may offer the lowest cost.

Since term life is temporary, the chances of a death benefit being paid out are much lower than for a permanent life insurance policy. So, the rate you pay per $1,000 of life insurance coverage is much lower than you pay for permanent life insurance. Compare term life insurance rates from several highly-rated life insurance carriers.

What is Non-Medical Life Insurance?

The insurance company will ask questions about your health and will base their approval for your life insurance policy on that information.

There might be inquiries sent to your doctors or there might even be a request for a paramedical exam but that is very unusual. Some non medical life insurance policies even give you instant approval and allow you to start your life insurance coverage the same day you apply online for a policy.

Non med life insurance may cost more than life insurance requiring a physical exam because they may accept some applicants that may be declined if they had to take a medical examination to qualify.

Here's how to get non medical life insurance.

Can A 65 Year Old Get Term Life Insurance?

Yes, a 65 year old can get a term life insurance policy.

When choosing your term life policy you may have the option of getting coverage for a term of 5, 10, 15 or 20 years wt age 65, depending on your health and the insurance company.

If you purchase a term insurance at age 65, be sure that you do not need the life insurance coverage past the years in the term, because it will be difficult to get a new policy after your term ends, due to your age, and any health issues you may have at that time.

Learn more about life insurance for seniors age 65 and over

What Is The Best Life Insurance For My Parents?

The best life insurance for your parents will depend on what your goal is for your parent’s life insurance coverage.

If your parents need short-term coverage to provide security to pay off a home loan, then a level term life insurance policy may be a good option.

If your parents need lifetime coverage to provide for their final expenses including funeral and burial costs, then a permanent life insurance policy may be right for them.

Here’s how you can compare life insurance plans for your parents.

What is Mortgage Life Insurance?

Are you looking for life insurance to protect your mortgage, your home, and your family?

If so, mortgage life insurance may be the plan you need.

Mortgage term life insurance provides you with an affordable to to make sure your family can stay in the home they share with you, incase you die.

With mortgage term life coverage you choose the term of your coverage from 10, 15, 20 or 30 years. Usually, you’ll want to pick the length of tine you have your mortgage loan – 20 or 30 years.

You select a beneficiary to receive the death benefit from your life insurance (usually your spouse), who can use the money to pay off the mortgage.

Here’s how you can learn more about mortgage life insurance and request your free quotes online today.

Globe Life Insurance

Are you in need of simplified life insurance without having to take any health exam?

If so, Globe Life may be the option for you.

Globe Life is an "A+" rated life insurance carrier with more than 3.8 million policyholders across America.

Globe Life offers people ages 18 to 78 up to $30,000 of life insurance with just a few health questions for you to answer.

You can get an instant quote for life insurance and apply online for your life insurance policy in a matter of minutes.

Just $1 starts your life insurance coverage. And, Globe Life policies come with a 30 day money-back guarantee if you are not satisfied with your policy.

Get a free Globe Life Insurance Quote online today. If you're married you may apply online for life insurance policies for you and your spouse.

What Is A 10 Year Level Term Life Insurance?

Ten Year Level Term Life Insurance is life insurance coverage that will not go up in price for a period of 10 years.

It may have the option to be extended beyond that time for another year, or longer, but the premium will be much higher when the 10 year term is complete.

A 10 year term policy does not have any cash value inside the policy, just life insurance protection. Some 10 year Level Term plans can be converted to a permanent life insurance policy without evidence of insurability (no health questions asked) for some or all of the 10 years.

If you need life insurance only for 10 years (or less), then a ten year term policy offers the lowest rates for your life insurance coverage.

If you think your needs may change over time, you may want to consider buying a 15 or 20 year term life insurance plan.

Learn more about how a 10 year term life insurance policy works.

What’s The Best Life Insurance To Purchase?

The best life insurance to purchase is the one that best suits your life insurance needs, fits your budget, guarantees your protection, and that you qualify to purchase.

The two basic types of life insurance are term and Permanent.

Term life insurance is temporary, usually for a period of 1 to 30 years. Most term life policies are issued with guaranteed rates for a period of 10, 15, 20 or 30 years.

Permanent life insurance provides lifetime protection and may build up some cash value inside the policy over time.

Term life costs a lot less money than permanent life insurance.

If you have a need for life insurance that will last for a period of 30 years or less, then term life insurance may offer you more coverage at a lower cost, and fit your needs.

If you need lifetime protection, permanent life insurance may offer the protection you need.

For more information you can read this article on term life insurance vs permanent life insurance to learn about the benefits and drawbacks of each type of life insurance to help you better understand your options and choose the right plan to meet your needs.

Can I Get Whole Life Insurance Quotes With No Medical Exam?

Yes, you can get whole life insurance quotes with no medical exam.

In fact, depending on your age and health, you may be able to qualify for up to $400,000 of whole life insurance without having to take any physical examination.

In addition, seniors may qualify for up to $20,000 of whole life insurance with no medical exam required, and guaranteed acceptance.

Keep in mind, no exam life insurance costs more than life insurance that dos require a medical exam.

However, some no exam life insurance policies offer coverage in as little as one day.

Here's how to get your whole life insurance quotes with no medical exam

Is A Physical Required For Term Life Insurance?

When you apply for a life insurance policy the insurance carrier may require that you take a physical examination to check your health and determine whether or not you qualify for the life insurance coverage.

The insurance carrier will pay for the exam, and the results will help the insurer determine the rate they should charge you for the life insurance coverage, and whether or not they should insure you for life insurance. If you do not agree with the results of the exam you may request another exam.

In addition, there are insurance companies that offer life insurance policies that do not require you to take a medical exam. Since there is no exam, they may in end accepting some applicants that might not otherwise qualify for life insurance if they had to take an exam. That's why the rate may be higher compared to life insurance with an exam.

However, no exam life insurance plans offer you the option of starting your life insurance coverage today, if you qualify. And, you won;t have to meet with an agent. Also, since there's no exam there's no needles or blood draws.

Learn more about no exam life insurance and get your free quote today.

What Does Accidental Life Insurance Cover?

Accidental life insurance works if you are involved in a car accident or any type of accident and you die, the life insurance company will pay out the death benefit from your life insurance policy to your beneficiary.

But you have to remember this type of life insurance policy only pays out if you die as a result of an accident, not from natural death.

Death resulting from natural causes is not covered by an accidental life insurance policy.

And, usually the insured must die within a certain amount of time of the accident, such as, within 6 months of the accident that caused death.

Here's how you can request your accidental life insurance quote online today. You may purchase up to $1,000,000 of accidental death insurance with no health exam and no health questions.

Instant Life Insurance Coverage

Can I get instant life insurance coverage on the internet?

Yes, there are insurers offering instant life insurance policies if you qualify for coverage.

Instant life insurance plans usually require you to answer some health questions and those answers help to determine if you qualify for the coverage.

In addition, instant life insurance does not require a medical exam, offers lower amounts of life insurance than you might qualify for if you did take a medical exam, and the rate charged for your instant life insurance policy may be higher compared to life insurance requiring a medical exam.

However, there are several benefits to instant life insurance, including:

1. Same Day Coverage if approved.

2. No delays waiting to find out if you are insured.

3. No medical exam, no doctor's visit, no needles, no blood tests.

4. No need to meet with an agent.

5. Peace of mind today knowing your family is financially secure in case you were to pass away.

Keep in mind, even instant life insurance plans offer a money-back guarantee which may be for as long as 30 days, in case you are not satisfied with your life insurance policy.

Also, make sure you find out how long your life insurance coverage will last, how many years your rate is guaranteed to remain the same, and if you have full coverage from the start of your policy.

Find out if you qualify for instant life insurance coverage today.

Why Should I Get Term Life Insurance?

The are two common characteristics of someone who should get a term life insurance policy:

1. They need the most life insurance coverage for the lowest price now.

2. They need as much life insurance as they can possibly afford for the distant future up to a period of 30 years.

Since term life insurance is temporary to offers the lowest cost for life insurance protection that will last for a period of up to 30 years.

Term life is pure life insurance protraction, not an investment.

You can choose a "term" of 10, 15, 20 or 30 years depending on your age and health.

Your premium is guaranteed to remain the same for the entire term of the policy. If you outlive your term, then the life insurance coverage expires, unless you renew your policy for a higher premium based on your age at renewal.

Term life insurance policies offer much lower ages compared to permanent life insurance which provides lifetime coverage.

Many young families and people on a budget choose term life insurance. In addition, if you have debts lasting 30 years or less; such as, a home mortgage loan, then term life insurance may be a good option for you.

Keep in mind, you can own more than one life insurance policy, So, you could have a term life insurance plan for your needs of 30 years or less, and a permanent life insurance policy to provide lifetime coverage for your final expenses.

What Are Life Insurance Quotes?

Life insurance quotes are an estimation of the premiums you would pay for a given life insurance policy based on a set amount of life insurance coverage and type of policy.

However, a life insurance quote is only as good as the information it's based on, it is only an estimate of the price you may pay based on the information you provide yo get the quotes.

It's important to answer all questions truthfully so you get an accurate quote for your life insurance.

Most life insurance websites offer term life insurance quote comparisons, which is temporary coverage providing life insurance with guaranteed level premiums for a term of 10, 15, 20 or 30 years. Rates are provided by a network of insurers and your quotes will show the most affordable plans based on your information, and the financial strength ratings are provided with your quotes.

It only takes a few minutes to fill out a short quote request form and receive your instant life insurance quote comparisons online. And, some insurers may offer same day life insurance coverage if you qualify.

Here's how you can request your free, instant life insurance quotes online today.

How Much Is The Average Cost Of Life Insurance?

There is no one average cost of a life insurance policy because there are many different types of life insurance policies, and each person is rated based on their own particular risk factors.

The average rating people get for a life insurance policy is "Standard". From that, you can determine the average cost for life insurance for people of different ages and genders.

Keep in mind that the average cost for life insurance for an 80 year old is going to be much different than the average cost for a 20 year old. As will the average cost for someone with diabetes or high cholesterol, as compared with someone in perfect health.

The length of the term (10, 15, 20 or 30 years), or whether the policy is a permanent life insurance policy, have a big effect on the premium, as well.

Some of the risk factors considered when developing a rate for your life insurance include your gender, age, health, family health history, occupation, lifestyle, hobbies, driving record, height-to-weight ratio, etc.

The longer you are expected to live, the lower your rate for life insurance.

Learn more about the average cost of life insurance

When To Buy Term Life Insurance?

You can buy a Term Life Insurance policy at almost any age.

It is more difficult to find Term life policies that cover children and the aged, because permanent life insurance policies are the preferred type of coverage for those age groups.

For people age 20-80, you can buy Term Life Insurance whenever the need arises. The younger you are, the less it cost you, all other things being equal.

However, the rate will vary based on the type and amount of term life insurance, and how long the term is for your policy.

The "term" of a term life policy is the period of time that the rate is guaranteed to remain the same. If you wish to continue life insurance coverage when the term ends you may be able to renew your term life policy but for a higher rate which is based on your age at the time of renewal.

The most common "term" for term life policies is 10, 15, 20 or 30 years of coverage.

You may want to buy a term life insurance policy as soon as you believe you have a need for life insurance, or even sooner, so you can lock-in the lower rate for your life insurance coverage.

Many people on a budget choose to buy term life insurance; as well as, young families and people with a life insurance need of 30 years or less.

Also, keep in mind, a term life policy may or may not be able to be converted into a permanent life insurance policy. So, if you have a need for lifetime coverage in the future, you might be able to change your term life into a permanent life insurance policy. Check on this when choosing a term life insurance company and ask if the "Option of Convertibility" is available. It may come in handy in the future as your life insurance needs change along with your financial responsibilities.

Here's how you can learn more about how term life insurance works.

Can I Have Multiple Term Life Insurance Policies?

Yes, you can have more than one life insurance policy.

The only thing the life insurance companies will care about is whether the total amount of death benefits for all of your life insurance policies combined exceed more than 20 times your annual income.

So, if you earn $100,000 per year and apply for more than $2,000,000 of life insurance, the insurance company may have an issue with this request and limit the amount of life insurance you can buy. The insurance company wants to be sure you are not over insured, giving you an incentive to commit suicide to benefit your family's income.

Suicide is usually excluded the first two years you are insured by your life insurance policy, one year in some states like Colorado.

Learn more about how many life insurance policies can you have

Does Term Life Insurance Cover Accidents?

Yes, a term life insurance policy does provide coverage for accidents.

Term life pays out a death benefit for death caused by natural causes and accidents.

So, if you die as a result of an accident, your beneficiary would receive the death benefit from your term life insurance policy, as long as:

1. The premiums were paid.

2. The term life policy was "In Force" at the time of your death.

3. No exclusions applied to the accident that caused your death.

NOTE: Some life insurance policies may apply exclusions for certain high risk activities, so if you died as a result of those excluded activities, there would not be a death benefit paid out on your life insurance policy.

I addition, there are accidental death insurance policies that provide protection only for death resulting from an accident. The rates on these insurance plans are less than regular life insurance that covered natural causes and accidental death.

In fact, you may buy up to $1,000,000 of accidental death insurance online with no medical exam and no health questions.

What is No Exam Life Insurance?

If you're shopping for life insurance coverage you may have come across no exam life insurance.

A no exam life insurance policy is life insurance that does not require you (the applicant) to take a medical examination in order to qualify for the life insurance policy.

Basically, it means that you won't have to take a medical exam, but there may be a health questionnaire for you to answer, and the insurance company will use those answers to help determine if you qualify for their no exam life insurance plan.

Disadvantages:

No exam life insurance usually costs more than life insurance that does require a medical exam, but some policies are getting more competitive.

In addition, no exam life insurance usually offers only $250,000 to less of life insurance protection.

Advantages:

There are several advantages to buying a no exam life insurance policy, including:

1. You may start your life insurance today.

2. No health exam, doctor's visit or meeting with an insurance agent.

3. No needles or blood tests.

Buying no exam life insurance online is much easier than getting a life insurance plan that requires an exam, but make sure you understand how your life insurance policy works, when you have full coverage, how long your rate is guaranteed to remain the same, and what financial rating the insurance company has from AM Best Company.

Get your free quote for no exam life insurance today and find out if you qualify for a policy.

Can Life Insurance Companies Tell If You Smoke?

Life insurance companies will ask on the application for coverage if you do smoke, in addition, they may require you to take a medical exam including a blood, urine, follicle or swab test to determine if you smoke.

If you are rerouted by the insurance company to take a blood test, urine test, or swab, the presence of nicotine will show up in all those tests.

If you have ever taken Chantix or other prescription drugs to help you quit smoking, the insurance company will see that on your pharmacy record.

If your medical records from your doctors show that you smoke or have smoked in the past, and you have a health condition that causes underwriters to order your medical records from your doctors, the life insurance company will take the word of what is written in your medical records.

If you're applying for a life insurance policy with a medical exam required, one of the items they test for in the urine test is the presence of nicotine in your system. If nicotine is present in your system, whatever risk class they approve you at will also be based on tobacco user rates. There are some life insurance companies that may offer you non-smoker rates depending on the frequency of your smoking.

Please note, even if you buy a non-medical life insurance policy and you lie on the application about your tobacco usage, saying you son;t use tobacco when you do, if you die in the first 2 years of being insured by the life insurance policy (the Contestability Period), and the insurance company discovers that you intentionally misrepresented the information on the application, they can refuse to pay out the death benefit to your life insurance policy's beneficiary and only give them the premiums that were paid into your policy.

Does Term Life Insurance End At A Certain Age?

Yes, usually term insurance policies end or expire at a certain age. The exact age depends on the particular term life policy, but age 85 is a common age for most term life plans to end. Term life insurance polices are often renewable and convertible. That means that they renew for a higher premium at the end of each term period which may be 10, 15, 20 or 30 years, for example. It also means that up to a specified age you can convert the term life policy to a level premium permanent life insurance plan that does not expire before you do. The permanent life insurance policy will provide you with lifetime coverage and not expire, as long as the premiums are paid. Here's how you can learn more about how a term life insurance policy works.

What Are The Top Rated Term Life Insurance Companies?

Are you looking for the top term life insurance company for your term life coverage?

If so, there are hundreds of term life insurance companies in the U.S.A. that offer term life plans for 10, 15, 20 or 30 years of coverage.

Among the most popular term life carriers are names you may already know, including Prudential, Met Life, State Farm, and New York Life.

But which are the top term life companies? Well, there is a list issued each year by the III.org (Insurance Information Institute) which shows the top term life insurance companies based on the total number of individual term life insurance policies issued for the previous year.

However, there are several ways to rate a life insurance company, for instance you may want to look at their financial stability based on the financial strength rating of the insurer as issued by AM Best Company, an independent rating agency.

Also, you can look at the insurer's total assets or customer satisfaction.

However you compare term life companies make sure to request and compare multiple term life insurance rate quotes from a network of insurers to help you find the most affordable carrier. Online life insurance quotes will not only show you the lowest term life rates, but also the financial strength ratings of the insurers quoted.

Can A 70 Year Old Get Term Life Insurance?

Yes, a 70 year old may purchase life insurance coverage.

However, the cost and or approval for coverage, as well as the amount of life insurance available, will depend on the life insurance company, as well as, your own personal risk factors.

Your health will play a big role in determining if you qualify for life insurance at age 70. Also, your height-to-weight ratio, lifestyle, tobacco use, driving record and hobbies will impact your rate for coverage.

There are several well-known providers of senior life insurance coverage including Colonial Penn, Globe Life, Mutual of Omaha, and AARP/New York Life, among others.

When comparing over 70 life insurance plans make sure you find out the following:

1. How long will the term life insurance coverage least?

2. How long is the rate guaranteed to remain the same?

3. Does the amount of life insurance remain level, and for how many years?

4. Do you have full coverage from the start of your life insurance policy?

5. Is the death benefit graded over the first 2-3 years you are insured?

6. How long does it take to get approved and start your life insurance?

7. What is excluded by the life insurance policy - death in the first 2 years? Suicide?

8. Can you convert your term life insurance to permanent life insurance?

9. Can you renew your term life policy when your term expires? If so, what will the renewal premium be?

Here's how you can get your free quote for life insurance for people age 70 and over.

Who Can You Insure for Life Insurance?

Who can you buy a life insurance policy on? You can buy life insurance on anyone that you have an insurable interest in, including but not limited to your spouse, family member, or business partner. Insurable interest is required by the life insurance companies in order to buy life insurance on another person. Basically, insurable interest in another person means you rely on someone for financial support, or that you may suffer financially if the other person were to die. For example, many people buy life insurance eon the parents who are seniors in order to have the money to pay for their parent's funeral and burial costs. In additino, to insurable interest, you will need the other person's permission, signature on the application, and the other person may need to answer some health questions. Learn more about who can you insure for life insurance?

How Many Life Insurance Policies Can You Have?

I was wondering if a person can have more than one life insurance policy? Actually, yes, you can own more than one life insurance plan. Life insurance companies understand that over time your need for life insurance may change as your financial responsibilities increase during your lifetime. With the increase in financial responsibility comes a greater need for life insurance coverage. For instance, if you get married or start a family your need for life insurance will be greater and thus the need for another life insurance policy. However, when you apply for life insurance the application asks about other life insurance policies you own, and how much life insurance you already have In Force. The insurers ask this questions to make sure you aren't over insured. A life insurance company will usually let you buy up to 10-20 times your annual income in life insurance. So, if you earn $100,000 per year, you might be able to qualify to buy up to $2,000,000 of life insurance protection. Learn more about How many life insurance policies can you have?

Can Life Insurance Check Medical Records?

When you apply for life insurance, you are asked to sign a medical release form. A medical release form allows your doctor to release medical records to the life insurance insurance company. It also provides a release to use the MIB (Medical Information Bureau). The MIB is where insurance companies keep basic information about people's health records when people apply for insurance. The insurance company's can access information to find out if you have been declined for life insurance previously due to health issues or any other reasons. However, if you do not want to take a medical exam there are no exam life insurance plans that offer you the option of buying a life insurance policy direct online without having to take any health examination. And, if you are approved, you may be able to start your life insurance coverage today.

How Do I Get Life Insurance On My Husband?

In order to get life insurance on your husband you need Insurable Interest in your husband and his permission to buy a life insurance policy on him. Insurable Interest is required by the insurer. Insurable Interest means you either rely on him for financial support, or that you would suffer financially if your husband were to die. In addition, to his permission, you may need him to sign the application for life insurance, and answer some health questions. He may even need to take a medical exam to find out if he qualifies for a life insurance policy. Learn how you can get life insurance today online with your husband's approval.

What is Term Life Insurance?

Term life insurance is a type of life insurance policy that provides protection for a set period of years.

Term life is temporary life insurance usually with guaranteed level rates for a term of 10, 15, 20 or 30 years.

Some term life policies provide life insurance up to age 65, 70 or later, but the rate remains level only for the duration of your term.

If you outlive the term of your policy, the life insurance coverage expires. However, you can choose to renew your term life policy for a rate that increases annually. Or, you may be able to renew your term life insurance for another 10 year term depending on your policy.

If you pass away during the term of your policy the death benefit is paid to your beneficiary, subject to any exclusions in your life insurance policy.

The death benefit is usually paid free from any federal income taxes.

Your beneficiary may use the proceeds from your life insurance for any purpose.

Term life insurance is the cheapest life insurance which means you can afford to buy the most life insurance for your money.

The longer your term the higher your rate, so a 20 year term life policy will have a higher rate than a 10 or 15 years term policy.

Also, the higher the amount of life insurance, the higher your rate.

The cost of your term life insurance will depend on the insurance company, the type and amount of coverage, the length of term, and your own personal risk factors, which may include your age, gender, health, family health history, lifestyle, tobacco use, driving record, height-to-weight ratio, occupation, hobbies, etc.

Welcome to Life Insurance Plans Online

Life Insurance Plans Online is a blog about all types of life insurance coverage to help you better understand your options and learn about life insurance.

We will be providing helpful tips, articles, reviews, and checklists to assist you in finding affordable life insurance coverage.

To start, please visit lifehappens.org to watch videos and learn about all types of insurance plans. Lifehappens is a helpful insurance resource for all consumers who want to learn about their insurance needs, what different types of insurance plans are available and how insurance works.