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.
Tuesday, September 30, 2014
Sunday, September 28, 2014
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.
Saturday, September 27, 2014
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.
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.
Thursday, September 25, 2014
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
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
Monday, September 22, 2014
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.
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.
Friday, September 19, 2014
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.
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.
Tuesday, September 16, 2014
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.
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.
Saturday, September 13, 2014
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.
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.
Wednesday, September 10, 2014
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.
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.
Monday, September 8, 2014
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.
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.
Saturday, September 6, 2014
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.
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.
Thursday, September 4, 2014
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.
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.
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