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.