What Life Insurance is Cheapest?

How do I find the cheapest life insurance policy?

The lowest priced life insurance policy is term life insurance because it is temporary coverage, compared to permanent life insurance which provides guaranteed lifetime protection, as long as you pay your premiums on time.

Usually, term life policies may be available for a period of 10, 15, 20 or 30 years. The shorter your term (duration of coverage), the lower your premium (cost) for coverage.

In addiiton, the lower the amount of life insurance you need, the lower your annual cost of insurance.

Also, since life insurance rates increase with age, someone who is young and healthy will qualify for a lower premium compared to someone who is older and has health problems.

So, that means if you need life insurance you should buy coverage while you are young and healthy to lock-in a lower premium and be guaranteed coverage in the future, when you need it most.

Here's how to learn more about What Life Insurance is Cheapest?

Who Does Life Insurance Cover?

Life insurance is a written contract between the insurance company and the life insurance policy owner.

The owner of the policy agrees to pay premiums to the insurance carrier in return for the carrier paying out a death benefit upon the death of the insured person, subject to the terms and conditions of the life insurance policy.

Life insurance covers the insured person, which is the person named as insured on the life insurance policy.  ​

If the insured person dies there is a death benefit paid out to the beneficiary of the policy, subject to the terms and conditions of the life insurance policy.

Find out more about "Who does life insurance cover?"

Burial Insurance with COPD?

Is there burial insurance for people living with COPD?

Yes, in fact, there are burial insurance plans available with guaranteed approval.

One highly-rated insurer offers guaranteed burial insurance for people ages 45-85 regardless of your health.

There's no health exam required and you won't have to answer any questions about your health.

You may choose from $3,000 up to $25,000 of coverage. And, there's a 60 day money-back guarantee.

Learn more about how to get Burial Insurance with COPD.

Can I Buy Life Insurance at Age 75?

Yes, a 75 year old may qualify to purchase life insurance coverage.

There are term life policies which offer temporary coverage for a period of 10 years or less for 75 year olds.

There are also permanent life insurance policies which will cost more and provide guaranteed lifetime coverage.

In addiiton, there are guaranteed issue permanent life insurance policies that accept anyone who meets the age requirements which may be ages 45 to 85.

Guaranteed issue policies do not require any health exam and do not ask any questions about your health.

Learn more about buying life insurance at age 75.

Can I Buy Life Insurance without an Agent?

Is it possible for me to purchase a life insurance policy if I don't have an agent?

Yes, in fact, there are life insurance carriers that offer you the option to buy your life insurance policy direct from the insurer over the internet.

Buy choosing to purchase life insurance direct online you may save time and get insured right away if you qualify for coverage, some carriers offer same day protection.

One highly-rated life insurance carrier offers the option to buy your policy online (safe and secure) and start your life insurance today, with a 30 day risk free, money-back guarantee.

If you don't want to sit through a high pressure sales pitch from an agent in your home, or you just like the idea of getting your life insurance the quick and easy way, choosing to purchase life insurance direct from the carrier may be a good option.

Learn more about how to buy life insurance without an agent.

Should I Buy Life Insurance from Work?

I have life insurance available through my employer, should I take the coverage?

Yes, if it's fully paid for by your employer, take the life insurance - this is usually referred to as basic life insurance - an amount which is usually 1 to 2 times your annual salary, and fully paid for by the employer.

They may also offer supplemental life insurance which you pay for, and you select how much coverage you add to your employer provided plan.

However, keep in mind, this coverage does not follow you if you leave your employer, or get fired.

You may want to consider your own, individual life insurance policy you purchase outside of your work provided plan.

That way, if you leave your current employer for any reason, you still have life insurance.

Learn more about "Should I Buy Life Insurance from Work?"

Short Term Life Insurance Quotes

Are you shopping for affordable short term life insurance coverage?

If so, you may want to request and compare free quotes online from a quote provider.

Short term life insurance is temporary coverage lasting for a period form 6 months to 5 years, usually.

Many people choose short term coverage if they have lost their job (and benefits), have changed jobs, or are without life insurance but have a temporary need to protect short term debt; such as, a car loan.

Here's how to get short term life insurance quotes online and compare the most affordable pricing from among 40 of the leading life insurance carriers in America.

Can I Buy Life Insurance Online?

Is it possible for someone to purchase their life insurance policy over the internet?

Yes, in fact, many life insurers now offer the option to consumers to apply for a policy online. And, more than 25% of people surveyed say they would rather but their life insurance over the internet.

Today, it's quicker, easier and safer than ever before to get insured over the internet.

Now you can apply online and find out within minutes of you qualify for a policy. And, if approved, you may start your life insurance protection today.

There's even an "A++" rated insurer that offers up to $1,000,000 of same day coverage for healthy, qualified individuals.

To learn more, please read this article - Can I Buy Life Insurance Online?

Shopping for Long Term Life Insurance

What is long term life insurance?

It's a type of life insurance policy providing temporary coverage for a longer duration than other shorter term plans.

Usually, a long term policy would last for a period from 15 years up to 30 years.

Long term plans may have level premiums that stay the same each year which makes it easy to budget for your life insurance coverage.

With long term level life insurance the amount of coverage provided by your policy remains level for the entire duration of your policy term.

Many people choose long term coverage to provide protection for a home loan or until the kids are grown and on their own.

Here's how you can learn more and compare instant long term life insurance quotes online today.

Life Insurance Quote Definition

What is the definition of a life insurance quote?

A life insurance quote is an estimate of how much it will cost you per month (or annually) to purchase life insurance coverage.

The quote is based on the information you provide when requesting a quote for life insurance.

You can compare quotes by visiting a life insurance website and filling out a quote request form which only takes a minute.

Life insurance quote comparison are free of charge and there is no obligation to buy.

You can compare instant pricing on life insurance for terms of 10, 15, 20, 25 or 30 years and for coverage amounts from $25,000 up to $2,000,000 or more.

Learn more about the definition of life insurance quote and how you can compare quotes online today.

Life Insurance Mortgage Quotes

Are you in the market to buy a new home or refinance your home loan?

If so, you may want to comparison shop for the best prices around for mortgage life insurance protection.

That way, you can get affordable coverage and make sure your loved ones can remain in the home they shared with you, should you pass away before the mortgage loan is full paid off.

Remember, you'll want to choose a term (duration) of coverage that matches the length of your mortgage loan.

And, select an amount of life insurance that meets that amount of your outstanding mortgage loan.

Comparing multiple quotes for mortgage life insurance may help save you up to hundreds of dollars per year on your policy.

Here's how to get your life insurance mortgage quote online today and find affordable protection for your home and family.

Life Insurance Quick Quote

How can I get a quick quote for life insurance coverage?

It's actually easier than you might expect to request and receive your instant quotes for life insurance.

You just visit a life insurance website that offers quote comparisons for life insurance.

Then, you answer some questions asked on the quote request form, click on a button, and instantly receive your price quotes.

Quotes for life insurance are free, and you receive a comparison of the best prices available based on the information you provide for your quotes.

Remember, these quick quotes are estimates, they are not guaranteed, because you may be required to take a physical exam in order to verify your health and find out if you qualify for coverage.

Here's how you can compare life insurance quick quotes online today with no obligation.

Should I Buy Whole Life Insurance or Term Life Insurance?

When it comes to selecting the which type of life insurance to buy you'll want to ask yourself this question - How long do I need my life insurance to last?

If the answer os for a period longer than thirty years, then a whole (permanent) life insurance policy can help.

However, if you need your life insurance protection to last for a period of 30 years or less, then term life insurance offers you the most affordable protection.

Whole life insurance lasts for your entire lifetime and may build up some cash value inside your policy over the years from which you may take a loan if needed.

Whereas, term insurance offers coverage for a period of 10, 15, 20 or 30 years to meet your specific life insurance needs, so you aren't paying for life insurance you do not need.

Term life is pure protection, not an investment, so it costs a lot less than whole life insurance.

Here's how to learn more about the question - Should I Buy Whole Life Insurance or Term Life Insurance?

Where Can I Buy Life Insurance on My Parents?

Are you looking to purchase life insurance policies on your parents?

If so, you're not alone. In fact many people today choose to insure their parents for life insurance to help cover the cost of their final expenses, among other reasons.

However, there are some things you should know first before buying a policy.

You'll need "Insurable Interest" in your parents in order to buy life insurance on someone else. Insurable interest does exist between adult children and their parents.

Also, you may need your parent's signature on the application for coverage, but this requirement may vary by insurance carrier.

And, if you are finding it difficult to get life insurance for your parents due to health issues, there are even "guaranteed acceptance" life insurance policies available which means your parents cannot be turned down for coverage.

To learn more, read this article: Where can I buy life insurance on my parents?

Burial Insurance for Cancer Patients?

Can a cancer patient or cancer survivor get burial insurance coverage?

Burial insurance is usually a "Guaranteed "Issue" insurance policy which means you cannot be denied coverage if you meet the age requirements.

So, a cancer patient can get burial insurance.

However, the amount of coverage is usually limited to $25,000 or less, and you must meet the age requirements which may be 45-75, 40-80, or 45-85.

In addition, guaranteed issue plans usually have graded death benefits the first two years you are insured, which means you won't have full coverage until you have been insured by your policy for 2 years.

Here's how to learn more about burial insurance for cancer patients.

Life Insurance with a Pre-Existing Condition?

Can someone with a pre-existing health condition get insured for life insurance?

Yes, there are life insurance carriers that may offer fully underwritten life insurance policies requiring a medical exam for people with a health condition.

In addition, there are guaranteed approval life insurance policies that may be available for people ages 45-85.

Guaranteed plans guarantee your acceptance for coverage with no health exam required and no questions asked about your health.

Learn more about how to buy life insurance with a pre-existing condition.

No Questions Asked Life Insurance

Is there life insurance you can buy without answering any questions about your health?

Yes, there are plans with no exams and no health questions asked

These policies are called "guaranteed issue" life insurance plans and anyone who meets the age limitations will be approved for coverage regardless of their health.

Some insurers offer guaranteed approval with no health questions for people ages 45 to 85.

However, in order to insure people with health problems the policy has limited death benefits the first two years you are insured.

Learn more about how to buy no questions asked life insurance coverage.

What is Term Life Insurance Quotes?

What are term life quotes and how do they work?

A "Quote" for term insurance is the estimated cost of a term life insurance policy base don the information you provide when requesting your quote.

To get a term life quote you can visit a life insurance website and answer some basic questions to instantly receive the lowest prices on your life insurance form several highly-rated insurance companies.

The quote is only an estimate of your life insurance cost, not a guaranteed rate.

Make sure you answer all questions truthfully to get an accurate quote for your term insurance coverage.

Quotes are free and you can compare pricing for different amounts of coverage and different "term" lengths from 10, 15, 20 or 30 years of coverage.

Learn more about what is term life insurance quotes and how they work.

Life Insurance for People with Breast Cancer?

Is there life insurance available for someone who has breast cancer or is a breast cancer survivor?

Yes, some insurance carriers offer life insurance to people living with breast cancer.

However, it's easier and more affordable for breast cancer survivors to get life insurance.

If you currently have breast cancer, your approval and cost for life insurance will depend on the type of cancer, your age, overall health, treatment and prognosis, among other things.

Some insurers are more experienced with insuring people with breast cancer, since this is a common health issue in society today.

Here's how to learn more about life insurance for breast cancer and compare pricing online.

Why Buy Supplemental Life Insurance?

Supplemental life insurance is usually an option of life insurance coverage available through your employer provided benefit program.

Usually, you employer would provide a basic amount of life insurance (up to 1-2 times your annual salary) at no cost to the employee.

However, this amount of life insurance protection may jot be enough to adequately protect your family.

In that case, you may want to add supplemental life insurance to your employer provided plan, which would mean you would pay the added cost for the supplemental coverage.

Or, you could purchase an individual life insurance policy outside of work, which you keep should you ever leave your current employer.

Learn more about "Why to buy supplemental life insurance?"

Where Can I Buy Cheap Life Insurance?

If you're looking to get affordable life insurance to fit your budget you may want to consider a few tips for saving money on life insurance.

First, use an online life insurance broker with access to a large network of leading insurers to help you comparison shop for the best rate in just minutes.

Make sure you compare term life versus permanent life insurance and you'll find that term life insurance costs a lot less if you need life insurance protection for a period of 30 years or less.

Also, use a life insurance needs calculator to help you determine just how much life insurance you need, so you are properly covered but you aren't paying for more life insurance than necessary given your situation.

To learn more, read this article that explains Where Can I Buy Cheap Life Insurance?

How is Life Insurance So Cheap?

How is it possible that life insurance is available at such low prices?

Well, the answer is simple - there are two different basic types of life insurance: Term and Permanent.

Term is temporary and costs a lot less than permanent life insurance.

That's why so many people over-estimate the cost of life insurance by up to 2 to 3 times more than it actually costs.

Term insurance offers coverage for up to 30 years, but you may choose form 10, 15, 20 or 30 years of protection.

The shorter your duration of life insurance protection, the lower your annual cost of coverage.

Once you understand how the different types of life insurance work, it's easy to see how you can get really affordable life insurance protection.

Learn more about How is Life Insurance So Cheap?

Can Smokers Get Life Insurance?

Yes, people who smoke may qualify for life insurance coverage.

Whether you smoke cigarettes, cigars, pipes, e-cigs, chew tobacco, or smoke marijuana, you may be able to qualify for affordable life insurance plans.

Although there are some insurers that offer more lenient rates on smoker's life insurance, your cost of coverage will generally depend on what you smoke, how often you smoke and how much you smoke.

In addition, your health will impact your rate for coverage, as smokers may have shorter life expectancies since they are susceptible to emphysema, COPD and lung cancer.

Due to the above mentioned risks, regular smokers will likely pay up to 2-3 times more than non-smokers for the same amount and type of life insurance.

Learn more about Can smokers get life insurance protection?

Will Life Insurance Cover Accidental Death?

Yes, standard life insurance policies usually cover accidental death.

Unless there is a specific exclusion stated in your policy, death resulting from an accident should be covered.

Normally, life insurance provides coverage for death by natural causes and accidents.

However, if you regularly take part in high risk activities, or you have a high risk job, the insurance company may apply an exclusion to your policy for death resulting from these activities - so review your coverage closely and understand all exclusions to your policy.

Keep in mind, life insurance does not cover intentional acts such as suicide. Normally, there is a two year suicide exclusion (one year in some states).

Learn more about "Does life insurance cover accidental death?"

What is Life Insurance and How Much Should I Get?

If you're starting your search for life insurance you may be wondering how it works and how much coverage you need.

These are two important questions to ask before shopping for your plan.

First, life insurance is a contract between the insurance company and the owner of a life insurance policy.

The policy owner pays the insurer premiums in return for the insurer promising to pay out a death benefit upon the passing of the person insured by the life insurance policy - subject to the terms and exclusions listed in the life insurance policy contract.

Determining the right amount of life insurance to purchase will depend on your personal situation, goals, budget, assets, debt, savings and your financial responsibilities including who relies on you for financial support and how much support you provide.

It's usually a good idea to use a life insurance needs calculator to assist you in figuring out how much life insurance to get.

Here's how you can learn more about What is life insurance and how much should I get?

Does Life Insurance Pay for Funerals?

Does a life insurance policy pay for the cost of a funeral?

Actually, it can be used to pay for funeral expenses, but the beneficiary of a life insurance policy can choose to use the money any way they wish.

So, you may instruct your beneficiary to use a portion of the proceeds from your life insurance policy to pay for the cost of your final expenses including your funeral and burial.

Many people use a life insurance policy death benefit to pay for the funeral of the insured person.

There are even guaranteed issue funeral insurance plans available for seniors and those with health issues who may be unable to get insured for life insurance.

Learn more about Does life insurance pay for funerals?

How Long are Term Life Insurance Policies?

Term life insurance policies are temporary life insurance plans lasting for a specific period of time.

Usually, term life offers you life insurance that will last for up to 30 years.

Many life insurers offer term life with options for a duration of 10, 15, 20 or 30 years.

If you decide after buying your policy that you need coverage for a longer duration you may request a renewal of your existing policy when it expires.

Renewable term life allows you to renew your policy for another term of up to 10 years, usually. Your renewal premium will be based on your age at time of renewal.

You can learn more by reading about How long are term life insurance policies?

What is Guaranteed Acceptance Whole Life Insurance?

Whole life insurance is life insurance protection that lasts your entire life.

Guaranteed acceptance life insurance is a type of life insurance policy that guarantees your approval for coverage. Which means you cannot be turned down for coverage due to any health reason.

Many people who are seniors, have health issues, or have been denied life insurance look to a guaranteed acceptance whole life insurance policy to help them get the protection they need.

With guaranteed plans you may select up to $25,000 of life insurance from some insurers.

However, guaranteed life insurance usually has limited death benefits the first 2 years you are insured, and after two years, you have full coverage.

That's how they can guarantee your approval for life insurance if you meet the age requirements.

Some carriers offer guaranteed approval for people age 45-75, or those ages 45-85.

Here's how to learn more about guaranteed acceptance whole life insurance coverage.

What are Life Insurance Quotes?

If you're shopping for affordable life insurance coverage you may want to compare price quotes for life insurance.

But what are life insurance quotes and how do they work?

"Life insurance quotes" are an estimate of how much your life insurance protection will cost.

You can compare price quotes from multiple life insurers by visiting a life insurance website with access to a large network of insurance companies and filling out a quote request form.

Your price quote for life insurance will provide you with the cost of coverage for a specific type and amount of life insurance for someone your age, gender and health.

Life insurance price quotes give you an indication of cost for life insurance so you can comparison shop for affordable coverage among several life insurers to help you find the most affordable policy.

Learn more about life insurance price quotes and how they work.

When Do Life Insurance Rates Go Up?

Do life insurance rates increase?

The cost of a life insurance policy increases with your age. That's why it is important to buy a policy while you are young and healthy to lock-in a low rate for your coverage.

Once you have life insurance protection, your rate usually remains the same for the life of your policy if you have permanent life insurance.

If you have a term life insurance plan your rate remains the same each year for the life of your term, usually from 10 to 30 years.

However, some term life policies offer coverage up to age 70, but your rate is level for the first 20 years you are insured.

There may be some other variations of rate change for term life policies depending on the type of plan offered by various insurers.

Here's how to learn more about when do life insurance rates go up?

Considerations When Buying a Life Insurance Plan

What things should I consider when buying a life insurance policy?

When shopping for life insurance coverage you'll want to make sure you understand how life insurance works and the difference between permanent and term life insurance plans.

Second, make sure you know how much life insurance coverage you really need and what goal you want your life insurance to accomplish.

Then, determine your budget and comparison shop for the most affordable policy from a highly-rated, financially secure insurance company.

Consider who you want to be beneficiary of your life insurance. The beneficiary or beneficiaries are the people who would receive the death benefits from your policy upon your passing.

Here's some more important considerations when buying life insurance protection.

Where to Buy Life Insurance without Medical Questions?

Where can I purchase a life insurance plan without having to answer any questions about my health?

If you want no medical question life insurance there are several insurers that offer "guaranteed issue" life insurance policies.

Guaranteed issue plans offer guaranteed approval with no health exam required and no health questions asked.

And, you cannot be denied coverage due to your health, but you must meet the age restrictions for approval.

Some guaranteed plans offer guaranteed acceptance for people ages 45-75 or even ages 45-85.

However, there are graded death benefits the first two years you are insured, which means limited death benefits for two years, then full coverage after that time period.

Find out where to buy life insurance without medical questions.

When Buying Life Insurance It Is Smart To ...

When purchasing a life insurance policy it is smart to consider the following key issues in order to assist you in finding the best life insurance to meet your specific goals and budget:

1. Understand how life insurance works.
2. Review the two basic types of life insurance available.
3. Decide how much you can afford to pay for life insurance.
4. Determine how much life insurance you need.
5. Consider who you should select as beneficiaries to your life insurance policy.

Here's a helpful article that reviews the topic "When Buying Life Insurance It Is Smart To".

How are Life Insurance Premiums Determined?

How do life insurance carriers determine how much they charge you in premiums for your life insurance policy?

When it comes to premiums for life insurance, insurers use the information they develop to determine your life expectancy - how long you are expected to live, and keep paying premiums for your life insurance.

There are several factors that insurers consider, including your age, gender, health, tip and amount of life insurance.

In addiiton, other important risk factors include your lifestyle, tobacco use, driving record, family health history, occupation, hobbies, etc.

The insurer uses your health information to select your health rating or classification and apply a specific rate per $1,000 of life insurance coverage to develop the premium you pay for your life insurance policy.

Learn more about how life insurance premiums are determined.

How Does Guaranteed Renewable Term Life Insurance Work?

What is guaranteed renewable term life insurance and how does it work?

Term life insurance is temporary coverage for a set period of time of up to 30 years.

The "term" of your life insurance is the number of years you have life insurance protection.

Usually, you may have the option of choosing a term of 10, 15, 20 or 30 years for term insurance.

"Guaranteed Renewable" means you may choose to renew your original term policy for another "term" of up to 10 years when you first life insurance term ends. And, you won't have to take a physical exam to qualify for the renewal of your life insurance policy.

Learn more about how a guaranteed renewable term life insurance policy works.

When Do Life Insurance Rates Go Up?

When life insurance rates increase will depend on the type of life insurance policy you buy.

With permanent life insurance your rate remains the same for the entire life of your policy, which means for your lifetime.

With term life insurance it depends on the type of policy you purchase.

Level term life insurance has level rates that remain the same for the duration of your policy term - 10, 15, 20, 25 or 30 years.

Annually renewable term life insurance provides life insurance for a term of one year, which you can renew each year, but your renewal policy is based on your age at renewal, so the premium increases each year you continue your life insurance policy.

There are also "term to 70" life insurance policies that have level premiums the first 20 years you are insured, then the rate increases each year until you reach age 70.

How Life Insurance Helps

How can a life insurance policy help you?

There are many benefits or ways that life insurance can help you and your loved ones.

Depending on the type of life insurance you buy, you may have cash that builds in your policy over time from which you may take a loan.

In addition, the proceeds or death benefit paid out to your beneficiaries can be used by them for any purpose.

So, the proceeds of your life insurance can help to pay for your family's living expenses, replace your income, pay off the mortgage loan, pay off credit card debt, pay for your child's college education, provide for your spouse's retirement, and allow your loved ones to maintain the lifestyle they enjoyed while you were alive and providing for them.

Life insurance can help to guarantee your family's future is financially secure should you pass away unexpectedly.

What are Life Insurance Rates?

A rate for life insurance is the price you pay per $1,000 of life insurance coverage.

Your rate is based on several factors including the type of life insurance, the duration of your coverage, your age, gender and health.

People who are young and healthy pay a lower rate than people who are older and not in good health because the younger person is expected to live longer, and keep paying their premiums for a longer period of time.

In addition several; risk factors will affect the rate charged for your life insurance including your lifestyle, family health history, driving record, tobacco use, occupation and hobbies, height-to-weight ratio, etc. These all g into helping the insurer determine your life expectancy.

The longer your life expectancy, the lower your rate for life insurance.

Here's how you can compare instant life insurance rates from several of the best insurance companies.

What to do When the Life Insurance Policy Holder Dies?

If the insured person of a life insurance policy dies, the beneficiary should contact the life insurance company to make a claim on any life insurance policy that insured the person who passed away.

When you purchase life insurance you should keep your policy in a safe, fireproof location. And, let your beneficiary know you have life insurance, where the policy is located, and how to make a claim should you pass away.

When the beneficiary contacts the insurer the beneficiary will be advised the insurer will send some paperwork to the beneficiary which needs to be completed. In addition, the beneficiary will need to mail to the insurer an original death certificate of the insured person.

Upon receiving the necessary paperwork, the insurer will review the information and determine if the life insurance policy was "In Force" and the cause of death of the insured was covered by the policy.

Once the insurer approves payment of the claim, a check will be mailed to the beneficiary.

Have You Been Turned Down for Life Insurance?

I was turned down for life insurance due to my chronic health problems. Does this mean I can't get life insurance?

Not necessarily. Each life insurance company has its own underwriting requirements for acceptance, so some other life insurance company might insure someone with your health issues.

So you want to apply for life insurance with a different company, or try going through a life insurance broker that specializes in placing high risk life insurance policies for people with health issues. The insurance broker might know more about which life insurance companies might be the best match for someone with your individual health problems.

Also, it's a good idea to check with your employer. Some employers offer life insurance plans (say $25,000 or $50,000) to their employees without requiring employees to answer health questions or take any exams.

Have you been turned down for life insurance? Learn more about life insurance for people turned down for life insurance.

What is a Good Company for Life Insurance?

I saw online that MetLife and Prudential are good insurers for life insurance, but don't know of any more.

I have a whole life insurance policy but recently decided that may not be the best considering I am 30 with an 10 year old son that would need to be taken care of if something were to happen to me so I need to get more for my money.

So I am choosing term life insurance. But I need a good company to go with for my term life policy.

There are hundreds of good life insurance companies in the U.S. However, when choosing a life insurance carrier make sure you consider what your goal for the life insurance is, what you want your life insurance to accomplish.

Then, consider the type and amount of life insurance you need, for how many years, and what you can afford to pay for your coverage.

Also, review the AM Best financial strength ratings of the insurance companies you consider. The financial strength rating is an indication of the insurer's ability to meet their financial obligations and pay their claims.

One way to review pricing and ratings of life insurers is to request free life insurance quotes online from a life insurance quote provider with access to a large network of highly-rated life insurance carriers. That way, you can find out which of the leading insurers may offer the most affordable prices.

Best Life Insurance for Young Adults?

What is the best life insurance for young adults?

That depends on your own personal situation, needs and goals.

If you are looking for protection that will last your entire lifetime, then a permanent life insurance plan may be good.

However, if you need financial security guaranteed for a period of 30 years or less, then a term life insurance policy may work.

Term life is good because it costs a lot less per year compared to permanent insurance, it's flexible offering coverage for a duration of 10, 15, 20 or 30 years, and it's easy to understand.

Learn more about finding the best young adult life insurance policy to meet your needs and fit your personal budget.

Is there Life Insurance for People over 80 years old?

Can you get life insurance if you are over age 80?

Yes, there are some life insurance plans available for people age 80 and over.

In fact, one highly-rated insurer offers "guaranteed issue" plans for people ages 45 to 85.

It is likely a guaranteed issue policy may be the only type of life insurance available for some people over age 80.

With guaranteed life insurance you can apply for coverage and there's no health examination required.

In addition, you won't have to answer any questions about the condition of your health.

So, even if you have health issues you can get insured over age 80.

Learn more about life insurance for people over 80 and how you can get a free quote today.

What is No Doctor Life Insurance?

If you are shopping for life insurance you may be wondering about the medical examination required to get insured.

For instance, is an exam required, and will you have to take one to get insured? And, what is involved in the exam? Who pays for the exam?

Well, if you are buying more than $25,000 of life insurance, then you may need to take an exam, as the insurer will usually require an exam.

The exam is paid for by the insurer and involves a paramed coming to your home, asking some questions about your health, checking your blood pressure and drawing some blood which is sent to a lab for testing.

However, there are life insurance policies that do not require you to take any health examination.

And, you may apply for coverage online (safe and secure) and start your life insurance today, if you qualify.

These plans are referred to as "life insurance no doctor exams" because they do not require you to visit a doctor or take an exam.

Buying a Life Insurance Policy Online

Can you purchase life insurance coverage over the internet?

Yes, life insurers now offer online coverage.

How much can I buy over the internet?

It depends on the insurer but you may be able to purchase up to $1,000,000 or more.

How long does it take to get insured?

Some insurers offer same day coverage which means you apply online and find out right away if you qualify. Once approved, you may begin your policy.

Do I have to take a physical examination?

It depends on your age, health and the insurance carrier requirements for acceptance. But some insurers offer no exam life insurance policies.

Learn about buying a life insurance policy online today.

No Physical Term Life Insurance

Can you get a term life policy without taking any physical exams?

Yes, in fact, several insurers now offer quick issue term life policies online with no exam needed.

How much life insurance can you buy without a physical?

Some insurers offer up to $250,000 of life insurance with no exam, while one offers up to $1,000,000.

Can I buy no physical term insurance from more than one insurer?

Yes, if you qualify for coverage.

How long does it take to get insured without a physical?

You may apply online with some carriers which takes about 15 to 20 minutes. One insurer even gives approval in as little as 1 minute after you complete the online application

Here's how to get no physical term life insurance coverage online.

Apply Online for Life Insurance

Is it possible to apply online and purchase life insurance coverage direct from the insurance company?

Yes, there are several life insurers that offer consumers the option to apply online and purchase a policy today.

Usually, these plans are available for people who are healthy and under age 65.

The process is safe and secure, and it may only take you about 15 minutes to complete the online application process.

Once you have completed the application online you may find out within minutes if you qualify for coverage.

Once approved, you select a payment option, pay your first month's premium and start your life insurance plan.

Remember, these policies may come with a 30 day money-back guarantee in case you are not satisfied with your life insurance policy.

Here's how to apply online for life insurance coverage today.

Best Life Insurance Company Ratings?

What are company ratings for life insurers?

Life insurance ratings are referred to as "financial strength ratings" which are an indication of the insurer's ability to pay their claims and meet their financial obligations.

There are several independent rating agencies that review the financial statements of insurers and issue financial ratings.

Some of the leading rating agencies are A.M. Best Company, Moody's and Standard & Poor's, among others.

The higher an insurer's rating, the more secure the insurance carrier. The highest rating offered by AM Best is "A++" Superior.

Learn more about the best life insurance companies ratings.

What is the Cheapest Life Insurance?

If you're looking for the lowest priced life insurance policy you'll want to consider term insurance.

Term insurance is temporary life insurance lasting for a duration of 30 years or less.

The "term" is the period of time you have the life insurance protection.

You may be able to select a "term" of 10, 15, 20, 25 or 30 years.

The shorter the term (duration) of your policy, the lower your cost per $1,000 of life insurance protection.

So, the annual premium for a 5 year term life policy would be cheaper than the annual cost of a 10 or 15 year term policy.

Here's how to learn more about finding life insurance cheapest coverage.

Life Insurance Made Easy

What is the easiest way to get an affordable life insurance policy?

The easiest approach to purchasing life insurance is to shop, apply and buy your policy over the internet.

Today, a consumer like you may qualify to purchase up to $1,000,000 of affordable life insurance protection within the hour.

That's right. In fact, one A++ rated life insurer offers you a way to apply for your policy online in about 15 minutes. And, find out in as little as 10 seconds (after applying) if you qualify for coverage.

So, you may actually be able to start your life insurance coverage in less than one hour.

There's no need to meet with an agent, no long mailing delays, no hassles with medical exams.

Learn more about the easy method to buy life insurance.

Term Life Insurance for Family

Can I get affordable term life insurance for my family?

Yes, in fact, term life insurance is the most popular type of life insurance to get in order to provide affordable protection for your family.

Many families have term life insurance for a duration of 15, 20 or 30 years to provide financial security for the spouses and children until your kids are grown up and on their own, and the mortgage is paid off.

With term life insurance you can purchase individual policies for the parents and add the children on to your policy by addition of a "rider".

Or, you may purchase life insurance eon the main breadwinner of the family and add the spouse and children to your policy by addition of a "rider" which adds coverage for additional members of the family.

Term life insurance is flexible, easy-to-understand and offers the most life insurance for your money.

Learn more about family term life insurance policies.

What is a Funeral Insurance Policy?

A “Funeral Insurance Policy” usually refers to a whole life insurance policy with a death benefit of from $2,500 to $25,000.

As the name implies, people buy this type of insurance policy to provide money for funeral and burial costs for themselves and/or their family members.

The average cost of a funeral including burial and final expenses may exceed $7,000.

What's Good about a Term Life Insurance Plan?

Where are several good reasons to buy a term life insurance policy.

Term life insurance is affordable, flexible and easy to understand.

With term life you get the most life insurance for your money - it costs 2-3 times less than a permanent life insurance policy.

Term life is flexible meaning you choose how long you have life insurance, so you barren;t paying a higher rate (permanent insurance) for coverage you may not need in the future.

And, term life is easy - you pay premiums each month (or year) for the length of time you have term insurance, and your beneficiary receives a death benefit if you die during the term of your policy.

If you are alive when your term insurance policy ends, there is no payout, your coverage expires.

Here's how to learn more about term life insurance coverage.

Is there Life Insurance for Old People?

Can older people get life insurance policies?

Yes, senior citizens may qualify to purchase life insurance coverage.

However, your approval to get insured may depend on your age and health.

Many insurers offer seniors the option of choosing from term life insurance or permanent life insurance plans.

However, those older individuals with health issues or over the age of 85 may find it difficult to get insured.

But, even if you have a health problem, there are guaranteed issue life insurance plans available for people ages 45 to 85.

Here's how you can learn about life insurance for old people and request a free quote for coverage today.

Whole Life Insurance for Seniors

Can seniors get whole life insurance even if they have health issues?

Yes, there are whole life insurance policies available for a senior citizen that has a health condition.

In fact, even if you have been turned down due to your age, health or some other reason, there are guaranteed issue whole life insurance plans available for seniors.

Some insurers offer up to $25,000 of whole life coverage and you may purchase a policy from more than one insurance carrier, if needed.

These guaranteed whole life insurance policies for seniors offer guaranteed approval based on your age, some guaranteeing approval for people ages 45 to 85.

How Much Does It Cost for Term Life Insurance?

The cost of a term life insurance policy can vary from less than $10 per month to over $100 per month depending on the duration of your life insurance and the amount of coverage you need.

In addition, other factors will impact your term life insurance cost including your gender and age.

Several additional risk factors go into determining your rate per $1,000 of life insurance coverage including your health, tobacco use, driving record, occupation, hobbies, height-to-weight ratio, and family health history, etc.

The insurer uses this information and the results of any health exam to develop your life expectancy - how long you are expected to live, and pay your premiums for your life insurance policy.

The younger and healthier you are, the lower your cost of term insurance. The shorter the duration of your term coverage, the lower your cost. And, the lower the amount of life insurance you buy, the lower your cost of coverage.

Term life is usually available for a "term" of 10, 15, 20 or 30 years.

Here's how you can compare instant term life insurance price quotes online from top carriers.

List of Instant Life Insurance Companies

Which life insurance carriers offer instant issue (same day) life insurance coverage?

If you want to start your life insurance coverage right away, there are several online life insurance carriers that offer quick issue plans.

Some of the leading providers of instant life insurance coverage include Haven Life, ANICO, Globe Life, AAA Life and Fidelity Life.

When comparing instant life insurance plans you'll find that prices vary by insurer; as well as, the amount of life insurance available, length of term life coverage and the ages to qualify for a policy.

Here's how you can learn more and review instant life insurance companies online.

Term Life Insurance Instant Issue

What is instant issue term life insurance?

It's a type of temporary life insurance lasting up to 30 years which you can purchase and begin your coverage immediately.

With term life plans you may choose coverage for a duration of 10, 15, 20 or 30 years, usually.

Instant issue term life means you can apply for your policy online (safe and secure) and if approved, you may begin your life insurance protection right away - the same day.

These instant plans come with a money-back guarantee, usually for a period of 30 days.

Learn more about how to get term life insurance instant issue coverage today.

When Life Insurance is Not Needed?

When do people not need life insurance protection?

Although many of us may have a need for life insurance at some point in our lifetime, there are those who may not need life insurance.

Some of the most common reasons people do not need life insurance include:

1. You have enough money saved to pay for your final expenses
2. You have no debts
3. You have no one who relies on you for financial support
4. You are not married
5. You have no children

Can I Get Life Insurance on My Parents?

Yes, adult children may purchase life insurance policies on their parents.

In order to get a life insurance plan on someone else you need to have an insurable interest in that person - meaning you either rely on the person for some means of financial support, or that you would suffer financially if the person were to pass away.

There does exist insurable interest between children and their parents, as children may pay for their parent's burial and funeral costs, or perhaps rely on their parents for financial support.

And, there are guaranteed issue life insurance plans for seniors, so you won't have to worry if your parents have health issues or would rather not take a health exam.

Guaranteed life insurance requires no health exam and no health questions asked. And, people age 45 to 85 are guaranteed approval with some insurers.

Learn more about how to buy life insurance for a parent.

Life Insurance Face Amount?

What is the face amount of a life insurance policy?

The Face Amount of a Life Insurance Policy is the dollar amount of life insurance stated on the first page of the life insurance policy.

This is the amount of money that will be paid to your beneficiary in the case of your death, or the maturity of the policy.

The life insurance policy face amount does not include any additional amounts payable under accidental death or other special provisions, or proceeds acquired through the application of dividends.

You can use a life insurance needs calculator to help you figure out how much life insurance coverage you need to adequately protect your family.

What is a Burial Life Insurance Policy?

Have you saved enough money to pay for your final expenses?

Did you know the average cost of a funeral and burial, including related expenses is around $7,700?

That's right, and many of us may not have enough to cover our final expenses, leaving our loved ones with the financial pressures of covering our funeral and burial costs while they are mourning our loss.

That's why many people purchase burial insurance. These policies offer an easy way to get the coverage you need at an affordable price.

In fact, many burial policies require no health exam, no health questions, and you are guaranteed approval if you meet the age requirements.

Here's how to learn more about a burial life insurance policy and find out how affordable it can be to get the coverage you need.

Life Insurance for Young Married Couples

If you're young and married you may be considering your future and how to best protect your growing family.

If so, life insurance can help, because it can provide financial security for your family should you die unexpectedly.

Now that you're married, you have someone who relies on you for your love and support in more ways than one.

That includes financial support, and life insurance is an affordable way to replace your income and provide the money needed for your growing family to maintain their lifestyle and be financially secure should you pass away.

Term insurance offers young couples a way to stay on budget, but get the most life insurance protection at the most affordable price.

Whether you need life insurance coverage for 10, 15, 20 or even 30 years, term insurance offers an affordable way for you to protect the future for your loved ones.

Learn more about young married couples life insurance.

How to find an Affordable Short Term Insurance Policy?

Are you looking for affordable temporary life insurance for a short term?

If so, there's a quick and easy way to find what you need. Shopping and comparing online term life rate quotes for your short term needs is quick and easy to do.

You can request and compare pricing comparisons for 5 or 10 year term life plans online and review the lowest prices from several of the best insurance carriers in America in a matter of minutes.

All you have to do is visit a life insurance website that offers free quote comparisons for term insurance.

Then, just answer some basic questions to request and instantly receive your free quotes.

It only takes a few minutes and you could save quite a bit of money by comparing rates form several carriers.

Here's how to compare affordable short term insurance policy quotes online.

Life Insurance with Money Back?

Is there life insurance that will give me back the premiums I pay?

Yes, it's called "money back" or "cash back" life insurance, also known as return of premium life insurance.

This type of life insurance charges you higher premiums upfront for your policy, but if you are alive when your coverage expires, the insurance carrier pays back to you all of the premiums you paid for your life insurance.

However, regular term life insurance charges much lower premiums and does not return your money if you outlive your term.

In a way, it's like a forced savings plan, where you get term insurance for a specific period of time (10, 15, 30 or 30 years), and if you survive that long, you also get your premiums back.

Learn more about life insurance with money back.

Can I Cancel My Life Insurance Policy?

Is it possible to cancel life insurance?

Yes, you have the option to cancel your coverage anytime you choose to do so.

But, before cancelling your policy, make sure you no longer have a need for protection. Because, if you still need life insurance, and your health changes, you may find you are uninsurable when you need it most, or the cost will be much higher, possibly.

And, if you are cancelling to switch to another, lower-priced carrier, make sure to get insured (your new policy is "In Force") before cancelling your first life insurance policy. That way, you won't be without coverage during the process.

Learn more about how to cancel life insurance policy.

What is the Top Term Life Insurance No Medical Exam?

What company offers the top term life insurance with no medical exam required?

If you're searching for the best no exam term life insurance policy there are several things to consider in comparing plans.

1. What will it cost?
2. How much coverage can you buy without an exam?
3. What is the financial rating of the insurance carrier?
4. How long will it take to start your life insurance?

One of the leading providers of no exam term life insurance is Haven Life which is backed by A++ rated MassMutual. Have Life offers competitive pricing, up to $1,000,000 of coverage, and if you are approved for coverage you may start your life insurance policy today.

Here's how to learn more about the top term life insurance no medical exam coverage today.

When Does Life Insurance End?

When does a life insurance policy end?

It depends on the type of life insurance policy.

Term life and permanent life insurance are the two basic types of life insurance policies.

Permanent life provides you with lifetime protection no matter how long you live - it doesn't end unless you cancel the coverage or stop paying your premiums.

Term life insurance is temporary, providing life insurance for a period of up to 30 years. If you outlive the duration of your coverage, your life insurance ends.

Learn more about term life insurance versus permanent life insurance coverage.

Should I Get Life Insurance?

I'm not sure whether or not to purchase a life insurance plan. How do I know if I need coverage?

Whether or not you need life insurance will depend on your own personal situation.

If you have anyone who relies on you for some means for financial support, you probably need life insurance. Whether it's your spouse, child, sibling, family member or anyone else, life insurance can provide the financial security to take care of them if you should pass away.

Many people buy life insurance to cover their final expenses, replace their income, pay off a home mortgage loan, maintain their family's lifestyle, and provide for their children's education.

Here's an article to help you decide - Should I Get Life Insurance?

How much Instant Issue Life Insurance can I Buy Online?

The amount of life insurance you can buy online with instant coverage will depend on the insurance company, your age and health.

However, there is an "A++" rated insurance company that offer up to $1,000,000 of quick issue life insurance protection.

If approved, you may start your life insurance policy today.

You can get a quote, apply online in about 15-20 minutes, and then find out in as little as 10 seconds if you qualify.

Once approved, you select a payment option and you can start your life insurance coverage right away.

Keep in mind, you may purchase coverage form more than one insurer, this is just one option.

Here's how you can learn more about buying instant issue life insurance coverage online today.

Term Life Insurance Policy Quotes

What are term life insurance policy quotes?

Term life quotes are indication of the cost for you to purchase term life insurance coverage for a specific period of time, which is the "term" of your policy.

How can I get term life policy quotes?

You can visit a life insurance website online, most offer term life quote comparisons from a network of leading life insurance carriers.

You just answer some basic questions about your life insurance needs, click on a button, and instantly receive your quotes for term life insurance.

The term life quotes are based on your gender, age, health, amount of coverage, length of term and some other key factors.

By comparing term life insurance policy quotes from several insurers you may save hundreds of dollars per year on the cost of your life insurance policy.

Can I Have 2 Life Insurance Policies?

Is it possible to own two life insurance policies at the same time?

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

Life insurance companies understand that your need for life insurance may change throughout your lifetime.

As you get older you may take on greater financial responsibility by getting married, buying a home and starting a family.

This may increase your need for additional life insurance.

Find out how many life insurance policies you can have.

Term Life Insurance for People over 50

Can people over age 50 get term life insurance coverage?

Yes, actually people ages 75 and under may qualify for a term life insurance policy.

If you're over age 50 you may be able to choose term life coverage for a period of 10, 15, 20 or even 30 years, depending on your age.

Term life costs less than a permanent life insurance plan, because it is temporary coverage, meaning you may outlive the duration of your life insurance policy.

The shorter your term of coverage, the lower your annual cost of life insurance.

Here's how to learn more about term life insurance for people over 50 years of age.

Buy No Medical Life Insurance

Can you buy a life insurance policy online without taking a medical examination?

Yes, there are no medical life insurance plans you may purchase on the internet.

However, your approval for coverage may depend on your answers to the health questions asked when you apply for the policy.

Usually, healthy people age 65 and under may qualify to buy a life insurance plan without any medical exams.

Keep in mind, the rate charged per $1,000 of life insurance without a medical may be higher than you would pay if you purchase a life insurance policy that does require you to take an exam.

However, if you qualify for no medical life insurance you may be able to start your life insurance policy today, instead of waiting weeks for coverage with a plan that does require a medical exam.

Here's how to buy no medical life insurance online.

Does Life Insurance Expire?

That depends on the type of life insurance you have.

A permanent life insurance policy does not expire, it provides lifetime coverage.

However, a term life insurance policy is temporary coverage lasting for a period of up to 30 years, depending on the length of term you purchase.

Some plans offer coverage for a duration of 10, 15, 20 or 30 years.

So, if you are alive when your term ends, your life insurance coverage expires, unless you choose to renew your term life insurance for another term.

Is there Life Insurance with No Check Up?

Yes, there are life insurance plans available with no health check up required.

However, unless it is guaranteed issue life insurance, you may need to answer some questions about your health in order for the insurance company to decide if you are approved for coverage.

Some insurers offer up to $400,000 or more of life insurance without any health exam required.

The no exam life insurance policies are sometimes referred to as simplified issue life insurance.

However, in order to qualify for no check up life insurance you may need to be in good health.

Here's how to get life insurance no check up and start your life insurance today, if you qualify for coverage.

Why Does Life Insurance Take Blood?

If you are interesting in purchasing life insurance you may have heard that insurance companies take a sample of your blood for testing when you take the medical exam to be considered for life insurance.

This is a common practice among life insurers. They have your blood tested to determine f you are healthy, and to help them decide if they will insure you for life insurance.

There are several tests performed on your blood to check your health status. Some testing may check for high cholesterol, high protein levels, diabetes, tobacco use, HIV, STD's and illegal drug use, among other things.

If you do not agree with the test results you may request another blood test.

There are life insurance policies with no blood tests available which offer up to $1,000,000 of affordable life insurance with no health exam and no blood tests, if you qualify.

Life Insurance No Turn Down

Have you been turned down for a life insurance policy?

If so, you may be looking for a plan that offers guaranteed approval - where you cannot de denied coverage due to any health problems.

If so, there are guaranteed approval life insurance policies available for people ages 45 to 85.

These life insurance plans offer up to $25,000 of guaranteed protection with no physical exam required and no health questions asked.

If you're finding it difficult to get insured for life insurance, you may want to consider guaranteed approval life insurance.

Term or Life Insurance?

Which type of life insurance is best - Term Life or Whole Life?

Actually, it depends on your personal situation and needs.

For example, if you need life insurance for a specific period of time to cover your home mortgage or until the kids are out of college, you may need term life insurance for a term of 15, 20 or 30 years.

However, if you need life insurance guaranteed to last your entire lifetime, no matter how long you live, then a whole life insurance policy may be right for you.

Basically, term life provides protection for 30 years or less, while whole life if lifetime protection.

Term life costs a lot less since you may outlive your policy term.

Learn more about term or life insurance and find out which may be right for you.

What does Term Life Insurance Cover?

Term life insurance is life insurance on an individual person that pays out a death benefit to the beneficiary if the insured person dies from an accident or natural causes.

The "Excluded" causes of death are stated in the life insurance policy. For example, suicide is excluded if it happens within 2 years of purchasing the policy (one year in some states).

Upon purchasing the life insurance policy the owner of the policy (which may be the insured) chooses a beneficiary or beneficiaries who would receive the death benefit proceeds from the life insurance policy upon the death of the insured.

In a term life insurance plan you select the "term" which is the duration of your life insurance coverage. Term policies may last for a term of 10, 15, 20 or 30 years.

If the insured person dies during the term while the life insurance coverage is "In Force", the death benefit is paid out.

If the insured person outlives the term of the term life insurance policy, there is no death benefit paid on the policy.

Learn more about term life insurance coverage and how it works.

Online Quotes for Term Life Insurance

Where can you get an online term life quote comparison?

Actually, just about any life insurance website offers access to free quotes on term life insurance.

You just fill out the quote request form and instantly receive the best prices on term life insurance form a network of highly-rated life insurance carriers.

The quotes are free and there's no need to meet with an agent or deal with any high-pressure sales pitch.

And, if you like the quotes you can request an application for life insurance coverage, or request more information and get assistance in purchasing your life insurance policy.

Here's how you can learn more about getting online quotes for term life insurance and compare the most affordable plans in just a few minutes.

How Does Level Term Insurance Work?

A level term insurance policy is life insurance with level premiums each year fir the entire duration of your coverage.

With level term you choose a "term" (duration) for your life insurance. Most insurers offer term life coverage for a term of 10, 15, 20 or 30 years. The longer your term, the higher your annual cost of life insurance.

In addition, the amount of life insurance provided by your policy remains level for the entire duration of your term.

Level term offers the most affordable life insurance protection for a period of 30 years or less.

Learn more about how a level term insurance policy works.

How to get Term Insurance with No Physical?

Is it possible to purchase a term life insurance policy without having to take any physical examination?

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

Some carriers offer up to $400,000 or more of no exam coverage, but one insurer rated A++ for financial strength offers up to $1,000,000 of affordable term life insurance without an exam for qualified applicants.

How do you qualify? You apply for a policy online (safe and secure) and find out in as little as 8 seconds if you qualify based on your answers to the health questions in the application.

Here's how to learn more about term insurance no physical required and request your free price quote.

Life Insurance for Parent?

Is it possible for an adult child to purchase a life insurance policy on his parent or both parents?

Yes, since adult children have an insurable interest in their parents, they may purchase life insurance on their parents.

Many people buy life insurance o their parent(s) to make sure there are funds available to pay for their parent's final expenses, including the cost of a funeral, burial and memorial service.

Today, the average cost of a funeral and related expenses may exceed $7,000.

There are even "guaranteed issue" life insurance plans available for seniors which means your parent cannot be turned down due to any health problems.

Here's how to get life insurance for your parent.

What are Term Life Insurance Ratings?

Ratings on a term life insurance company are an indication of that insurer's ability to meet their financial obligations, including paying their claims in a timely manner.

In addition, the rating issued by an independent financial rating agency is an indication of the insurer's financial strength.

Some of the leading rating agencies that review the financials of insurers to develop a rating include A.M. Best, Moody's and Standard & Poor's, among others.

When selecting your term life insurance carrier make sure to consider and review the financial rating of the carrier, because you want to make sure the insurer will be around to pay any claim on your life insurance policy when the time comes.

Learn more about term life insurance company ratings.

Term Life Insurance Pricing?

How do insurance carriers determine your pricing for a term life insurance policy?

The price you pay for term life insurance will depend on your gender age and health.

The amount of life insurance and the duration of your coverage (term) will also affect your cost of term insurance.

In addition, your personal risk factors are considered, including your lifestyle, tobacco use, driving record, hobbies, occupation, height-to-weight ratio, among other things.

The insurer uses this information to decide if they will accept you for coverage and how much you will pay based in part on your life expectancy and the duration of your term life policy.

Learn more about term life insurance pricing and how it works.

What is Dependent Life Insurance?

Dependent life insurance coverage is life insurance you take out on your dependents, which may include your spouse and children.

Many employers offer group term life insurance policies which allow the employee to be covered and add coverage for their dependents.

Or, you could purchase your own life insurance policy and add your family members onto your policy by use of a rider to add their coverage.

Another option is to buy individual life insurance policies on each of your dependents.

Learn more about life insurance for your dependents.

What is a Senior Final Expense Program?

Senior final expense is a type of life insurance plan that provides coverage on a senior citizen to cover the cost of his or her final expenses, including funeral and burial costs.

Usually, final expense plans offer a limited amount of life insurance up to $25,000. There's no physical examination required and you may not have to answer any questions about your health.

Some plans are guarantee issue which means you cannot be turned down for a policy based on your health.

There are some insurers that offer guaranteed approval for seniors age 45 to 85.

Learn more about how to get a senior final expense program.

How to get Online Mortgage Life Insurance Protection?

Can I buy a mortgage life insurance plan on the internet?

Yes, there are insurers that offer life insurance protection for your mortgage online.

In fact, one A++ rated life insurance company offers homeowners up to $1,000,000 of affordable mortgage life insurance protection. You can apply online and start your coverage today, if you qualify.

You can apply online for your plan in about 15-20 minutes. And, find out if you qualify for coverage in as little as 10 seconds after completing the online application.

Here's how to get online mortgage life insurance protection.

Non-Medical Insurance?

Non-medical insurance is life insurance issued without requiring the applicant to submit to a regular medical examination.

In passing on the risk, the insurance company relies on the applicant’s own answers to health questions regarding his or her physical condition, and on personal references and inspection reports.

Because of the limited underwriting of the applicant, this type of life insurance policy usually has higher premiums than fully underwritten life insurance policies.

Here's how to learn more about non-medical insurance.

What is a Life Insurance Incontestable Clause?

The Incontestable Clause is a clause in a life insurance policy providing that after a policy has been in effect for a given period of time (two or three years usually), the life insurance carrier shall not be able to contest the statements contained in the application for life insurance.

If an insured lied as to the condition of his/her health at the time the life insurance policy was taken out, that lie could not be used to contest payment of the death benefit under the insurance policy if death occurred after the time limit stated in the incontestable clause.

Life Insurance Premium Payments?

What is a life insurance premium?

A life insurance premium is the amount t of money you pay the insurance premium to provide you with life insurance coverage.

What happens if I don't pay my premiums for life insurance?

Typically, you will have a 30 or 31 day grace period to pay your life insurance premiums.

If you pay within this time period, your life insurance policy will continue "In force". If you don't pay your premium within the grace period, your insurance policy may lapse, depending on the type of life insurance policy you purchased. With a permanent life insurance policy; however, your life insurer may use your cash value, if available, to cover premium payments owed the insurer.

If you are unable to pay because you have become disabled, and you elected a "waiver of premium" provision or rider on your life insurance policy, you do not have to pay premiums for the duration of your disability.

Learn about a lapsed life insurance policy and what to do.

Is my life insurance beneficiary automatically my spouse?

Usually not. Life insurance companies typically write a check for the life insurance death benefit proceeds to whoever is named on the life insurance policy as a beneficiary.

Sometimes that could be an ex-spouse if the life insurance policy owner didn't change beneficiaries after getting divorced.

A spouse has no automatic right to life insurance money except in states with community-property laws.

In those states, a spouse might be entitled to a portion of the life insurance death benefit.

Life Insurance at Age 80?

Is there life insurance available for 80 year olds?

Yes, an 80 year old may be able to purchase a guaranteed issue whole life insurance policy.

These plans offer guaranteed approval with no physical exam and no health questions asked.

There are usually graded benefits the first two years you are insured, which means you won't have full death benefit coverage until after two years. That's how they can guarantee your approval for a policy.

Some guaranteed plans offer as much as $25,000 of life insurance protection.

Here's how to get life insurance at age 80

Low Cost Life Insurance for Families

Which type of life insurance will give me the most life insurance protection for my family at the lowest price?

Term life insurance is the most affordable life insurance coverage for young people with a family.

Term life insurance provides temporary life insurance for up to 30 years. It costs a lot less than permanent life insurance because it is temporary, and does not build up any cash value inside the policy over time.

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

With term life insurance you choose the term (duration) of your life insurance for a period of 10, 15, 20 or 30 years.

Since term life is the most affordable life insurance it allows you to buy the most life insurance coverage at the lowest cost.

With level term life insurance your premium stays the same each year, and the amount of life insurance remains the same each year for the entire term of your life insurance policy.

Here's how you can learn more about low cost life insurance for families.

Guaranteed Issue Life Insurance Online

Where can I find guaranteed issue life insurance coverage?

Today there are several life insurance carrier son the internet that offer life insurance plans with guaranteed approval.

In fact, if you meet the age requirements for approval, you may purchase up to $25,000 of coverage with guaranteed acceptance.

Some of the leading providers of guaranteed life insurance include United of Omaha, Gerber, Vantis and Colonial Penn.

Guaranteed issue means even if you have health problems you are guaranteed approval. Some plans offer guaranteed acceptance for people ages 45 to 85.

Learn more about guaranteed issue life insurance and request your free quote today.

Quickest Life Insurance

What is the quickest type of life insurance to buy?

The quickest life insurance available may be term life insurance with instant approval.

Term life offers temporary life insurance for 10, 15, 20 or 30 years, usually.

Before the internet it may take 6-8 weeks for a person to go through the entire buying process to get insured for life insurance.

Now, there are instant approval term life policies that allow the consumer to get a quote, apply online, get approved, and pay for your life insurance policy while you are online.

And, if approved, you may start your life insurance protection today.

It's called no exam life insurance that is simplified issue - meaning you can apply with no exam, just answer some health questions over the internet and find out if you qualify right away.

So, now instead of waiting 6-8 weeks you can start protecting your family today, if you get approved. It only takes minutes to get a free quote and apply online for your affordable life insurance protection fro an "A" rated life insurance company.

Your family deserves the protection and you deserve the peace of mind knowing they will have financial security on case something happens to you.

Start your quick life insurance policy today.

What is a Term Life Insurance Death Benefit?

A death benefit for term life insurance is the amount of life insurance provided by the policy, which is the amount that would be paid out to the beneficiary of the policy upon the death of the insured person.

In order for a death benefit to be paid out the insured must pass away while the term life insurance policy is "In Force", which means during the "term" of the policy while the premiums have been paid.

If you have a $250,000 term life insurance policy with a 10 year term, the death benefit would be paid out if you pass away during the 10 year period and the death benefit amount paid out would be $250,000.

Make sure your beneficiary knows you have life insurance. The beneficiary would need to contact the insurance company and make a claim for payment of the death benefit upon your death.

When Should I Review My Life Insurance Needs?

It is beneficial for you to review your need for life insurance every few years or when a major life change occurs.

For example, you may want to review your life insurance needs when getting married, expecting a child, buying a new home, starting a new job or getting a promotion, or when a family member passes away.

In addition, it is always important that you have your life insurance policies and other valuable papers in a safe and fire-proof location that can be reached by a family member or trustee in the event of your death.

If your family (beneficiaries) can't find your life insurance policy, or if they don't know that the life insurance policies even exist, it is nearly the same as if your life insurance policy didn’t exist at all.

When reviewing your need for life insurance make sure you use a life insurance calculator to help you accurately determine the right amount of life insurance for your situation.

How Can I Buy Life Insurance Coverage Today?

Is it possible for me to purchase a life insurance policy that will start protecting my family today?

It is if you are healthy and you qualify for coverage.

There is a highly-rated life insurance company that offers up to $1,000,000 of term life insurance protection you can apply for online in a matter of minutes.

In order to apply you have to answer a health questionnaire.

Your answers to the health questions will help to determine whether or not you qualify for the life insurance coverage.

If you qualify, you can choose a payment option and begin your life insurance policy today.

These plans offering "same day" life insurance coverage have been available on the internet for more than 5 years now.

Through improved technology, insurance carriers now are able to offer much quicker turn-around times on their approval for life insurance than used to be the case.

Now, instead of taking a doctor exam, and waiting 6-8 weeks for approval and to receive your life insurance policy, you may find out the same day if you qualify to be insured for life insurance.

That means you may start protecting your family as soon as today.

Here's how to Buy Life Insurance Coverage Today.

At What Amount of Life Insurance Do Insurance Companies Require a Medical Exam?

I am in my twenties and in good health. I have never had any medical issues and I am looking to buy life insurance.

I know that medical exams are usually required for most life insurance policies, but I was just looking for about $150,000 worth of coverage and I was wondering if I would be required to undergo a medical examination?

It'll likely be blood and urine testing for most insurance companies for anything $50,000-$100,000 and up.

If that's an issue due to a phobia, such as, fear of needles or fear of blood, then you can get a no exam life insurance policy.

Some insurers may offer up to $1,000,000 of life insurance without any medical examination, blood or urine tests. You can get a quote and apply online in minutes. If approved, you may start your life insurance policy today. Here's how you can learn more about life insurance with no exam required.

What is a Reputable Term Life Insurance Company?

Term life insurance is the simplest form of life insurance available and works for many people. Term life insurance is the most affordable life insurance option.

It works by selecting a coverage amount then paying a determined premium for the life (duration) of the life insurance policy.

Term life is called term coverage because you select an amount of time to be covered, after the term length is over your coverage ends. Some companies have an option to continue the coverage, this is called renewable term life insurance, but the premium you pay will increase after each additional year.

There are many good term life insurance companies including Met Life, Prudential, and Northwestern Mutual, among others that offer low rates and excellent financial strength ratings. On away to find the most affordable plan for term life insurance from a leading carrier is to compare term life rate quotes online.

Here is a list of reputable term life insurance companies and their ratings for your review.

How to find a Guaranteed Acceptance Life Insurance Company?

I want to purchase a life insurance policy but I have health issues. Where can I find a life insurance carrier that offers life insurance plans with guaranteed approval?

There are several insurers that have guaranteed issue life insurance policies available. Some of the leading providers of guaranteed coverage include United of Omaha, Gerber, Colonial Penn, Vantis, and AARP/NewYork Life, among others.

Guaranteed issue means you cannot be declined for coverage due to any health condition - you are guaranteed approval as long as you meet the age requirement and live in a state in which the insurer is licensed to do business and offers the coverage in that state.

Some insurers offer guaranteed approval for people age 40-80, 45-75, or 45-85. It varies by insurance company.

Here's how to find a guaranteed acceptance life insurance company.

Where should I keep my life insurance policy?

Your life insurance policy is evidence of your coverage to be left your your family (beneficiaries).

Keep your life insurance policy in a secure place that is fire-proof, such as a bank safe deposit box.

Keep a copy of your life insurance policy at home, along with important communications from your life insurance company and receipts or copies of your premium payments to the insurance company.

Make sure your beneficiaries know how to make a claim on your life insurance policy upon your passing, or understand how to contact the insurance company in the event of your death.

Life Insurance for Income Replacement

Would your family be able to pay the monthly bills if you were to pass away?

Term life insurance coverage is easy to understand, providing a set amount of life insurance coverage for a specific amount of time (usually 10, 15, 20 or 30 years).

If you were to die during the "term" of your term life insurance policy, your "beneficiary" would receive the full tax-free death benefit of your insurance policy.

Term life insurance is often used to protect the income provided by the main breadwinner of a family. So, if you die, you can still provide your family an income similar to what you would have earned if you were still alive to provide for them each month.

Purchasing life insurance for income replacement provides your loved ones with the peace of mind knowing their financial needs will met.

Will My Life Insurance Premiums Increase Over Time?

Whether or not your premiums will increase depends on whether you have term life insurance or permanent insurance.

With term life insurance coverage your premiums start out lower than comparable permanent life insurance coverage and stay fixed for the initial term (duration of your policy). If you choose to keep your term policy In Force past the initial term, the premiums will likely go up when you renew for another term.

With permanent life insurance policies, as long as you don’t let your life insurance coverage lapse, your insurance premiums are guaranteed not to increase for the rest of the owner’s life.

Here's how to compare term insurance versus permanent insurance.

Where Can You Buy Life Insurance?

There are several different options available where you can buy life insurance protection.

Many people buy their life insurance policies directly from their life insurance agent or from insurers that send mailers to your home.

Some people buy their life insurance plan on the internet.

When buying life insurance make sure you shop around to find the best plan and price from a financially secure insurance carrier.

You can even use a free life insurance quote engine that will give you a quick and accurate life insurance quote so you can see how much out of pocket expense you’re looking forward to when purchasing your life insurance policy.