Best Life Insurance for Healthy 30 year olds

What is the best life insurance for a healthy thirty year old?

It depends on the reason you need life insurance - what is your goal you want your life insurance to accomplish?

Then, consider how long you will need your life insurance to last to accomplish that goal.

If you need life insurance to last for more than 30 years, then whole life insurance can help.

If you need life insurance to last for a duration of thirty years or less, then term life insurance is by far the most affordable protection you can find.

Here's how to learn more about finding the best life insurance for healthy 30 year olds.

Whole Life Insurance for 75 Year Old

Can a seventy-five year old get whole life insurance?

Yes, there are guaranteed issue permanent life insurance policies available for people ages 45 up to 85.

With guaranteed coverage you cannot be denied a policy if you meet the age requirements.

That means, even if you have health issues or have been turned down before, you can still get insured.

Whole life provides lifetime protection and builds cash value inside your life insurance policy.

With guaranteed plans there is no health examination and no medical questions asked.

Here's how to get whole life insurance for a 75 year old.

Term Insurance with Modified Premium

What is modified term insurance and how does it work?

Modified term insurance is temporary life insurance that comes with premiums that change over time.

Term life may provide coverage lasting for a period of up to 30 years, with options of 10, 15, 20, 25 or 30 years.

Modified term has premiums that change on a regular interval, usually every five or ten years.

The change in premium may increase or decrease each interval.

So, you may buy a term life policy with modified premiums that increase every five years, which enables you to buy more life insurance than you may be able to afford with another type of term life plan, because your modified premiums are lower the first five years you are insured.

Learn more about term insurance with modified premiums.

Term Life Insurance You Can Buy Online

Is there term life insurance I can purchase online?

Yes, in fact, more and more people are choosing to buy their life insurance policies over the internet each day.

With the ease and speed of the internet, life insurers are now making same day life insurance plans available online.

That means now you can apply online (safe and secure) for life insurance, and begin your insurance the same day - if you qualify.

These quick issue life insurance plans are available through several insurers online.

However, one highly-rated insurance company now offers up to $1,000,000 (or more) of affordable term life protection which you can start today if you qualify.

Here's how to get life insurance you can buy online.

Top Senior Life Insurance Companies

If you're a senior shopping for life insurance you may be wondering which insurer is the best for elderly people.

There really is no one single insurer that is best for all seniors.

It depends on you - your age, health, and the type of life insurance you need, as well as, the amount of coverage you want to buy.

Some insurers are better at providing affordable senior life insurance plans for people with certain health issues like diabetes or high cholesterol, while others are more competitive for those in excellent or good health.

In addition, there are insurers that offer guaranteed issue policies for seniors with chronic health problems that makes getting insured very difficult through other insurance companies that don't offer guaranteed plans.

Compare the best senior life insurance companies in the USA.

Death Insurance for Funeral Expenses

Can I get death insurance to cover my funeral expenses?

Yes, there are life insurance plans (death insurance) that can provide the money needed for your loved ones to pay for your burial and funeral expenses.

Usually, these are whole life insurance policies with "guaranteed approval" for people who meet the age requirements.

Since they offer guaranteed approval, there is no physical exam needed, and no questions asked about your health.

The average cost of a funeral and burial today is around $8,700 - and funeral death insurance usually offers up to $20,000 of coverage.

Some life insurance carriers offer guaranteed acceptance for anyone ages 45 to 85.

Here's how to get death insurance for your funeral expenses.

Agoraphobia Life Insurance

Can someone living with agoraphobia get life insurance?

It may depend on your age and health; as well as, the insurance company you apply to for life insurance.

Some insurance carriers may insure people with mental health illnesses, including bipolar, panic disorder and agoraphobia, while others may not.

In addition, there are some guaranteed approval life insurance plans available for anyone who meets the age requirements for approval - for example, ages 45 to 85.

Learn more about how to get life insurance for agoraphobics.

Wheelchair Bound Life Insurance

Yes, there are some life insurance plans that may be available to people who are in a wheelchair.

However, several factors may impact your ability to get insured for life insurance.

Your age, health and management of your health issues will affect your ability to get insured.

In addition, there guaranteed life insurance policies available for anyone who meets the age requirements for acceptance.

For example, one insurer offers guaranteed life insurance for people ages 45 to 85.

Here's how to get life insurance for someone in a wheelchair.

Life Insurance for Someone with Poor Health

There are life insurance plans available for people with health problems.

These plans are usually called "Guaranteed Acceptance" life insurance policies.

They offer life insurance with guaranteed acceptance for anyone who meets the age requirements for approval.

For example, one leading insurer offers guaranteed life insurance for people ages 45 to 85.

With guaranteed coverage there's no health exam needed, and no health questions to answer.

However, the amount of coverage available may be limited to around $25,000 of life insurance depending on the insurance carrier.

Here's how to get life insurance for someone in poor health.

Maximum Amount of Non Medical Life Insurance?

What is the maximum amount of life insurance I can get without taking a medical exam?

That depends on your age and your health.

In addition, the insurance company limit of non med life insurance will vary by insurance carrier.

Some life insurers may offer up to $50,000 of non med coverage, while one highly-rated insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals.

And, you may purchase a life insurance policy from more than one insurance company.

Learn more about the maximum amount of life insurance with no medical exam.

How to Get Life Insurance that Starts Immediately

Is it possible to buy life insurance protection that starts my coverage right away?

Yes, several life insurance companies now offer "Same Day" life insurance coverage, which means you can start your coverage the day you apply for a policy, if you qualify.

Some life insurance carriers offer up to $500,000 of instant coverage; however, one insurance carrier offers up to $3 million of life insurance you can start today, if you're healthy and qualify.

The online application process for a life insurance policy usually takes about 15 minutes, and you may receive an answer as to whether you are approved in as little as 15 minutes after finishing your online application.

Here's how to buy life insurance coverage that starts immediately.

No Questions Asked Burial Insurance

Do you need burial insurance without any medical questions?

Today, it’s quicker and easier than ever before to get the life insurance protection you need to cover the cost of your burial, funeral and related final expenses.

And, you can get insured without answering any questions about your health.

Many people ages 45 to 85 choose guaranteed issue life insurance to help cover their final expenses including a burial.

It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your funeral and burial costs upon your passing.

Here's how to get no medical questions asked burial insurance coverage.

Life Insurance Refused on Medical Grounds

Have you have been turned down for life insurance because of medical reasons?

Don't worry, there is another way for you to get insured.

Today there are life insurance plans offering "Guaranteed Approval" - which means you can't be denied coverage due to any health issues.

As long as you meet the age requirements, you can get insured for guaranteed life insurance coverage.

Guaranteed issue plans offer a limited amount of protection, usually up to $25,000 or less.

But, some coverage is better than no coverage. 

And, if you need more life insurance protection, you can purchase guaranteed coverage from more than one life insurance carrier.

Here's how to get life insurance if you have been refused coverage on medical grounds.

Pre Existing Condition Insurance?

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

Yes, there are several life insurance companies that specialize in insuring high risk people.

There are also life insurance plans offering guaranteed approval for seniors age 45 to 85.

If you meet the age requirements, you can get insured for life insurance, even if you have been denied coverage through other insurance companies.

Here's how to get pre-existing condition life insurance coverage.

Cheapest Life Insurance without a Physical Exam?

What is the cheapest type of life insurance policy without having to take a physical?

The lowest priced no exam life insurance policy is term insurance.

Term life is temporary coverage for a period of 30 years, or less.

It costs less than permanent life insurance coverage, which provides lifetime protection.

With term life, the shorter your term (duration) for coverage, the lower your annual cost of insurance.

You may be able to choose a term of coverage lasting for a period of 10, 15, 20 or 30 years with no exam required.

There are several insurers offering no exam term life insurance, but some of the more competitive carriers for pricing are Haven Life and Sagicor Life.

Here's how to find the cheapest life insurance without any physical exam needed.

Life Insurance to Replace a Spouse's Income?

Can you purchase life insurance to replace a spouse's income?

Yes, if you're married you can buy life insurance on your spouse, (with his or her knowledge), because you have an insurable interest in your spouse.

Buying life insurance to replace your spouse's income is one of the most popular reasons people buy life insurance.

You are choosing to provide financial security for your family should your spouse pass away, by insuring his (her) income with life insurance.

That way, your family can maintain their standard of living and have funds available to help pay their living expenses should your spouse die.

Learn more about purchasing life insurance to replace spouse's income.

Buy Life Insurance for Burial Costs

Can I buy a life insurance plan to cover my burial and funeral expenses?

Yes, there are smaller life insurance policies that provide enough money to cover the cost of your final expenses, including your funeral and burial expenses among.

These life insurance plans are also known as funeral insurance, burial insurance, or final expense insurance.

Many of these burial insurance plans offer guaranteed approval, which means you cannot be turned down for coverage if you meet the age requirements.

Some carriers offer guaranteed life insurance for people ages 45-75, 40-80, or 45-85.

In addition, some of these plans offer up to $25,000 of life insurance protection.

Here's how to buy life insurance to cover burial expenses.

Life Insurance - Apply and Approval Online?

Can I apply for life insurance policy and get approval online?

Yes, there are life insurers that offer consumers the option to apply online and find out within minutes if you qualify to purchase a life insurance policy.

For example, Haven Life offers an application process for life insurance that is completely online, with quick approval for qualified applicants.

You request a free life insurance price quote, apply online, and find out within minutes (usually) if you qualify for a policy.

Upon approval, select a premium payment option and make your first month's premium payment, and you are insured.

Learn more about how to apply and get approval online for life insurance.

Life Insurance for Seniors Age 50 to 85

Can people ages 50 to 85 years old get covered for life insurance?

Is there life insurance for people ages 50 to 85?

Yes, there are term life policies which offer temporary coverage for a specific number of years, and there are permanent life insurance policies that provide guaranteed lifetime protection.

In addition, there are guaranteed acceptance life insurance plans which may be a good option for seniors age 50 to 85, or with a health problem, or someone who has been turned down for life insurance from other insurance companies.

Learn more about buying life insurance for seniors age 50 to 85.

How to Get Life Insurance If You Fail the Medical Exam?

I wanted to purchase a life insurance policy, but after I took the medical exam I found out I was turned down for coverage.

What can I do to get insured?

There are life insurance plans that offer Guaranteed Approval.

With guaranteed life insurance, as long as you meet the age requirement, you cannot be turned down due to any health problems.

However, guaranteed life insurance comes with limited death benefits (graded benefits) the first two years you are insured - that's how they can guarantee your approval for coverage.

Some guaranteed policies offer as much as $25,000 of life insurance, and you may buy a policy from more than one insurance company.

Learn more about How to get life insurance if you fail the medical exam.

Is there Life Insurance for People with Medical Conditions?

Can I get life insurance if I have a pre-existing health condition?

Yes, you may be able to qualify for fully underwritten life insurance plans, or you may purchase a guaranteed issue life insurance policy if you meet the age requirements for acceptance.

Some guaranteed plans are available for people ages 45 to 85.

You can contact an independent life insurance broker in your area that has acccess to life insurers that insure high risk people.

You can also find guaranteed issue life insurance plans online and request a free quote for coverage. Keep in mind, if you need more coverage, you may buy life insurance from more than one insurance carrier.

Learn more about getting life insurance for people with medical conditions.

End of Life Insurance

What is an end of life insurance plan?

It's life insurance that provides the funds needed to help pay for your end of life expenses, including the cost of a funeral, burial and other final expenses like medical bills.

End of life life insurance plans are usually guaranteed issue which means you can get insured even if you have pre-existing health conditions.

Usually, guaranteed issue life insurance offers coverage for seniors, with no exams and no health questions asked.

End of life insurance plans can make sure your loved ones are stuck with the financial burden of your final expenses upon your death.

Learn more about how end of life life insurance works.

Buying $50,000 of No Exam Life Insurance

Is it possible to get $50,000 of life insurance without an exam?

Yes, there are insurers offering $50,000 of no exam life insurance. These are usually term life insurance policies.

That means, you may be able to choose coverage for a term (duration) of 10, 15, 20 or 30 years, with no exam required.

Some insurers offering $50,000 of coverage without exams include Haven Life, AAA, ANICO, Globe Life and MetLife, among others.

With this type of policy you may be able to apply for your coverage online and start your life insurance plan the same day, if you qualify based on your answers to the health questions asked.

Learn more about how to buy $50,000 of no exam life insurance online today.

Can I Get Life Insurance without a 2 Year Waiting Period?

Yes, you may be able to purchase a life insurance policy without any waiting period.

What is life insurance without a waiting period?

It means that your full life insurance coverage starts from the first day you are insured by the insurance company.

Most life insurance policy provide you with 100% death benefit coverage from the first day you are insured by your policy.

However, guaranteed issue life insurance plans usually come with a graded death benefit the first 2 or 3 years you are insured. 

That's how they can accept people with a health problem, and guaranteed your approval for coverage if you meet the age requirements for acceptance.

Learn more about life insurance without a 2 year waiting period.

How to Buy Life Insurance Online in the USA?

If you're looking to purchase a life insurance policy online and you live in America, you have several choices available to you.

Some of the leading carriers in the USA now offer life insurance online, including Haven Life, Fidelity Life and United of Omaha, among others.

There are several types of life insurance plans available online, but the policies available to be purchased with instant approval are usually simplified issue term life insurance plans.

The insurer offering the largest amount of life insurance with instant-issue coverage is Haven Life, which is backed by MassMutual, an A++ rated life insurance company.

Haven Life offers up to $1,000,000 (or more) of term life insurance you may purchase online if you are healthy and qualify for coverage.

Here's how to buy a life insurance policy online in the USA.

Life Insurance for a Child?

What are the advantages of having life insurance for your child?

Child life insurance policies provide several benefits, including:

1. Proceeds from the death benefit can be used to pay for final expenses.
2. Build cash value inside the policy over time.
3. Guaranteed lifetime life insurance protection.
4. Option to increase coverage when your child reaches adulthood.
5. A loan may be taken from the cash value in the policy.
6. Level rates guaranteed to remain the same for the life of the policy.

Learn more about buying life insurance for a child.

Where Can I Buy Burial Insurance Coverage?

If you are in need of life insurance to cover your final expenses you may want to find out where you can purchase a burial insurance plan.

Burial life insurance provides funds to help cover the cost of a person's funeral, burial and related final expenses.

There are several insurers that offer burial insurance plans including United of Omaha, Colonial Penn, Gerber, Vantis Life, and MetLife, among others.

You can contact a local life insurance agent or insurance broker, call insurance carriers direct, or call a life insurance company to request more information about how you may purchase coverage.

In addition, there are life insurance carriers that have websites which offer you the option of requesting a burial insurance quote online.

Can I Buy Burial Insurance for My Brother?

Are you wondering if you can by a burial life insurance policy on your brother?

Whether you are the legal guardian for your brother, he owes you money, he has no money saved, or you would end up paying for his final expenses, you may be considering the purchase of a burial insurance policy.

One key issue when buying life insurance on someone else is whether or not you have an insurable interest in the person you want to insure for life insurance?

Usually, siblings may have an insurable interest in each other, since they may end up paying for the other's final expenses, or one sibling may owe the other money, or rely on the other sibling for some means of financial support.

Here's an article that provide more information on this topic: "Can I Buy Burial Insurance on My Brother?"

How to Choose a Term Life Insurance Policy?

What is important when choosing term life insurance?

If you're considering term insurance you'll first want to consider how long you really need your life insurance protection to last?

If you need life insurance for a duration of 30 years or less, then term life is right for you.

Choosing term life will mean you want to consider how much coverage you need, how many years you need life insurance protection, and what you can afford to spend.

With term life you'll have coverage options for a period of 10, 15, 20 or 30 years, usually but it depends on your age and health.

Learn more about choosing a term life insurance policy.

Can I Buy More Than One Term Life Insurance Policy?

Yes, life insurance carriers may allow you to own more than one term life policy.

Over time your need for life insurance may grow, and life insurers understand that one life insurance policy may not provide for all of your financial security needs for your family.

Since term life insurance offers coverage for 10, 15, 20 or 30 years, owning more than one policy can provide you with the protection you need for various lengths of time.

To learn more, here's an article for further review - "Can I Buy More Than One Term Life Insurance Policy?"

Is there Life Insurance without any Health Questions Asked?

Yes, you may be able to buy a life insurance plan without answering any questions about your health.

However, these plans are referred to as "Guaranteed Issue" graded benefit life insurance policies.

Guaranteed issue means there is no health exam, no health questions asked, and if you meet the age requirements, you are guaranteed approval for coverage.

Graded benefit means you will not have full (100%) death benefits until you have been insured for at least 2 years.

That's how they can guarantee your approval even if you have pre-existing health problems.

Learn more about no health question life insurance plans and how they work.

Easy Issue Whole Life Insurance Coverage

Are you looking for an easy way to get permanent life insurance protection?

If so, you may want to consider easy-issue whole life insurance.

Why easy issue life? Because, it offers you a quick and easy way to get insure for lifetime life insurance protection.

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

And, if you have pre-existing health issues or you have been turned down for life insurance, you can still get insured - if you meet the age requirement.

Learn about easy-issue whole life insurance and how to get guaranteed coverage.

Do Homeowners Need Life Insurance Coverage?

If I own a home, should I have life insurance coverage?

That really depends on your own situation, how much you owe on your home mortgage, how much you earn, how much you have in savings, your monthly living expenses, and your responsibilities - do you have a spouse, children, etc.?

However, many homeowners do own life insurance to make sure their family has money available upon the death of the homeowner, to pay off the outstanding mortgage so the family may remain in the home.

Just consider how would your family pay the monthly mortgage if you were to die?

Would they have to move, pay for movers, rent an apartment, and how would they pay for all of those expenses?

Life insurance for homeowners can give you peace of mind knowing your family will be protected should you pass away unexpectedly.

Can I Buy Life Insurance on My Grandfather?

I'm worried my grandfather doesn't have enough saved to pay for his funeral one day.

Can I get a life insurance policy on him?

Yes, adult grandchildren may purchase life insurance on their grandparents, because there exists an Insurable Interest between them and their grandparents. Insurable interest is required in order to buy life insurance on someone else.

And, many adults do buy life insurance on either their parents or grandparents in order to make sure their are funds available to cover the cost of final expenses for the grandparents.

It's a way of planning responsibly for the inevitable, especially if your grandfather is on a fixed income, living month-to-month on his social security benefits.

Here's how to learn more about how to get life insurance on your grandfather.

Do You Need Life Insurance Coverage Today?

If you're in need of quick-issue life insurance protection you can begin today, you may want to consider Haven Life.

With Haven Life you can choose from $50,000 up to $1,000,000 or more of affordable term life insurance protection.

The buying process is simple, just request a free life insurance quote, fill out an online application form, and you may be notified in as little as 15 minutes if you qualify to purchase coverage.

If approved, you can start your life insurance coverage immediately.

There are some health questions you'll need to answer when you apply for your plan.

And, there's a money back guarantee in case you aren't satisfied with your policy.

Haven Life is fully backed by MassMutual and offers one of the quickest and easiest ways for you to get insured today, if you qualify.

How to Buy Cheap Term Life Insurance Online?

How can I purchase a cheap term life insurance policy online?

There are several life insurance carriers offering the option to purchase your coverage direct online, and you can compare pricing among several insurers to help you save money on your policy.

Some tips to lower the cost of your life insurance policy include:

1. Use a needs calculator to decide how much coverage you really need.

2. Choose annual premium payment option to lower your cost.

3. Quit smoking - Smokers pay up to 2-3 times more for the same amount of life insurance as non-smokers.

Learn more about how to buy term life insurance online cheap.

Buy Instant Life Insurance Online

Is it possible to buy life insurance online and have my coverage start today?

Yes, there are quick issue life insurance plans available through several insurance carriers, including Haven Life, ANICO and Globe Life, among others.

They allow you to get a free quote, apply online and find out usually within minutes of you qualify for a policy.

Once approved, you may begin your life insurance coverage immediately.

And, these plans come with a money-back guarantee in case you aren't satisfied with your life insurance policy. That way, there's no risk to you.

However, the amount of coverage available will vary by insurer.

For instance, Globe Life offers up to $100,000 of coverage while Haven Life offers up to $2,000,000 of quick issue life insurance.

Here's how to buy life insurance online instantly.

Does Term Life Insurance Require a Physical Exam?

Whether or not term life insurance requires a physical will depend on the insurance carrier's requirements for approval, your age and health.

Many life insurance carriers require the applicant to take a physical exam if over 30 years old, buying more than $50,000 of life insurance, or if you have a health issue.

However, there are no physical exam life insurance plans available for people ages 20 to 60, if you are healthy.

In addition, guaranteed issue life insurance policies have no exam and no health questions asked for seniors.

To learn more, read this article: "Does term life insurance require you to take a physical exam?"

What is the Difference Between Term and Whole Life Insurance Policies?

If you're shopping for life insurance coverage you may be wondering about the pros and cons of the two basic types of life insurance policies: Term Life Insurance and Whole Life Insurance.

The main differences between the two come down to price, length of time you are insured, how long your premiums are guaranteed to remain level, and cash value.

Since term insurance is temporary coverage it costs a lot less than whole life insurance which is guaranteed to last your entire lifetime.

Usually, you can choose a term (duration) of coverage from 10, 15, 20 or 30 years, for a term life insurance policy.

And, term life is pure protection, meaning it only provides life insurance, no investment feature, while whole life builds up some cash value inside the policy over time.

Learn more about the differences between term life and whole life insurance policies.

Applying for Globe Life Insurance Online

Can I apply online for a Globe Life insurance policy online?

Yes, Globe Life offers the option to apply online for your coverage.

The process is simple, you just request a free life insurance quote from Globe Life, fill out the application (which takes about 5 minutes) and find out if you qualify for coverage.

With Globe Life there's no medical examination required; however, there are a few simple health questions asked.

Globe Life offers coverage for people ages 18 to 78.

You may choose up to $100,000 of life insurance, depending on your age.

Globe Life has more than 4.2 million policyholders.

Learn more about applying for Globe Life Insurance online.

Life Insurance: What is a Term?

A term is the length of coverage offered by a life insurance policy.

Term life insurance is temporary protection that offers coverage for a set period of time.

Terms available for term life coverage usually include 5, 10, 15, 20, 25, or 30 years as options for life insurance.

With term insurance, if you pass away during the term of your policy, the death benefit is paid to your beneficiary.

And, if you outlive the duration of your policy term, the coverage expires with no payout on your policy.

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

Suicide Clause of Life Insurance

What is a suicide clause for life insurance and how does it work?

A suicide clause is a limitation in all life insurance policies to the effect that no death benefit payment will be made if an insured person commits suicide within the first two years that the life insurance policy is "In Force."

This clause protects the life insurance company against adverse selection - that is, purchase of a life insurance policy in contemplation of planned death in order for a beneficiary to collect the proceeds.

Learn more about the suicide clause of life insurance and how it works.

Senior Life Insurance with Return of Premium

Can seniors get life insurance with return of premiums?

Yes, there are return of premium life insurance plans for seniors.

These plans are usually term life insurance policies and may offer from 5 to 20 years of term life insurance protection for senior citizens, depending on the applicants age.

The older you are, the shorter the term for coverage available.

If you outlive the duration of your term life policy, the insurer returns to you almost all of the premiums you paid while your policy was "In Force".

However, premiums are higher for return of premium policies, compared to regular term life insurance that does not return premiums.

Here's how you can learn more about senior life insurance with return of premiums.

How Much Life Insurance without a Physical?

If you're shopping for life insurance and don't want to take any exams, you may be wondering how much life insurance you can get without having to go through the medical examination process.

Actually, it may be more than you might expect.

In fact, one insurance company offers up to $1,000,000 (or more) of no exam life insurance for qualified applicants.

In addition, you can buy life insurance coverage from more than one insurance company.

So, if you need more life insurance, you could apply to several insurers to obtain the total amount of life insurance you need, without taking any health exams.

Learn more about how much life insurance you can get without a physical exam.

Low Cost Life Insurance for Young Adults

Is there any low-cost life insurance available for young adults?

Yes, in fact, life insurance is cheaper if you buy a policy while you are young and healthy, instead of waiting.

The most affordable type of life insurance for young people is term insurance, which offers temporary protection for a duration of 10, 15, 20 or 30 years, to meet your specific life insurance needs.

The shorter your term (duration) of coverage, the lower your annual cost for life insurance.

Other factors affecting your cost include the amount of life insurance you need, your age, gender, health, lifestyle, tobacco use, occupation, height-to-weight ratio, driving record and hobbies, among other things.

Here's more information on how to find low cost life insurance for young adults.

Final Expense Insurance for Your Parents

Can I get final expense insurance on my parents?

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

You have an insurable interest in your parents since you may have to cover the cost of their final expenses upon their passing.

There are life insurance plans available for seniors offering guaranteed approval for people ages 45 to 85.

That means, even if your parents have health issues, you can still get life insurance coverage for them.

These plans usually offer up to $20,000 of coverage for final expenses.

Here's how to get final expense life insurance for your parents.

Burial Insurance for Seniors over 80

Is it possible for seniors to get burial insurance if they are over 80 years old?

Yes, in fact, there are guaranteed issue life insurance policies available for people over 80 that can help pay for the cost of a burial and related expenses.

With guaranteed issue plans you won't have to take an exam or answer any questions about your health.

And, you cannot be turned dow due to any pre-existing health problems.

As long as you meet the age requirements you can get insured for a guaranteed burial insurance policy.

With one highly-rated insurer you can get approved for coverage if you are age 45 to 85.

You may choose form $3,000 up to $25,000 of coverage.

Learn more about how to get burial insurance for seniors over 80 years old.

How Much Does Burial Insurance Cost?

The cost of a burial insurance policy depends on you.

The price you pay for a burial insurance policy is based in part on your age, gender and the amount of insurance coverage you need.

Usually, burial plans offer form $2,500 up to $20,000 of life insurance coverage.

There are no health exams required and your coverage may be guaranteed issue, which means you cannot be denied insurance due to any health issues.

In fact, some insurers offer guaranteed coverage for people meeting the age requirements (45-75, 40-80 to 45-85), which varies by insurer.

You can find out how much burial insurance would cost you by requesting a free burial insurance quote.

Here's how to find out how much it costs for burial insurance.

Which Life Insurance is Best for Seniors?

If you're a senior citizen looking for life insurance you may be wondering what type of policy is right for you.

It's an important question, and one you want to answer before choosing your plan.

There are two basic types of life insurance: term and Whole.

Term is for seniors who need temporary coverage lasting for a period of 20 years or less.

Whereas, whole life insurance provides guaranteed lifetime protection to last as long as you do.

However, when it comes to pricing, term life usually costs a lot less than whole life.

In addition, there are guaranteed issue life insurance policies for people who have health issues, have been turned down for coverage, or are having difficulty getting insured.

Here's how to learn more about which life insurance is best for seniors?

Can I Purchase Life Insurance Online?

Yes, you may be able to purchase a life insurance plan online, if you qualify for coverage.

There are instant issue term life insurance policies available from several different life insurers, including Haven Life, Globe Life and ANICO, among others.

With instant issue plans you may apply online (safe and secure) and find out within minutes of you qualify for coverage.

Once approved, you may choose a payment option and begin your coverage immediately.

These plans come with a money back guarantee from 15 days to 30 days, or more, varying by the insurer and state requirements.

In addition, these plans usually do not require you to take any medical examination, and only people who are of average health (or better), may qualify, unless it is a guaranteed issue policy.

Learn more about how to purchase life insurance online.

Final Expense Life Insurance for Seniors over 80

Can people over 80 years old get life insurance to cover their final expenses?

Yes, in fact, some insurers offer guaranteed issue plans for people ages 45 to 85.

With guaranteed issue final expense life insurance you can buy up to $25,000 of coverage, and you cannot be turned down (through one highly-rated carrier) if you are between the ages of 45-85.

You select the person or persons to be your beneficiary and they may use the proceeds from your life insurance policy for any purpose, including to pay for your funeral, burial and other related final expenses.

You may select from $3,000 up to $25,000 of coverage. There's no health exam needed and no health questions to answer.

Learn more about how to buy final expense life insurance for seniors over 80 years of age.

How to Buy Life Insurance with No Questions Asked?

Can I get life insurance without answering any questions about my health?

Yes, there are "guaranteed approval" life insurance plans available.

With Guaranteed Approval policies you won't have to take an exam or answer any health questions.

Your acceptance for life insurance is guaranteed, as long as you meet the age requirements.

Age requirements may vary by insurer for guaranteed plans, including ages 45-75, 40-80, or 45-85.

In addition, the amount of life insurance available may vary by carrier, from $20,000 maximum limit to $25,000 or more.

Keep in mind, if you need more life insurance, you may be able to buy a policy from more than one guaranteed issue life insurance carrier.

Here's how to buy life insurance no questions asked.

What are the Different Type of Life Insurance Policies?

If you're in the market for life insurance you may want to learn about the different types of life insurance plans available to help you better understand which plan may be right for you and your family.

There are two basic types of life insurance: Term and Whole Life.

Term is temporary coverage lasting up to 30 years, while whole life lasts your entire lifetime.

Term is pure life insurance protection, while whole life builds up cash value inside your policy.

Term life costs a lot less than whole life, which means you can afford a lot more life insurance buying term life.

Learn more about the different types of life insurance policies available.

Burial Insurance Direct?

Can I purchase a burial insurance plan direct online?

Yes, in fact, there are several insurers that offer burial expense insurance plans you may purchase online.

Some of the leading providers of direct burial life insurance coverage include United of Omaha, Colonial Penn, and Gerber, among others.

The amount of coverage available may vary by carriers, some offering a maximum of $20,000 up to $25,000.

The age requirements will also vary by insurer: 40-80, 45-75, or 45-85.

Burial insurance is usually offered with guaranteed approval which means there's no exams or health questions asked, and your approval is guaranteed - you cannot be turned down if you meet that age requirements.

Here's how to buy burial insurance direct.

Haven Life Insurance

What is Haven Life Insurance and how does it work?
Haven Life is a wholly owned subsidiary of MassMutual.

Haven Life offers InstantTerm life insurance coverage for qualified applicants.

With Haven Life, people ages 18 to 60 who are healthy, may qualify to purchase up to $2,000,000 of term life insurance with no medical exam. Term life may be available for a duration of 10, 15, 20 or 30 years.

Haven Life allows you to apply completely online for your life insurance policy in about 15-20 minutes.

Upon completing your application, Haven Life uses their technology to analyze your application and determine if you meet their requirements for approval for a policy.

You may receive approval in as little as 5 minutes after applying for coverage. Once approved, you may begin your life insurance policy.

Haven Life offers the quickest and easiest way for qualified applicants to get up to $2,000,000 of affordable term life insurance online.

Learn more about Haven Life Insurance and request your free life insurance quote today.

Can I Buy a $25,000 Life Insurance Policy?

Yes, there are life insurers that offer life insurance plans providing $25,000 of coverage.

These smaller life insurance policies are usually issued for seniors or high risk people, and offer guaranteed approval for people who meet the age requirements for acceptance.

For example, one highly-rated life insurance company offers "guaranteed issue" life insurance for people age 45-85.

You can choose from $3,000 up to $25,000 of guaranteed coverage.

There's no physical exam required and no questions asked about your health.

Here's how to buy a $25,000 life insurance policy.

Can I Buy a $15,000 Life Insurance Policy

Are there life insurance carriers that offer $15,000 of life insurance coverage?

Yes, although most life insurance plans start at $50,000 of coverage for term life insurance, there are whole life insurance policies offering from $3,000 or more of coverage.

These smaller life insurance policies are usually purchased to provide funds to pay for someone's final expenses, including the cost of a funeral and burial.

Keep in mind, the average cost of a funeral, burial and related expenses is around $7,700.

You may be able to buy $15,000 of life insurance with guaranteed approval from one (or more) of several insurance companies, including United of Omaha, Gerber, Colonial Penn, or MetLife, among others.

Guaranteed approval means there is no exam required and you won't have to answer any questions about your health. And, you cannot be turned down due to any pre-existing health condition.

As long as you meet the age requirements for acceptance, you are guaranteed approval for a policy.

Learn more about how to get a $15,000 life insurance policy.

Can I Buy a $5,000 Life Insurance Policy?

Are there life insurance carriers that offer $5,000 of life insurance coverage?

Yes, although most life insurance plans start at $50,000 of coverage for term life insurance, there are whole life insurance policies offering from $3,000 or more of coverage.

These smaller life insurance policies are usually purchased to provide funds to pay for someone's final expenses, including the cost of a funeral and burial.

Keep in mind, the average cost of a funeral, burial and related expenses is around $7,700.

You may be able to buy $5,000 of life insurance with guaranteed approval from one (or more) of several insurance companies, including United of Omaha, Gerber, Colonial Penn, or MetLife, among others.

Guaranteed approval means there is no exam required and you won't have to answer any questions about your health. And, you cannot be turned down due to any pre-existing health condition.

As long as you meet the age requirements for acceptance, you are guaranteed approval for a policy.

Learn more about how to get a $5,000 life insurance policy.

Final Expense Insurance without Health Questions

What is final expense life insurance without health questions?

It's life insurance that provides the funds needed to cover the cost of a funeral and burial.

Final expense coverage with no health questions means you won't have to answer any questions about your health, or take any medical exam.

No question final expense insurance plans are guaranteed issue which means you cannot be denied coverage if you meet the age requirements for approval.

Most final expense plans offer up to $20,000 of life insurance protection.

Here's how to learn more about final expense insurance without any health questions asked.

Funeral Insurance for My Parents

Can I purchase funeral life insurance on my parents?

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

Many people buy funeral insurance policies to cover the cost of a parent final expenses, which may include a funeral, burial, casket, headstone, burial plot and memorial service, among other things.

The average cost of a funeral and related expenses is around $7,700 and many elderly people may not have any money saved tot cover those costs upon their passing.

Planning ahead by purchasing funeral plans on your parents is a good idea so you won't experience any financial difficulties when the time comes.

Here's how to get funeral insurance for parents.

Which Life Insurance Companies offer No Exam Life Insurance Policies for Seniors?

If you're a senior looking for life insurance without the hassles and delays of having to take a medical exam, you do have options available to you.

Most of the no exam senior life insurance plans offered are guaranteed issue, which means you cannot be turned down if you meet the age requirements.

Some of the leading providers of senior no exam life insurance policies include the following carriers:

United of Omaha
Colonial Penn
MetLife
AARP/NewYork Life
Gerber Life
Fidelity Life

Keep in mind, the amount of life insurance available for seniors without an exam may be limited to around $25,000. 

However, if you need more coverage, you may be able to buy a policy from more than one insurance carrier.

Here's how to compare no exam life insurance companies for seniors.

Burial Insurance on Members of My Family?

Can I buy a burial insurance policy on family members?

Yes, in fact, you may be able to buy burial insurance on more than one family member.

For example, you may be an adult and have elderly parents who have no money saved to pay for their burial costs.

Many adult children purchase burial policies for their parents, so their parents can have a respectable funeral and burial upon their passing.

Or, if you have a sibling who relies on you for financial support and may not have funds set aside for his or her final expenses, a burial policy can help you cover the cost upon your sibling's death.

Here's how you can learn more about burial insurance for members of your family.

Guaranteed Issue Senior Life Insurance

Can senior citizens buy guaranteed issue life insurance plans?

Yes they can, in fact, several insurers offer guaranteed plans for seniors, including Colonial Penn, Vantis Life, AARP/NewYork Life, United of Omaha, and Gerber Life, among others.

Some plans are available for people ages 45 up to 85. And, you may be able to get insured for up to $25,000 of coverage from one insurer.

If you need more life insurance protection you can buy a guaranteed issue policy from more than one insurance company.

Many seniors with health issues or those who have been turned down for life insurance look to guaranteed coverage to get the life insuranxce they need.

Here's how to learn more about guaranteed senior life insurance plans.

Burial Insurance for Siblings?

Can I buy burial insurance coverage for my siblings?

Yes, adults with siblings may purchase burial insurance coverage on their siblings.

In order to buy a burial insurance policy on another person you'll need Insurable Interest in that person, and the person's permission, usually - however, that depends on the life insurance company requirements.

Insurable Interest means you either rely on the person for some means of financial support or that you may suffer a financial loss if the person were to die.

For example, if you loaned your sister money and she died before it was paid back, you would lose that money you loaned.

Or, if you had to pay for your brother's burial because he didn't have enough money saved to cover the full cost of his final expenses.

Here's how to learn more about buying burial insurance on your siblings.

High Risk Life Insurance for Sick People

Can seniors with health issues get approved for life insurance coverage?

It depends on the senior's age, health and the insurance company the person applies to for a policy.

There are several insurance carriers that specialize in insuring high risk people for life insurance. You may want to contact a local broker with access to high risk life insurance carriers for help in finding coverage.

In addition, there are "Guaranteed Issue" life insurance plans that guarantee your approval as long as you meet the age requirements, can afford the premium, and live in a state in which the insurance company is licensed to do business, and offers the plan.

Some guaranteed plans offer coverage for people ages 45 to 85, with no exam needed and no health questions.

Learn more about finding high risk life insurance for sick people.

Term Life Online

What is term life insurance coverage?

Term life is the easiest and most affordable type of life insurance policy available.

With term life you select a duration (term) for your coverage to last. Most term policies are available for a period of 10, 15, 20 or 30 years.

The "term" is how long you have life insurance protection. The longer your term, the higher your annual premium (cost of life insurance)

If you (the insured person) pass away during the term of your term life insurance policy, your beneficiary (which you select) would receive the death benefit paid out from your life insurance.

If you are alive when your term expires, there is no pay out on your term life policy.

Here's how to learn more about Term Life Online.

Insurable Interest and Life Insurance?

What is insurable interest and how does it work?

Basically, insurable interest means you have a financial interest in there person you wish to insure for life insurance.

Which means you stand to lose financially if the person were to die. For example, you either rely on that person for some form of financial support, or you would lose out financially if the person were to die.

Insurable interest is required to permit you to buy life insurance on another person. So you don't go around insuring people you don't know, who are about to die.

Insurable interest does exist between spouses, parents and their children, siblings, relatives, and business partners, among others.

Learn more about how insurable interest works.

Elderly Life Insurance for People over 80?

Can elderly people over eighty years of age get insured for life insurance?

Yes, there are some life insurance plans available for people over 80 years old.

Whether or not someone may qualify for life insurance over 80 will depend on that person's age, health and budget.

However, even of you are over 80 and heave pre-existing health conditions, there are guaranteed issue life insurance plans available, which means you cannot be turned down if you meet the age requirements for approval and live in a state in which the insurer offers that type of policy.

For example, United of Omaha is licensed in many states in the US and offers guaranteed acceptance life insurance for people ages 45 to 85.

You don't have to take any medical exam or answer any questions about your health.

Here's how to learn more about getting elderly life insurance for people over 80 years old.

Low Cost Life Insurance for Young Adults

How can young adults find a low cost life insurance policy?

If you're a young adult you may be considering the purchase of life insurance, especially if you took out a loan to get through college, your parents gave you a student loan, you have a car loan, or you are married, have a child or own a home.

So, if you need life insurance at a young age, what is the cheapest type of plan you can get?

That's simple It's called "Term Life Insurance" and it offers you the most affordable pricing for your life insurance.

Term life is "Temporary" life insurance protection providing you with coverage for a specific period of time, called the "Term", which is the duration of your life insurance policy.

With term life you select a term that fits your needs, usually form 5, 10, 15, 20, 25 or 30 years.

The longer your "term", the higher your annual cost of life insurance.

With term life your premiums usually remain the same each year for the life of your policy.

Learn more about finding low cost life insurance for young adults.

Can You Pay for Life Insurance Using a Credit Card?

If you are considering the purchase of a life insurance policy one of the choices you’ll make is how to pay for your insurance.

Actually, there are several options you may be able to choose from depending on the insurance company. Most insurers offer you several payment options to use when paying your premiums. 

Yes, you can purchase life insurance using a credit card with some insurance companies.

Can You Pay Life Insurance with a Credit Card?

Premium Payment Options

Upon applying for a policy and being approved for life insurance you will be asked how you wish to pay your premiums. Below are listed several common payment options:

ETF – Electronic Direct Transfer from your checking account to the insurance company.

Debit Card – Direct debit from your savings account.

Check – You may send a check to your insurer to pay your premium.

Credit Card – You may select one of the approved credit card companies.

Credit Card Companies Accepted by Life Insurers The credit card companies that insurers accept may vary by insurer. However, many insurers that accept credit card payments use Discover, American Express, Visa and MasterCard.

Learn more about paying for life insurance with a credit card.

Can I Buy Life Insurance for My Grandma?

If you have an elderly grandmother who is on a fixed monthly income you may be wondering if she has enough money saved to help pay for her final expenses.

  And, you may also ask yourself if you can buy life insurance for your grandma?

The answer is "YES", you can.

Many adult grandchildren purchase life insurance plans for their grandparents to make sure there is no financial stress in paying for their grandmother or grandfather’s funeral and burial expenses.

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

It may be a lot more than you expected. When you add up the cost of a funeral, memorial service, burial plot, headstone, flowers, and casket it can easily exceed $7,000.

That’s why it’s important to plan ahead. 

Learn how to buy life insurance for your grandma.

Is there Life Insurance for People over 80

Are you over age 80 and in need of life insurance protection?

If so, it may be easier than you thought to get insured.

In fact, there is a guaranteed issue life insurance plan available for people ages 45 to 85 that allows you to purchase from $3,000 up to $25,000 of guaranteed life insurance protection.

It’s called United of Omaha final expense insurance and it’s easy to get. With United of Omaha you just request a free quote and you can apply for your life insurance policy today.  

If you are age 45 to 85 you cannot be turned down for coverage. And, there’s no health exam and no health questions asked.  Even if you have a health condition or chronic health problem, you can get insured.

Here's how to get life insurance for people over 80 years old.

What is the Cheapest Life Insurance Coverage?

Are You Trying to Find the Cheapest Life Insurance Coverage?

If so, you may want to learn how your coverage may cost less, and what factors will have an impact on the price you pay for a policy.

Two Keys to Getting Cheap Life Insurance 

1. Choose a term life insurance policy

2. Get quotes from multiple life insurance carriers

If you want to get the most affordable life insurance, there are several tips you can follow to lower your cost of coverage.

Although you don’t have control over your age, there are other pricing factors you can control to help lower your cost.

Learn more about how to get the cheapest life insurance coverage.

How Much Life Insurance Do I Need?

If you’re considering the purchase of a life insurance policy to protect your loved ones, one of the most important questions you’ll ask yourself is "How much life insurance to buy?"

Choosing the right amount of life insurance is a major factor in providing your family with the financial security they will need in case you pass away.

  And, it has the added benefit of making sure you aren’t paying for more life insurance than you actually need, given your goals and personal situation. 

Goals of Life Insurance– To provide the financial security your family needs in case you are no longer there to provide for them.  

The proceeds from your life insurance policy can be used to any purpose, including to replace your income, pay off a home mortgage loan, pay off credit card debt, pay for living expenses, provide you’re your child’s college education and provide for your spouse’s retirement, among other things.

Here's how to determine how much life insurance you need.

Can You Get Life Insurance with Pre-Existing Conditions?

Do You Have a Pre-Existing Health Condition and Need Life Insurance?

If so, you may be wondering if it’s possible to get insured, if it will be affordable, and how much coverage you can get.

These are all good questions and concerns that many just like you with a health condition may be considering when in need of life insurance protection.

The answer to your question is "Yes", you can get life insurance with an existing health problem.

There are plans available that offer insurance to those with health issues, and some insurers even offer guaranteed approval, which means you can’t be turned down.

Here's how to get life insurance with pre-existing conditions.

Can I Get Life Insurance without Blood Tests?

Is it possible to purchase life insurance without having to give blood and have it tested?

The answer is "Yes". You can get insured for life insurance without any testing of your blood.

This type of policy is called "Simplified Issue" or "Quick Issue" life insurance. Now, some life insurance companies have made available the option of allowing you to buy your policy without taking a health exam, or having your blood tested.

In fact, you can even apply for a policy online – Safe and Secure – and begin your coverage immediately, if you qualify.

Here's how to get life insurance without blood testing.

When Does a Term Life Insurance Policy Payout a Death Claim?

Typically, a term insurance policy benefits are paid when the insured has died, and the beneficiary files a death claim with the insurance company, submitting a certified copy of the death certificate.

Many states allow life insurers 30 days to review the claim. Then they can pay it, deny it or ask for additional information.

Most life insurance companies pay out benefits within 30 to 60 days of the date of the death claim.

There is no set time frame but insurance companies are motivated to pay as soon as possible, after receiving bona fide proof of death, to avoid steep interest charges for delaying payment of claims. 

Learn more about when a term life insurance policy pays.

Funeral and Burial Insurance Plans

Burial and funeral insurance protection is a whole life insurance policy to cover the cost of a person’s burial and funeral expenses. These plans may be called burial insurance, funeral insurance or even final expense insurance.

Usually, these life insurance policies provide from $2,000 up to $20,000 or more in coverage, and there is no health exam required, to make it easier for you to qualify and purchase your policy.

These life insurance plans are made for the purpose of protecting your family from the financial stress and burden of having to pay for your funeral and burial costs. 

Learn more about buying funeral and burial insurance plans.

How to find the Best Life Insurance Quotes?

Are you looking for the most affordable price on quality life insurance protection for your family?

The quickest and easiest way to find the best prices from the highest-rated insurance companies is to compare pricing from a network of leading life insurers online.

You probably don’t have the time to call up every single one of the more than 500 insurance carriers in America to find the best deal. And now you don’t have to.

Here's how to shop and compare the best life insurance quotes from more than 40 of the leading life insurance companies in just a couple minutes.

What is the Best Term Life Insurance without an Examination?

I need term life coverage but I don't want to take any health exams.

Which is the best term life plan with no exam?

Haven Life is one of the top offers available for no exam term life insurance for several key reasons:

1. Offers competitive rates.
2. Up to $1,000,000 of life insurance available.
3. Instant issue coverage starting today.
4. 30 day money back guarantee.
5. "A++" rated life insurance protection.
Haven Life is fully backed by MassMutual which has the highest financial strength rating available from A.M. Best Company.

With Haven Life, healthy individuals can purchase up to $1,000,000 of affordable coverage and start their life insurance policy today.

Learn more about finding the best term life insurance without an examination.

What is the Best Mortgage Life Insurance?

I bought a new home and want to find life insurance to protect my mortgage loan in case I die.

What is the best mortgage life insurance?

When choosing a plan for mortgage protection you'll want to consider term life insurance which offers you the most protection at the lowest cost for a duration of up to 30 years.

You can select the amount of coverage you need to pay off your mortgage, and the term (duration) to match your mortgage loan which is usually 15, 20 or 30 years.

Here's how to learn more about finding the best mortgage life insurance plan.

Best Life Insurance to Cover Funeral Expenses

I need life insurance for my funeral expenses, which is the best type to get?

There are guaranteed issue life insurance plans available that guaranteed approval for people ages 45 to 85, and provide permanent life insurance that lasts your entire lifetime.

With guaranteed plans you won't have to take any health exam, or answer any questions about your health.

That means, you cannot be turned down for coverage due to any pre-existing health condition.

As long as you meet the age requirements you are guaranteed approval for a policy.

Learn more about the best life insurance to cover funeral expenses.

Can I Buy Life Insurance on Myself?

Yes, you can buy a life insurance policy on yourself, which would name you as the insured, and you would select someone else to be the beneficiary of the policy.

The beneficiary is the person who receives the proceeds from your life insurance when you die.

This is the most common way to buy life insurance - buying coverage on yourself.

There are many common reasons someone would choose to purchase life insurance including to replace income, pay off mortgage, provide for spouse's retirement, etc.

Learn more about buying life insurance on yourself.

What is the Best Life Insurance Term or Whole?

When purchasing a life insurance plan it’s important that you consider what type of coverage may provide you and your loved ones with the protection you need at the most affordable price.

How Do You Choose the Right Type of Life Insurance Plan?

First, you’ll want to consider a few important issues:

Length of Coverage – How long you need life insurance protection to last.

Cost – What you can afford to spend each month.

Amount of Insurance – How much life insurance will meet your current and future needs.

Learn more about deciding whether term or whole life is the best life insurance coverage.

What is the Best Guaranteed Acceptance Life Insurance?

Have you been turned down for life insurance?

Whether you are over 70, have health issues or have been denied coverage, you may be searching for a guaranteed approval life insurance plan.

But, which is the best insurance carrier for guaranteed life insurance?

There are several highly-rated insurance companies to choose from for your guaranteed issue life insurance policy including United of Omaha, Gerber Life, MetLife, and AARP/NewYork Life, among others.

For example, United of Omaha Life Insurance offers guaranteed issue coverage for people age 45 to 85. You can select from $3,000 up to $25,000 of protection.

You won't have to take any medical exam or answer any questions about your health. And, rates start as low as $8.80 per month.

Here's how to learn more about finding the best guaranteed approval life insurance plan.

Which is the Best Life Insurance Company in the USA?

I want to buy life insurance from a top-rated insurer, but which are the best life insurance carriers?

When it comes to finding the best company for life insurance you may want to consider some of the most well-known, highly-respected life insurance companies which including Prudential, MetLife, New York Life, Northwestern Mutual and Mass Mutual, among others.

When selecting a life insurer make sure you take into consideration how long the company has been in business, the reputation of the insurer, total assets, number of policyholders, and financial strength rating.

In addition, you'll want to compare pricing among the best life insurers to assist you in finding the most affordable policy.

Here is a list of the 10 best life insurance companies in the USA.

How Much Burial Insurance Do I Need?

If your planning for your final expenses you may be wondering how much insurance you need to pay for your funeral and burial costs.

On average, according to a survey from the National Funeral Director's Association, the average cost of funeral and burial expenses can be as much as $8,500 when you take into consideration the cost of a burial, casket, flowers, memorial, vault and other related expenses.

There are burial insurance plans offering from $2,500 up to $25,000 or more depending on the insurance company.

And, these plans may offer guaranteed approval, which means you cannot be denied coverage if you meet the age requirements.

Learn more about how much burial insurance you need.

Life Insurance for Burial Expenses

Is there life insurance I can buy to help pay for my burial and funeral expenses?

Yes, there are small life insurance plans that offer up to $25,000 of life insurance that can assist your loved one sin having the funds needed to cover the cost of your burial and funeral.

Depending on your burial and funeral, the average cost may be as high as $7,700 or more.

If you don't have enough saved, your family may be stuck covering these final expenses.

With life insurance for burial expenses you can get the coverage you need without having to take any health exam or answer any questions about your health. And, there are plans that offer guaranteed approval, so you cannot be turned down.

Term Life Insurance Conversion to Whole Life Insurance?

Can I convert my term life insurance policy into a permanent life insurance plan?

Yes, if you have a convertible term life insurance policy it offers the option to convert your coverage to permanent life insurance, if requested by a specific date stated in your life insurance contract.

In order to convert your coverage you will need to contact your life insurance company (or agent) and request in writing the conversion of your life insurance policy to permanent coverage.

The premium you pay for your permanent coverage will be much higher than you paid for temporary (term) life insurance, and will be based on your age at time of conversion.

Learn more about converting term life to whole life.

Term Life vs Accidental Death Insurance

How does term insurance compare to accidental death insurance coverage?

Term life and accidental death are two different types of life insurance policies.

Term insurance pays out a death benefit if you die from an accident or natural causes.

Whereas, accidental death policies only pay out a death benefit if the insured person dies as a result of an accident.

And, the insured must die usually within 3 months of the accident in order for accidental death to pay out a death benefit.

Learn more about term life versus accidental death coverage.

Can Term Life Insurance Be Renewed?

Can you renew a term life insurance policy?

Yes, many term life insurance policies are renewable, which means you may renew your term insurance for another term , usually up to 10 years.

However, some term life plans offer renewable coverage that increases your premiums each and every year after your initial rate guarantee period which may be 10, 15, 20 or 30 years.

It may be cheaper to purchase a new term life insurance policy instead of renewing your current plan.

To learn more, read this article - Can Term Life Insurance Be Renewed?

What Length of Coverage for Term Life Insurance Do I Need?

When buying term life insurance one of the most important questions to consider is how long do you need your life insurance coverage to last?

You will find this out by considering what goal you want your life insurance to accomplish, and how long it will take to accomplish you goal.

For instance, do you want to make sure your 20 year home mortgage is paid off in the event if your death?

Or, do you want to make sure your young child can go to college if you pass away unexpectedly?

The answer will help you decide the longest period of time you need life insurance, and better prepare you for selecting the proper duration for your term life insurance to last.

To learn more, read this article: What Length Term Life Insurance Do I Need?

Online Term Life Insurance without Medical Tests?

Which insurance companies offer term life insurance without any medical testing required?

There are several highly-rated life insurers that offer no test term life insurance plans online with up to $1,000,000 of coverage available for qualified applicants.

Some of the leading providers of term insurance without tests include Haven Life, Sagicor Life and Globe Life, among others.

Online term life plans offer you the option of purchasing your life insurance coverage direct online and starting your policy immediately upon approval - with no medical tests needed.

That means you may start protecting your loved ones today without the hassles and delays of a physical exam.

Although the premium may be higher than you would pay for a fully underwritten life insurance policy requiring an exam, you have the peace of mind knowing your family is protected.

Here's how to get online term insurance without medical tests today.

Life Insurance without any Medical Questions Asked?

Is it possible to purchase a life insurance policy without having to answer any questions about the condition of my health?

Yes, if you meet the age requirements for approval, you may buy life insurance without answering any questions about the condition of your health, or your health history.

These are called "Guaranteed Approval" life insurance policies, which means you cannot be turned down for coverage due to any pre-existing health issues.

Also, there's no health examination required and no health questions asked of you.

So, even if you are over 70, have been denied coverage, or you have a pre-existing health problem, you can still get insured for life insurance.

Here's how to get life insurance with no medical questions asked.

What Type of Life Insurance Do I Need for a Mortgage?

If you are considering the purchase of a new home you may be applying for a mortgage loan and wondering if you need life insurance to protect your mortgage.

Actually, no life insurance is needed for a mortgage. There are PMI (Private Mortgage Insurance) plans required if you are putting down less than 20% as a down payment on your new home. 

PMI protects the lender and pays the lender back on your mortgage loan in case you pass away before the loan is paid off.

Learn more about What type of life insurance do I need for a mortgage?

How to Buy Life Insurance without an Agent?

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

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

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

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

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

How is a Life Insurance Policy Priced?

How Does an Insurance Company Determine Your Premiums? 

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

So, how are premiums determined?

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

Learn more about how life insurance is priced?

Senior Life Insurance without taking a Medical Exam

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

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

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

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

What is Payback Life Insurance?

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

Can you get your premiums back?

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

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

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

Learn more about term life insurance with payback of premiums.

How to Get Life Insurance without Waiting

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

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

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

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

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

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

Buy Final Expense Insurance

Can I buy a final expense life insurance policy?

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

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

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

Here's how to buy final expense insurance coverage.

What is Term Insurance and How Does It Work?

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

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

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

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

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

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

Term Life Insurance Disadvantages

What are the disadvantages of a term life insurance policy?

When it comes to finding the most affordable, easy to understand life insurance plan, term insurance may be the one to consider.

However, term life insurance does have a couple of drawbacks.

Term life is temporary which means you may outlive the life of your life insurance protection.

In addiiton, term life is pure protection, it does not build any cash value so you cannot take a loan from your term life policy.

Learn more about term life insurance disadvantages before choosing your life insurance plan.

I Need Cheap Life Insurance Coverage

If you're in need of cheap life insurance protection you'll want to consider the following tips when choosing your policy:

How long do you need your life insurance protection to last?

If it's for 30 years or less, term life insurance can offer you the lowest prices available.

Compare pricing among several of the top life insurers because rates do vary by carrier and it may help you save hundreds of dollars per year on your life insurance policy.

Use a needs calculator to help you accurately determine how much life insurance you really need so you aren't paying for more coverage than you need.

Do you need cheap life insurance?

Buy Mortgage Insurance Online

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

If you're purchasing mortgage insurance you'll want to consider the following key issues:

How much life insurance coverage do you need?

Will your premiums ever increase during the life of your insurance policy?

How long will your mortgage insurance last?

How much will the protection cost?

Will the amount of life insurance provided by your policy remain the same throughout the life of your plan?

Learn more about buying mortgage insurance protection.

How to Buy Burial Insurance?

Can I buy a burial insurance policy?

Yes, there are burial life insurance plans that offer guaranteed acceptance for people between the ages of 45-85.

That means, you are guaranteed approval if you meet the age requirements, even if you have a pre-existing health problem.

Although some life insurers may have different age requirements, United of Omaha offers guaranteed coverage for people 45 to 85.

The amount of life insurance coverage available may vary by life insurer, but some offer up to $25,000 of coverage.

There are no doctor exams required and no health questions asked for guaranteed burial insurance.

Here's how to buy burial insurance.

What Makes Your Life Insurance Policy Cost More?

When it comes to shopping for a life insurance policy, what factors will adversely affect the price you pay for life insurance?

The cost of a life insurance is based on several things which include the type, amount and duration of your life insurance.

Also, your personal risk factors impact pricing - these are things which may shorten your life expectancy, including your health, gender, age, hobbies, occupation, tobacco use, driving record,height-to-weight ratio, etc.

The younger and healthier you are, the lower your cost of coverage. But, if you have health issues, smoke, have a high risk job or high risk hobby, or you are older, you will pay more for life insurance.

Learn more about what makes life insurance cost more and how to find the most affordable life insurance plan.

What is the Cheapest Way to Buy Term Life Insurance?

When to comes to purchasing a term life insurance policy there are several things you can do which may assist you in lowering the cost of your coverage.

To start, you can comparison shop for the lowest rates available by requesting a free quote online. That way, you can objectively find the best pricing from a network of leading insurance carriers.

In addition, you can use a life insurance needs calculator to help you figure out how much coverage you need, so you areal;t spending money on more life insurance than you really need.

Be sure to choose the right duration (term) of coverage that meets your needs. Remember, the longer the "term" of your policy, the higher your annual cost of life insurance.

Get healthy, lose weight, lower your cholesterol and start exercising. These things may help you get healthier and get better results on your life insurance health exam which may lead to lower premiums.

Quit smoking - Smokers may pay up to 2-4 times more for the same amount of life insurance compared to smokers.

Learn more about the cheapest way to buy term life insurance.

Globe Senior Life Insurance

Are you a senior in need of affordable life insurance protection for your family?

If so, Globe Life can help you get the coverage you need.

With Globe Life the entire life insurance buying process is simple – You just request your free information online in a minute. You can get an instant price quote.

And, there’s no waiting period or physical examinations required, you just answer a few simple yes/no health questions.

You may choose from $5,000 to $50,000 of life insurance coverage. Learn more about Globe Life Insurance for Seniors.

What is Guaranteed Acceptance Life Insurance Coverage?

A guaranteed issue life insurance policy provides anyone who meets the age requirements a way to get life insurance protection regardless of his or her health.

Even if you have already been denied or turned down for life insurance from one or multiple insurance companies, you can still get guaranteed approval life insurance.

Although there are more affordable plans available, if you have been having difficulty getting insured, this may be your last and best option.

Keep in mind, you may purchase guaranteed coverage from more than one life insurance carrier.

Most plans offer a maximum of $25,000 of coverage and there are limited death benefits the first two years you are insured.

To learn more read this article: What is Guaranteed Approval Life Insurance?

Why Buy Life Insurance Outside of Work?

Do you have life insurance through your employer?

If you're like many of us with a job that provides employee benefits you may have group life insurance protection through your employer.

However, most of these plans have limitations on the amount of life insurance you receive, usually 1-2 times your annual income.

In addiiton, these plans do not follow you if you were to leave your current employer for any reason; such as, being fired, taking another job, or your company going out of business.

That's why you may want to consider getting your own personal life insurance policy separate from the coverage you have through your employer-provided program.

That way, no matter what the future holds you will be insured with your own life insurance you can keep no matter where you are working, or not working.

To learn more, read this article - Why Buy Life Insurance Outside of Work?

Can You Buy Multiple Term Life Insurance Policies?

Yes, it is possible for someone to purchase more than one term life policy?

As you get older and take on more financial responsibility, your need for more coverage may increase to protect your growing family.

Life insurance companies understand about possible life changes and a growing need for additional life insurance, which is why they allow you to have more than one term life policy.

For instance, a young family may have a 30 year term policy to protect the mortgage, and a 20 year term policy to guarantee there is money for the kids to go to college in case the main breadwinner of the family passes away unexpectedly.

Also, it's a good idea to have coverage on both you and your spouse or partner, if it's needed. Whether you both work or just one of you, the one not earning an income still contributes in many ways to the family and it would be costly to pay someone to do everything a home maker does for a family if that person were to pass away.

Here's how you can learn more about the question "Can You Buy Multiple Term Life Insurance Policies?"

When Should I Buy Life Insurance for My Child?

If you're new parents or have young children you may be considering the purchase of life insurance coverage for your child.

Child life insurance offers several important benefits for your family and your children.

They can provide funds to pay for your child's final expenses, build cash value inside the policy for your child's future, guarantee your child's insurability as an adult, and guarantee your child can add more coverage when reaching adulthood.

The best way to go is to lock-in the lowest rate while your child is young and healthy, so the sooner the better. We're all well-aware of the number of young children in the US developing diabetes or becoming overweight, both of which make it difficult to get affordable life insurance.

Purchasing coverage now for your child will guarantee lifetime protection no matter what the future holds.

To learn more, read this article about "When should I buy life insurance for my child?"

Questions to Ask About Term Life Insurance

What are some questions I should ask about when buying a term life insurance policy?

When it comes to term insurance there are several key questions you'll want to get answers to in order to assist you in choosing the right plan and insurance carrier.

Questions to Ask About Term Life Insurance:

What goal do you want your life insurance to accomplish?
How long do you need your life insurance to last?
What can you afford to spend on life insurance each month?
How much life insurance protection do you need?
Do you need the option to renew your coverage in the future should your life insurance needs change?

Here's how to learn more about term life insurance questions to ask and how to find affordable coverage from a highly-rated insurance company.

Why Use a Life Insurance Calculator?

If you're shopping for life insurance protection one of the most important things to consider is how much life insurance you need to protect your family?

Why is choosing the right amount of life insurance coverage so important?

Because, you want to make sure the life insurance can accomplish the goals you set for your coverage, and you don't want to pay for coverage you don't need.

Using a calculator to determine your need for life insurance is simple.

You just answer some basic questions about your financial situation and click on a button to instantly see how much life insurance you need for your personal situation.

Here's a quick and easy life insurance calculator to help you accurately estimate your life insurance needs.