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.