Tuesday, December 31, 2019

Graded Death Benefit Life Insurance Policy


What is a life insurance plan with graded benefits and how does it work?

It's a type of life insurance plan that guarantees your approval for coverage even if you have health issues.

In return for insuring you, there are limited death benefits payable the first 2 (or 3) years you are insured.

However, if the insured person dies after the graded death benefit period, 100% of the death benefit is paid out to the beneficiary of the life insurance policy.

Learn more about how a graded death benefit life insurance policy works.

Saturday, December 28, 2019

Is there Life Insurance for Seniors?


Yes, there are life insurance policies available for senior citizens.

In fact, seniors may be able to choose from several different types of plans, including Permanent Life Insurance, Term Life Insurance, or Guaranteed Issue Life Insurance.

However, the premium you are charged and whether or not you are accepted for coverage will depend on your age, health, tobacco use, and other key factors the insurer takes into consideration when you apply for life insurance.

Term life is the most affordable coverage because it provides temporary protection, usually you can choose from 5, 10, 15 or 20 years of term life for seniors.

Whereas, permanent life insurance costs more because it provides guaranteed lifetime protection.

Here's how to learn more about life insurance for seniors, and request your free life insurance quote online.

Monday, December 23, 2019

Colonial Penn vs Globe Senior Life Insurance


How does Colonial Penn compare to Globe Senior Life Insurance?

When comparing Globe Life with Colonial Penn for seniors you'll want to look at the pricing,Financial strength ratings of the insurers, amount of life insurance available, age requirements, and reputation of the insurer, too.

Globe Life offers coverage for people ages 18 to 78, while Colonial Penn provides coverage for people ages 50 to 85.

Globe Life is rated A+ by AM Best Company, while Colonial Penn is rated A- for financial strength.

Here's how you can compare compare Colonial Penn vs Globe Senior Life Insurance.

Friday, December 20, 2019

Why People Buy Final Expense Plans


Why would someone purchase a final expense insurance policy?

There are several reasons someone would choose to purchase a final expense plan, including:

1. Peace of mind.

2. To pay for a parent or sibling's final expenses.

3. To pay for their own final expenses.

4. To guarantee their loved ones would not suffer the financial stress of having to find a way to cover the cost of the person's end of life expenses.

Many people who do not have enough money saved to pay for their own final expenses choose to purchase a life insurance plan to cover the cost of their final expenses including burial and funeral costs.

Learn more about why people buy final expense plans.

Tuesday, December 17, 2019

Best Term Life Insurance to Get?


Which type of term life insurance policy is best?

For starters, level term life insurance has by far the most popular type of temporary life insurance plan.

Level Term offers the lowest rates and provides coverage that never decreases during your policy term, and the premiums remain the same for the life (term) of your policy.

In addition, there are other types of term policy, including Decreasing Term, Annual Renewable Term, Return of Premium Term, and No Exam Term.

However, level term offers the most coverage for your money.

Learn more about the best term life insurance to get.

Saturday, December 14, 2019

Life Insurance to Cover Mortgage Balance


Is there life insurance to pay off the balance on my mortgage?

Yes. There are term life insurance policies available that can help to provide the funds needed to pay off your remaining balance on your mortgage should you die before it is fully repaid.

Term life allows you to select coverage for a duration of 10, 15, 20, 25 or 30 years to match the duration of your mortgage loan.

And, you can select the amount of coverage that matches the amount you currently owe on your mortgage.

The proceeds will go to your beneficiary and can be used to pay off the remaining balance on your mortgage loan should you die before your term life insurance coverage expires.

Learn more about mortgage balance life insurance coverage.

Wednesday, December 11, 2019

Death Benefit Term Life Insurance


What is a death benefit for term life insurance?

Actually, term life insurance is temporary life insurance that provides coverage for a limited period of time.

Term life is death benefit coverage only, not an investment.

There is no cash value feature of a term life policy, it only provides a death benefit.

That’s why it is referred to as "Pure Protection", not an investment.

If the insured person dies during the term life policy term, while coverage is In Force, the death benefit is paid out to the beneficiary of the policy, subject to any exclusions stated in the policy.

Learn more about term life insurance death benefits.

Sunday, December 8, 2019

At What Age Does Life Insurance Require a Physical?


It is usual for a life insurance carrier to require the applicant for coverage to take a health exam.

The life insurer uses the information from the exam to determine your health and how long you may be expected to live.

The health examination is paid for by the insurance company.

Usually, if you are over age 30, seeking more than $50,000 of life insurance, you smoke, or have health issues, you would be required to take a physical examination.

Learn more about at what age life insurance requires a physical examination.

Thursday, December 5, 2019

End of Life Insurance Providers


What insurance companies provide end of life insurance coverage?

Usually, people buying end of life insurance plans are people over 40 years of age who are planning for their final expenses.

The cost of final expense coverage usually requires about $5,000 to $15,000 of life insurance, depending on what you want your funeral and burial to include.

There are several highly-rated insurance carriers that offer Guaranteed-Issue life insurance plans for people ages 45-85 that guarantees approval for coverage without any health exams or health questions asked.

These plans may provide up to $25,000 of life insurance coverage.

Some of the top end of life insurance providers include United of Omaha, AIG, AAA, MetLife, Gerber and Colonial Penn, among others.

Monday, December 2, 2019

Can I Buy Life Insurance Online?


Yes, you may be able to purchase up to $100,000 of life insurance online without having to take any health exams.

In fact, one well-known life insurance carrier offers qualified applicants up to $100,000 of life insurance direct online.

You won't have to take a physical exam, just answer a few simple Yes/No health questions.

This plan may be available for healthy individuals between the ages of 20 to 70.

You can request a free quote and apply online in about 5-10 minutes.

You may even purchase coverage for your spouse, too.

Here's how to buy life insurance online.

Friday, November 29, 2019

Why Term Life Insurance is Best?


Is term life insurance the best option for you if you are looking to buy life insurance coverage?

Actually, it really depends on your situation, your needs, and what you want your life insurance policy to accomplish.

However, if you need life insurance that will provide protection for a duration of 30 years or less, then term life insurance may be the best option.

But why Term Life Insurance?

Because, it offers the cheapest rates by far for life insurance, which means you can afford to buy more coverage for your loved ones.

In addition, it offers flexibility for you to choose coverage that will last for 10, 15, 20, 25 or 30 years - to meet your specific needs.

And, it offers the options to renew coverage or convert your policy to permanent insurance in the future.

Term life is affordable, easy-to-understand, flexible, and gives you the most protection for your money.

Learn more about why term life insurance is best.

Tuesday, November 26, 2019

Funeral Insurance for Seniors


Is there funeral insurance available for senior citizens?

Yes. In fact, most funeral expense life insurance plans are geared toward people who are between the ages of 45 to 75, or older.

These funeral plans offer usually Guaranteed-Approval. The age requirements for acceptance may vary by life insurance company.

Guaranteed approval means you can't be denied a policy due to any pre-existing health conditions.

And, rates may start as low as $8.80 per month, depending on the amount of coverage you need, your age and gender; as well as, the state in which you reside.

Some insurance carriers offer up to $20,000 or more of life insurance for funeral expenses.

The average cost of a funeral including related expenses is around $8,755 - so you may want to take that figure into consideration when choosing the amount of insurance you wish to purchase.

Here's how to get funeral insurance for seniors.

Saturday, November 23, 2019

Funeral Insurance Rates


What are rates for funeral insurance and how do funeral insurance rates work?

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

Your personal rate for the insurance is based on several factors, including your gender, age, state of residence, among other things.

Women will pay a lower rate per $1,000 than men because women have a longer life expectancy on average.

Some insurers offer funeral expense insurance with premiums as low as $8.80 per month; however, your rate and corresponding premium will vary by insurance company.

Your rate will remain the same for the life of your funeral insurance policy, in most cases. That's why it is important to ask about this before purchasing your coverage.

Here's how to compare funeral insurance rates.

Wednesday, November 20, 2019

Immediate Death Benefit Life Insurance


Yes, there are life insurance policies that offer immediate death benefits.

In fact, most life insurance plans are issued with immediate coverage, once you have been accepted for insurance, and paid your first month's premiums, your life insurance coverage goes into effect the same day.

However, graded death benefits life insurance, also known as, guaranteed issue coverage, has limited death benefits the first 2 or 3 years you are insured.

That is how the life insurance company can guarantee your acceptance for coverage, even if you have serious pre-existing health conditions, or you have been turned down by other insurance carriers.

Some immediate death benefit life insurance plans offer you the option to apply online in minutes, and if approved, start your life insurance coverage right away.

Sunday, November 17, 2019

What Happens When Your Term Life Insurance Policy Expires?


What are my options when my term life insurance plan expires?

If you own a term insurance policy, you may have several options to choose from when your coverage ends.

You may choose to go without any life insurance protection at all.

You may purchase a new life insurance policy, either term or permanent coverage.

You may be able to renew your expiring term life policy for an additional term, usually up to ten years.

Keep in mind, if you have any serious health conditions you may want to renew coverage if you need it, since your health may prove difficult to qualify for affordable life insurance protection.

Learn more about what happens when your term life insurance policy expires.

Thursday, November 14, 2019

Life Insurance Quotes Online Only


Is it possible to get instant life insurance quotes over the internet, strictly online, not be email or over the phone?

Yes, although some life insurance quote providers email you the quotes, or sell your information to life insurance brokers who will contact you by phone to give you your quotes, there are insurance websites offering instant life insurance quote comparisons direct to your screen without any delays or hassles.

In fact, once you fill out a short Quote Request Form, you may receive your life insurance quotes in 15 seconds or less.

It's quick and easy to get online quotes and there's no obligation to buy.

Here's how to get life insurance quotes online only.

Monday, November 11, 2019

Who Should Buy Guaranteed Issue Life Insurance?


If you've been declined for life insurance coverage, or you're finding it difficult to get insured, you may be wondering if guaranteed issue life insurance is right for you.

Usually, people consider a guaranteed issue life insurance plan as an option of last resort, if they are unable to get insured.

There are many reasons why you may be considering guaranteed issue insurance.

Some of the main reasons for choosing guaranteed life policies may include: COPD, emphysema, obesity, cancer, AIDS, liver disease, or some other chronic health condition that is usually considered uninsurable. Request a free quote.

However, even if you've been turned down by other life insurers, you may still be able to get a guaranteed acceptance policy.

To learn more, read this article: "Who Should Buy Guaranteed Issue Life Insurance?".

Friday, November 8, 2019

Final Expense Insurance Quotes


What is a final expense quote for life insurance coverage?

It's an estimated price of how much it would cost you to purchase a policy for final expenses coverage

What does final expense insurance cost?

The pricing on final expense policies varies by insurers; however, your price will depend on your age, gender, amount of coverage and state of your residence.

Some plans start for as little as $8.80 per month.

How much final expenses life insurance can I purchase?

That depends on the insurance company. However, some insurers offer up to $25,000 of final expense life insurance.

You may be able to purchase a policy from more than one insurance carrier.

Here's how to get a final expense insurance quote.

Tuesday, November 5, 2019

Whole Life Insurance for Seniors


Can senior citizens buy whole life insurance policies?

Yes, there are whole life policies, also known as, permanent insurance policies available for senior citizens.

These whole life plans provide guaranteed lifetime protection, as long as the premiums are paid on time.

Whole life insurance provides a death benefit payout upon the passing of the insured person. These permanent insurance plans also build up cash value inside the policy, from which you may take a loan. Request a free quote.

Your life insurance premiums remain the same, and your insurance coverage does not decline, or expire.

There are guaranteed-issue permanent life policies for seniors age 45 to 85. Guaranteed coverage means you can't be turned down due to any pre-existing health condition.

Here's how to buy whole life insurance policies for seniors.

Saturday, November 2, 2019

United Omaha vs. Funeral Advantage


How does United of Omaha final expense life insurance coverage compare to Funeral Advantage?

Both life insurance plans are for people who are in need of death benefits to cover the cost of their final expenses, including funeral and burial expenses.

Each final expense plan has their own age requirements and maximum amounts of coverage available.

In addition, the requirements for approval vary by life insurer.

For example, United of Omaha offers guaranteed acceptance for people between the ages of 45 to 85. There is no health examination required and no health questions asked.

And, the maximum amount of guaranteed-issue life insurance available from United of Omaha is $25,000.

Learn more about final expense insurance by comparing United Omaha vs Funeral Advantage.

Wednesday, October 30, 2019

What Does Guaranteed Acceptance Mean?


Guaranteed acceptance is a phrase used in life insurance which refers to a type of life insurance policy that offers guaranteed approval.

Also known as guaranteed issue life insurance, guaranteed acceptance policies are offered as an option for people who are older or having difficulty getting insured for life insurance.

With guaranteed approval plans you cannot be turned down for coverage due to any health issues.

As long as you meet the age requirements and can pay the premiums, you can get insured for life insurance. Request a free quote.

However, these plans offer a limited amount of life insurance and the rate charged for coverage is higher than for standard life insurance policies.

Learn more about what guaranteed acceptance means for life insurance.

Sunday, October 27, 2019

How Life Insurance Works After Death


How does life insurance coverage work after you die?

Once you have passed away, your beneficiary would need to contact your life insurance company and make a claim on your policy in order to receive the death benefits from your insurance.

That's why it is so important to make sure you let your beneficiary know that you have life insurance, where the policy is located, and what to do once you've died, so they can get the proceeds from your life insurance.

Learn more about how life insurance work after you die.

Thursday, October 24, 2019

Life Insurance for Income Protection


Is there life insurance I can get to protect my income for my family if I die?

Yes, there are life insurance plans available to help protect (replace) your income for your family should you die.

Term life is the most affordable option, offering coverage for a period of up to 30 years.

The proceeds from the life insurance policy go to your beneficiaries and can be used for any purpose; such as, to pay for living expenses, pay off debt, and maintain your family's lifestyle.

Here's how to get life insurance for income protection.

Monday, October 21, 2019

Shopping for Multiple Life Insurance Quotes


How can I get multiple quotes for life insurance?

It's simple. To compare multiple quotes for life insurance you just visit a life insurance website online and fill out a short Quote Request form.

It only takes a minute, and then you instantly see the lowest prices from the insurers offered.

Make sure you answer all questions truthfully when requesting a free quote, especially if you smoke or not.

By comparing multiple life insurance quotes you may save quite a bit of money on your policy.

Here's how to compare multiple life insurance quotes online.

Friday, October 18, 2019

Can You Be Denied Life Insurance?


Yes, you can be turned down for life insurance coverage.

There are many reasons why someone may be turned down for life insurance.

Some of the most common reasons for being declined for life insurance include old age, poor health, history of cancer, drug and/or alcohol abuse, DUI's, high risk occupation or high risk hobbies, among other things.

However, you may still have other options available for life insurance, including contacting high risk life insurance carriers and brokers who specialize in placing life insurance for high risk people - or buying guaranteed issue life insurance.

Learn more about whether you can be denied life insurance and what to do.

Tuesday, October 15, 2019

Life Insurance to Pay off Debt?


Can I buy life insurance coverage to pay off my debt?

Yes, you may purchase term life or permanent life insurance, and the proceeds may be used by your beneficiary to pay off any debt you leave behind upon your death.

Many people use life insurance to provide their loved ones with the funds needed to pay off their remaining debt.

For example, 20 or 30-year term life insurance is often used to provide mortgage protection, so your family has the money needed to pay off the mortgage loan should you die before it is fully repaid.

Some common debts people use life insurance to pay off include home mortgage, auto mortgage, personal loans, college loans, taxes owed the IRS, and hospital and healthcare bills, among other things.

Here's how to get affordable life insurance to pay off debt.

Saturday, October 12, 2019

The Easiest Life Insurance to Get


What is the easiest life insurance plan to buy?

The quickest and easiest way to get life insurance is to purchase a quick-issue, simplified term life insurance policy over the internet.

Today there are several life insurers that offer same-day coverage to qualified applicants who are healthy and between the age of 18 to 60.

You can apply online and qualify to purchase coverage in as little as 15 minutes.

Although there are no exams needed, you will be required to answer some questions about your health.

Here's how to get the easiest life insurance coverage.

Wednesday, October 9, 2019

Is There A Life Insurance Policy Where You Get Money Back?


Is there any life insurance where you can get money back on your policy?

Yes. It's called "Return of Premium" term life insurance and it returns almost all of the premiums you paid throughout the life of your policy, if you outlive the policy term.

However, the premiums you pay for this type of policy are higher than for regular term life that does not return your premiums.

Learn more about how to buy a life insurance policy where you get money back.

Monday, October 7, 2019

Can I Buy Funeral Insurance for My Parents?


Yes, adult children may purchase funeral insurance for their parents.

However, an insurable interest is required in someone you wish to insure for life insurance.

Insurable interest does exist between parents and their adult children.

And, there are even guaranteed issue funeral life insurance plans available for your parents if they are between the ages of 45 to 85.

That means there is no exam needed and you won’t have to answer any questions about the health of your parents.

Learn more about how to buy funeral insurance for your parents.

Friday, October 4, 2019

Direct Purchase of Life Insurance without an Agent


Can I buy life insurance direct online if I don't have an agent?

Yes, in. fact, if you qualify for coverage, you may purchase and begin your life insurance policy today.

Several highly-rated insurance companies now offer instant issue life insurance policies you may purchase online without an agent.

One highly-rated insurer even offers up to $2,000,000 of coverage for qualified applicants.

Usually, you need to be healthy and between the ages of 20 to 60 to qualify for online instant issue life insurance plans.

Here's how to purchase direct life insurance without an agent over the internet today.

Tuesday, October 1, 2019

Which is the Cheapest Life Insurance: Term Life or Whole Life?


If you're looking for the cheapest life insurance, you'll want to check out the pricing offered on term life insurance policies.

In fact, whole life insurance can cost up to 10 times more than term coverage for the dame amount of life insurance protection.

Term life is much cheaper than whole life because term life is temporary coverage lasting for up to 30 years, while whole life insurance provides lifetime protection.

In addition, term life is "Pure Protection", meaning you receive life insurance, not any investment.

And, you may outlive the duration of a term life policy.

Learn more about term life versus whole life insurance coverage.

Saturday, September 28, 2019

Do Insurance Companies Drug Test?


Actually, if you are applying for a life insurance policy, it is standard that you would take a medical exam and drug testing of your blood or urine.

Insurers drug test to make sure you have been honest when answering the questions on the app verify your health.

Some insurers may decline you, or charge a higher rate if you take drugs.

Also, they want to check on whether you have a drug problem, or take drugs on a regular basis, both legal and illegal drugs.

Learn more about life insurance companies and drug testing.

Wednesday, September 25, 2019

Can I Buy Burial Insurance on My Aunt?


Yes, you may be able to purchase burial insurance on your aunt.

However, in order to buy life insurance on someone else, you need an Insurable Interest in the person you wish to insure.

If you rely on your aunt for financial support, she owes you money, or you would suffer a financial loss should she die, then you have an insurable interest in her, and you may purchase life insurance on your aunt.

Learn how to buy a burial insurance on your aunt.

Sunday, September 22, 2019

30 Year Level Term Insurance Policy


What is a 30 year level term life insurance plan?

It's a type of life insurance providing temporary coverage which lasts for a period of thirty years.

The amount of life insurance never increases or decreases during the policy term, and the premiums you pay remain level (the same) for the entire 30 years of your life insurance coverage.

Learn more about how a 30 year level term insurance policy works.

Thursday, September 19, 2019

Term Life Insurance Things to Know


If you're considering the purchase of a term life insurance policy, there are some things you should probably know before making your purchase.

For instance, did you know that term life is temporary life insurance? That's right. Which means, you may outlive the duration of your life insurance policy.

And, term life offers several different "term" options so you can choose coverage to meet your specific needs; for example, coverage for a term of 10, 15, 20, 25 or 30 years.

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

Learn more things to know about term life insurance coverage.

Monday, September 16, 2019

Term Life Insurance Monthly Cost?


What is the monthly cost for term life insurance?

The quickest and easiest way for you to find out how much term life will cost you monthly is to compare term life insurance quotes online.

The price you pay for a term policy will depend on your age, gender and health. As well as, your occupation, hobbies, tobacco use, lifestyle, driving record, height-to-weight ratio and family health history.

In addition, the duration of your term life coverage (Term) and amount of life insurance will impact your price for coverage.

However, keep in mind, annual premium payments can save you money instead of paying monthly, since there is a service fee added for the additional processing of more payments.

Learn more about the monthly cost of term life insurance coverage.

Friday, September 13, 2019

Life Insurance Policy with No Waiting Period


Can I purchase a life insurance policy without a waiting period?

Yes, most life insurers offer immediate coverage upon approval and receipt of your first month's premium.

However, some insurers even allow you to apply online for a policy and begin your life insurance coverage the same day, if you qualify.

That means, no waiting to take a medical exam, because there is no exam.

And, no waiting to get approved by the insurer because some insurers offer same day approval.

Also, these quick issue policies come with a free look period (usually 15-30 days), so you can get your money back if you decide you do not want the policy.

Here's how to buy a life insurance policy with no waiting period.

Tuesday, September 10, 2019

How Does Guaranteed Life Insurance Work?


Guaranteed life insurance is a type of life insurance plan that guarantees your approval for coverage - even if you have health issues or have been turned down for coverage by other life insurers.

If you meet the age requirements for acceptance you are guaranteed approval - and there's no health exams of health questions for you to answer.

However, the amount of coverage available is usually limited to around $20,000.

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

Saturday, September 7, 2019

How to Get the Lowest Term Life Insurance Rates?


If you want to find the best rates on term life insurance you'll want to follow a few helpful tips to assist you in lowering the cost of your policy.

1. Consider annual premiums payments which cost less overall than monthly payments.

2. Compare pricing among several of the leading life insurance carriers.Make sure you don't buy more life insurance than you really need.

3. Select the proper term (duration) of coverage that meets your specific needs.

4. Buy life insurance while you are young and healthy, it costs a lot less than waiting until you are older and have health issues.

Learn more about how to get the lowest rates on term life insurance.

Wednesday, September 4, 2019

$20,000 of Final Expense Insurance with No Questions Asked


Can I buy $20,000 of life insurance with no questions asked to cover my final expenses?

Yes, there are final expense life insurance policies available that offer from $3,000 up to $25,000 of coverage.

These plans are Guaranteed Issue, which means you are guaranteed approval for a policy if you meet the age requirements.

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

Here's how to get $20,000 of final expense insurance with no health questions asked.

Sunday, September 1, 2019

Can Term Life Insurance Premiums Increase?


Whether or not term premiums increase will depend on the type of term life policy you own.

Some term life plans stay level for the life of your coverage.

While others may increase after a certain number of years.

Level term life insurance, which is the most popular type of term policy, provides coverage with premiums that stay the same for the duration of your policy term.

Learn more about term life insurance premiums and if they increase.

Thursday, August 29, 2019

What is a Life Insurance Grace Period?


The grace period for a life insurance policy is the time after a missed insurance premium is due, where a life insurance policy will not lapse even though the payment is past due.  It means, you still have your life insurance coverage In Force.

The grace period is a very useful feature, whose inclusion in every life insurance policy is mandated by every single state in the United States. 

The Minimum Grace Period varies from 28-31 days depending on individual state laws, but some insurance companies may give longer grace periods.

The grace period officially begins the day the missed premium payment is due, and ends at the close of business after the prescribed number of days have passed.

Learn more about a grace period for life insurance policies.

Monday, August 26, 2019

Are Term Life Insurance Rates Locked In?


That depends on the type of term life insurance plan.

There are several types of term life policies available.

However, not all term plans offer rates that are guaranteed to remain locked-in for an extended period of time (term).

Level term life insurance which is the most popular type of term policy has level premiums with rates that are guaranteed to remain the same for the entire duration of your policy term.

Learn more about term life insurance and locked in rates.

Friday, August 23, 2019

Term Life Insurance Do You Get Money Back?


If you are shopping for a term life insurance policy, you may be wondering if you get any money back should you outlive the duration of your coverage.

It's a good question and something you should find out about before you buy a policy.

Traditional term life insurance is much cheaper than permanent life insurance, because many people do outlive their coverage.

However, if you are alive when your term policy expires, there is no payout of benefits and no premium return.

You don't get any money back, unless you purchased a Return of Premium term life policy, which charges higher premiums than traditional term insurance.

Learn more about getting money back on term life insurance policies.

Tuesday, August 20, 2019

What Life Insurance Do I Need for Mortgage?


If you're putting down less than 20% for a down payment on your new home, then you may be required to purchase PMI insurance, to protect the lender.

However, if PMI is not required, then you may not need life insurance.

But, it is a good idea to have some life insurance to make sure your loved ones have the money needed to pay off the outstanding balance on your home mortgage loan in case you die before it is fully repaid.

That way, your family will have the money to make the mortgage payments, and remain in their home, should you pass away.

Learn more about what life insurance you need for a mortgage.

Saturday, August 17, 2019

Which Term Life Insurance Policy is Best?


If you need term life insurance protection you may be wondering which type of term life policy is right for you.

There are a few different types of term life plans to choose from including Level Term, Decreasing Term, and Annually Renewable Term, among others.

These plans vary in pricing and coverage, but the most popular type of term policy by far is Level Term life insurance because it offers premiums that never increase during your policy term, and your coverage amount never decreases during your policy term.

Learn more about deciding which term life insurance policy is best suited for your needs.

Wednesday, August 14, 2019

Does Life Insurance Payout at End of Term?


A life insurance policy providing term coverage for a specific period of time does not payout a benefit at the end of the policy term.

Term life insurance only pays out a death benefit upon the death of the insured person, if it occurs during the term of the policy, while the life insurance coverage is paid up and In Force.

If you outlive the duration of your term life policy, your coverage expires, with no payout.

Learn more about if life insurance pays out at the end of the policy term.

Sunday, August 11, 2019

Do You Need End of Life Insurance?


If so, you may want to learn about life insurance to cover your end of life expenses.

No one wants to leave their loved ones with the financial stress of paying for their final expenses when they die.

Imagine your family members mourning your death and finding out they have to pay thousands of dollars to make sure you have a nice funeral and burial.

And, what if you passed away after a prolonged illness leaving medical bills and other debts for your family to pay?

That’s where end of life life insurance plans can help – making sure the people you truly care about don’t have to suffer under a burden of your debts when you pass away.

Find out if you need end of life life insurance.

Thursday, August 8, 2019

Life Insurance Policy without Medical Questions


Can I buy life insurance without any medical questions?

Yes. It's called "Guaranteed Approval" life insurance and it offers guaranteed approval for anyone who meets the age requirements for acceptance.

Guaranteed issue means you cannot be turned down for coverage do to any health problems, if you meet the age requirements. Request a free quote.

The age requirements for approval may vary by carrier from ages 45-75, 40-80, or even 45-85 years old.

Here's how to get life insurance without any medical questions asked.

Monday, August 5, 2019

What is Term Life Insurance Used For?


If you need life insurance you may be wondering why people choose term life insurance protection.

Term insurance is a form of temporary life insurance lasting for a period of up to 30 years, and it offers the lowest pricing available on life insurance plans.

So, if you need your life insurance protection for a period of 30 years or less, term life is the option for you.

Permanent life insurance provides lifetime protection, but costs up to 5-10 times more than the same amount of term life insurance.

And, with term life, you have the flexibility to choose coverage for a term of 10, 15, 20, 25 or 30 years, to meet your specific needs.

Learn more about what a term life insurance policy is used for.

Friday, August 2, 2019

Fidelity Life Insurance - Do You Need a Medical Exam?


Actually, most life insurance policies do require the applicant to take a medical examination to find out if he or she qualifies to purchase the life insurance plan.

However, Fidelity Life does offer term life insurance policies with no health exam required.

If you are healthy, and meet the age requirements, you may qualify to buy up to $499,999 of term life insurance without having to take any medical exam at all.

And, Fidelity Life offers competitive pricing on these no exam term life policies.

If you qualify, you may start your Fidelity term life plan in as little as 24-48 hours.

Here's how to learn more about Fidelity Life Insurance with no medical exam needed.

Tuesday, July 30, 2019

How Much Life Insurance Can You Buy?


The amount of life insurance coverage you may purchase will depend on your age and your health.

In addition, the total amount of life insurance you already own will affect how much additional life insurance you can buy.

The insurance company doesn't want any insured person to be Over-Insured.

Another factor limiting how much life insurance you can buy is your budget.

You can't buy more life insurance than you can afford.

Learn more about how much life insurance can you buy?

Saturday, July 27, 2019

When is a Good Time to Buy Life Insurance?


The best time to buy life insurance protection is when you realize you need it. The younger and healthier you are when you buy a life insurance policy, the lower your cost.

Your life expectancy plays a large role in how you are rated for coverage, so - the longer you are expected to live, the lower your cost for life insurance.

Personal risk factors also impact pricing, including your gender, health, lifestyle, tobacco use, etc.

Many people choose to buy life insurance when they experience a major life event; such as, getting married, starting a family, buying a home, or when a loved one passes away.

Learn more about when it's a good time to buy life insurance.

Wednesday, July 24, 2019

Does Life Insurance Pay for Accidental Death?


Yes, life insurance will pay a death benefit if the insured person dies due to an accident.

Usually, life insurance covers death from natural causes and accidents.

However, suicide is usually excluded if it occurs within two years (one year in some states) of the date the life insurance coverage started. Yes, a life insurance policy will pay out a death benefit if the insured person dies as a result of an accident.

Learn more about how life insurance works.

Sunday, July 21, 2019

Buy Term Life Online Instantly


Can I purchase an instant issue term life insurance policy over the internet?

Yes, if you qualify for coverage, you may purchase and start your life insurance coverage immediately.

However, these plans usually are only available for healthy individuals between the ages of 20 to 60.

The amount of coverage available can vary by insurer from $50,000 up to $2,000,000.

Although there is no physical exam, there will be some health questions for you to answer. Make sure to answer all questions truthfully.

It only takes about 10-15 minutes to apply online for your quick-issue term life insurance plan.

Here's how to buy term life online instantly.

Thursday, July 18, 2019

Life Insurance You Can Buy Online


Is there any life insurance plan you can buy online?

Yes, in fact, several life insurance companies offer the option to apply online for life insurance protection.

And, if you qualify, you may be able to start your life insurance policy the same day.

Learn more about life insurance you can buy online.

Monday, July 15, 2019

Can You Buy Life Insurance After Age 80?


Yes, it's possible to purchase life insurance coverage if you are over 80 years old.

However, some insurers may not offer life insurance to people over 80.

In addition, some insurers may only offer guaranteed issue life insurance plans to people over 80.

Guaranteed issue life insurance may be available for people ages 45 to 85.

It guarantees your acceptance for life insurance if you meet the age requirements for approval, and you can pay the premiums.

Learn more about buying life insurance after age 80.

Friday, July 12, 2019

Guaranteed Life Insurance for Seniors over 80


Can seniors over 80 years old get life insurance with guaranteed approval?

Yes. Depending on your age, budget, and the state in which you live, you may be able to get guaranteed issue life insurance if you are over 80 years old.

For example, one highly-rated life insurance carrier offers guaranteed approval life insurance for people ages 45 to 85. Request a free quote.

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

You can even get insured if you have been denied coverage by other insurance carriers.

Keep in mind, guaranteed life insurance has graded (limited) death benefits the first two years you are insured.

Here's how to buy guaranteed life insurance for seniors over 80 years old.

Tuesday, July 9, 2019

Why Would You Buy Term Life Insurance?


Are you considering the purchase of term life insurance coverage?

If so, you may want to review some of the most common reasons people choose to buy term life.

Although term life is inexpensive, it does have drawbacks. Term life is temporary and you may outlive your coverage, which means your policy expires with no payout if you are alive when the coverage term ends.

However, permanent life insurance can cost up to 5 to 10 times more than term coverage for the same amount of insurance.

So, if you need life insurance that lasts for a period of 30 years or less, term life may be a good option for you.

There are many reasons to buy term life, including to pay off your mortgage loan, replace your income, or provide for your child's college education.

Learn more about why would you buy term life insurance protection.

Saturday, July 6, 2019

How Can I Buy Mortgage Life Insurance?


If you're shopping for a mortgage protection life insurance it may be much easier to get insured than you expected.

In fact, you can compare the lowest rates on mortgage life insurance by requesting free quotes and instantly receiving the best prices on your screen.

There are even mortgage life insurance policies available with no physical exam needed for healthy individuals between the age of 20 to 60.

Some insurers even let you apply online and start your policy today, if you qualify for coverage.

Learn more about how to buy mortgage life insurance.

Wednesday, July 3, 2019

Life Insurance For Someone Who Has Cancer


Is to possible for someone with cancer to get insured for life insurance?

It depends on your age and budget.

However, there are guaranteed issue life insurance policies available for anyone age 45 to 85 who can afford the premiums charged for coverage.

With guaranteed issue life insurance, if you live in a state where the insurance company offering coverage os licensed to do business and offers the plan, you may get insured, regardless of your health.

Even if you have a chronic health condition, or you have been denied life insurance by other insurers, you may still be able to purchase life insurance with guaranteed approval.

However, keep in mind, these plans may have limited death benefits the first two years you are insured.

Learn more about buying life insurance for someone who has cancer.

Sunday, June 30, 2019

Death Benefit Only Life Insurance


What is death benefit only life insurance?

It's a type of life insurance that only provides a death benefit, but no cash value/investment feature.

Term life is DBO life insurance, because it is pure protection with no cash value, only a death benefit.

Term life offers protection for a duration of 10, 15, 20, 25 or 30 years.

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

Here's how to learn more about death benefit only life insurance policies.

Thursday, June 27, 2019

No Physical or Health Question Life Insurance


Is there life insurance you can buy without taking any physical exam or answering any health questions?

Yes, these plans are called "Guaranteed Issue" life insurance and offer a limited amount of coverage because anyone may get insured who meets the age requirements for approval, even if they have health problems or have been denied coverage elsewhere. Request a free quote.

Some guaranteed issue plans are available for people ages 45-75, 40-80, or even for those ages 45-85.

Here's how to get no physical or health question life insurance coverage.

Monday, June 24, 2019

Guaranteed Life Insurance for Seniors


Is there any guaranteed acceptance life insurance for senior citizens?

Yes, in fact, one highly-rated insurance carrier offers life insurance with guaranteed approval for people ages 45 to 85. Request a free quote.

Guaranteed issue plans offer guaranteed approval if you meet the age requirements for acceptance.

So, even if you have health problems, or you have been declined for coverage by other insurers, you can still get insured.

Here's how to get guaranteed issue life insurance for senior citizens.

Friday, June 21, 2019

Final Expense Life Insurance with No Medical Questions?


Can I purchase a life insurance policy to cover my final expenses without having to take a medical examination?

Yes, in fact, many final expense policies offer coverage without any health exam required - this is standard.

In addition, there are "Guaranteed-Issue" final expense plans available which means you won't have to answer any questions about your health, and you are guaranteed approval regardless of your health. However, you need to meet the age requirements for guaranteed approval.

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

In addition, these plans may be limited to a maximum amount of coverage of $25,0000 or less.

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

Tuesday, June 18, 2019

Can I Get Term Life Insurance without a Physical?


Yes, it's possible to purchase a term life insurance policy without having to take any physical exams.

However, these no exam term life policies are usually available to healthy individuals between the ages of 20 to 60.

The cost of coverage and the maximum amount of insurance available will vary by insurer, and depend on your age, gender and health, among other things.

Some no exam term policies offer instant coverage, which means you may apply for a policy online and start your life insurance protection immediately upon approval.

Here's how to get term life insurance without taking a physical examination.

Saturday, June 15, 2019

New York Term Life Insurance


Can I buy term life insurance coverage in New York?

It's quick and easy to compare free term life insurance quotes online by visiting a life insurance website and filling out a short quote request form.

It only takes a minute to request your free quotes, and once completed, you instantly receive your quotes for life insurance in New York.

There are several highly-rated life insurance carriers offering coverage on New York, including New York Life, Prudential, MetLife and John Hancock, among others.

And, several life insurance carriers offer no exam term life insurance policies.

Here's how to get term life insurance in New York state.

Wednesday, June 12, 2019

New York Life Insurance Rates


Can I compare life insurance rates in New York?

If you're looking for affordable New York life insurance policies, you can request and compare rates online from multiple carriers by visiting a life insurance website and filling out a quote request form.

It only takes a minute to request your free rate quotes for life insurance online.

Once you have completed the quote request form, you instantly receive the lowest prices from several of the leading life insurance carriers.

There's no delay and no obligation. If you like your rate quotes, you may request more information or apply for a policy.

Here's how to compare New York Life Insurance rates online.

Sunday, June 9, 2019

How Much Does No Medical Exam Life Insurance Cost?


If you're shopping for life insurance without any exams, you may be wondering how much it would cost for a policy.

The premium charged for coverage will depend on the type and amount of no exam life insurance you buy.

In addition, your personal risks factors will impact pricing of your policy, including your age, gender, health, lifestyle, tobacco use, occupation, hobbies, etc.

The younger and healthier you are when you purchase your policy, the lower your cost of coverage.

Find out how much no medical exam life insurance costs

Thursday, June 6, 2019

New York Life Insurance Quotes


How can I get a life insurance quote in New York?

It's quick and easy to compare free life insurance rate quotes online by visiting a life insurance website and filling out a short quote request form.

It only takes a minute to request your free quotes, and once completed, you instantly receive your quotes for life insurance in New York.

There are several highly-rated life insurance carriers offering coverage on New York, including New York Life, Prudential, MetLife and John Hancock, among others.

And, several insurers offer no exam life insurance plans.

Here's how to get a New York Life Insurance Quote online.

Monday, June 3, 2019

New York Life Insurance Companies


Are you shopping for life insurance in New York?

If so, there are several highly-rated insurance carriers may may choose from in order to purchase your life insurance policy.

Although New York has a highly-regulated life insurance market, there are several insurers that offer quality, affordable life insurance protection.

Included among the list of life insurers in New York state are such well-known insurers as New York Life, John Hancock and Allstate, among others.

Here is a list of New York life insurance companies.

Friday, May 31, 2019

Death Insurance for Seniors over 80


Can senior citizens over 80 years old purchase life insurance to cover their final expenses?

Yes, there are life insurance policies available to cover your death expenses, including the cost of your funeral and burial.

These plans are available for people ages 45 to 85 and offer guaranteed approval with no doctor exams required and not health questions. Request a free quote.

You may choose up to $25,000 of life insurance coverage, and request a free price quote online for your policy.

Here's how to buy death insurance for seniors over 80.

Tuesday, May 28, 2019

What are the Age Limits for Term Insurance?


If you're shopping for a term life insurance policy you may be wondering if you qualify base don your age.

There are certain age limits on term insurance plans which limit the length (duration) of coverage you may qualify to buy based on your age.

For example, while a 45 year old may be able to buy a 30 year term life plan, a 65 year old may be limited to 15 years of term life coverage.

Learn more about the age limits for term life insurance policies.

Saturday, May 25, 2019

Funeral Insurance in New York


Do you live in the state of New York and need funeral expenses insurance?

If so, you may have several options to choose from to get insured for funeral expenses.

Today, residents of the state ion New York can buy guaranteed issue final expenses coverage without any health exam required, and without having to answer any questions about their health.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval funeral life insurance coverage from an "A+" rated life insurance company.

That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for final expenses insurance.

Here's how to buy funeral insurance on New York.

Wednesday, May 22, 2019

Is a Physical Exam Required for Term Life Insurance Coverage?


Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

Over Age 30

Over $50,000 of Life Insurance

Use Tobacco

Have a Pre-Existing Health Condition

History of Drug or Alcohol Abuse

Poor Driving Record – DUI’s

Declined by Other Life Insurers

Use Prescription Medication

Keep in mind, taking a health exam may help you qualify for a more affordable insurance policy compared to no exam plans that may charge higher rates because they may end up insuring some applicants who might not otherwise qualify for coverage if they had to take a physical.

Learn more about physical exam requirements for term life insurance.

Sunday, May 19, 2019

New York Final Expense Insurance


Do you live in New York and need final expenses life insurance?

If so, you may have several options to choose from to get insured for final expense coverage.

Residents in the state of New York can buy guaranteed issue final expenses policies without any health exams required, and without having to answer any questions about their health.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval final life insurance coverage from an "A+" rated life insurance company.

That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for final expenses insurance.

Here's how to get final expense insurance in New York.

Thursday, May 16, 2019

New York Burial Insurance


Do you live in New York and need burial expense insurance?

If so, you may have several options to choose form to get insured for burial insurance.

Today, residents of the state ion New York can buy guaranteed issue burial coverage without any health exam required, and without having to answer any questions about their health.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval burial insurance coverage from an "A+" rated life insurance company.

That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for burial expense insurance.

Here's how to buy burial insurance in New York.

Monday, May 13, 2019

Life Insurance in NY?


If I live in New York, can I find life insurance coverage online?

Yes, there are life insurance carriers in NY that offer online life insurance quotes and plans for residents of New York.

Since the insurance regulations for insurance carriers are more stringent in the state of New York, several insurers have set up their own life insurance companies specifically to do business in the state of New York.

Some of the leading providers of life insurance in NY include New York Life and John Hancock, among others.

You can request and compare free life insurance quotes online to help you find affordable protection for your family.

Here's how to get life insurance in NY.

Friday, May 10, 2019

New York Guaranteed Acceptance Life Insurance


Can residents in New York buy life insurance with guaranteed approval?

Yes. In fact, one highly-rated life insurance company offers New York residents up to $25,000 of guaranteed acceptance life insurance coverage for people ages 45 to 85.

There's no physical examination required, no health questions asked, and you cannot be turned down due to any pre-existing health conditions.

If you meet the age requirements, and you can pay the premiums, then you can get insured.

Here's how to get guaranteed acceptance life insurance in New York.

Tuesday, May 7, 2019

Why Buy Guaranteed Issue Life Insurance?


If you're in the market for life insurance you may have heard about guaranteed issue life insurance coverage.

Is guaranteed issue life insurance right for you?

That depends. Many people who choose to buy life insurance with guaranteed approval have been turned down for coverage due to their age, health, lifestyle, or for some other reason.

Usually, a guaranteed life insurance policy is the last option for someone who needs life insurance protection because of the cost and the limited amount of coverage available. Request a free quote.

With guaranteed life insurance you cannot be denied coverage as long as you meet the age requirements; for example, ages 45 to 85.

Learn more about why you should buy guaranteed issue life insurance coverage.

Saturday, May 4, 2019

Can You Buy Life Insurance after being Diagnosed with Cancer?


Yes, it may be possible to purchase a life insurance policy if you have already been diagnosed with cancer.

However, it depends on the requirements for acceptance of the insurance company.

Several factors will be considered including your age, type of cancer, your overall health, how you manage your cancer, your medication, chemotherapy, other treatments, prognosis, when you were diagnosed, etc.

And, if you are turned down for traditional life insurance policies, you may still be able to get insured with guaranteed issue life insurance plans.

Learn more about buying life insurance after being diagnosed with cancer.

Wednesday, May 1, 2019

Buying a $5,000 Whole Life Insurance Policy


Do you need $5,000 of permanent life insurance protection?

Today, it's quicker and easier than ever before to get $5,000 of whole life insurance protection.

This type of policy is best suited for people with health issues, cancer, COPD, HIV or AIDS, over age 80, or those who have had or need an organ transplant, or have been turned down for life insurance.

In addition, many people purchase a $5,000 whole life policy to provide funds needed to pay for their final expenses, including the cost of a funeral and burial. Request a free quote.

It can be difficult to find life insurance with any of the health problems mentioned above, but there are insurance carriers that offer guaranteed issue life insurance policies.

Here's how to buy $5,000 whole life insurance policy.

Sunday, April 28, 2019

Where Can I Buy Funeral Insurance?


If you haven't planned for your final expenses yet you may be looking to purchase funeral insurance coverage.

But, where can you buy a funeral insurance policy?

Today, there are several life insurance companies that now offer funeral expense insurance policies you can get on the internet.

Some of the leading providers of funeral coverage include United of Omaha, Colonial Penn and Met life, among others - and they all offer free quotes you can request online to find out how much your funeral expense plan will cost.

These plans are usually guaranteed issue, which means you cannot be turned down if you meet the age requirements for approval.

Find out where you can buy funeral insurance.

Thursday, April 25, 2019

Buy Death Insurance


Do you want to buy death insurance coverage?

If so, there are several options of coverage to choose from, including term life insurance, permanent life insurance, and final expense life insurance plans that will pay out a death benefit to your beneficiary upon your passing.

Many people choose to buy a small life insurance policy to cover the cost of their final expenses, if they don't have the money saved to pay for their end of life expenses, including the cost of a funeral and burial.

Learn more about how to buy death insurance.

Tuesday, April 23, 2019

Term Life Insurance without a Waiting Period


Can I purchase a term life insurance policy without any waiting period?

Yes, there are no waiting term life policies available for qualified applicants.

You can apply online for a term life insurance policy with no health exam required.

And, if you qualify for coverage, your life insurance protection can begin the very same day you apply.

Several leading life insurance carriers now offer quick issue, no waiting term life plans online.

The pricing and amount of coverage available will vary by insurer.

Here's how to buy term life insurance without any waiting period.

Sunday, April 21, 2019

Guaranteed Life Insurance for Diabetics


Can people with diabetes get life insurance with guaranteed approval?

Yes, there are life insurance plans available for diabetics that provide guaranteed approval, as long as you meet the age requirements for acceptance.

Guaranteed issue life insurance policies may have varying age requirements depending on the insurance carrier.

For example, some insurers may offer guaranteed coverage for diabetics age 45-75, 40-80, 45-85 or 50 to 85. Request a free quote.

The amount of coverage available from any one specific guaranteed plan may be limited to a maximum of around $25,000.

However, you may be able to purchase a policy from more than one life insurance carrier.

Here's how to get guaranteed life insurance for diabetics.

Thursday, April 18, 2019

Guaranteed vs. Non- Guaranteed Life Insurance Plans


What is Guaranteed and Non-Guaranteed Life Insurance?

A guaranteed issue life insurance policy is one that guarantees your approval for coverage, while a non-guaranteed issue life insurance policy means you may or may not qualify for coverage.

So, if you have health problems or have been denied coverage, a guaranteed life insurance plan may be right for you.

Whereas, a non-guaranteed life insurance policy may be better suited for people who are willing to take a medical exam to qualify for their life insurance coverage.

Here's how to compare guaranteed life insurance versus non-guaranteed life insurance coverage.

Monday, April 15, 2019

Fidelity Life vs New York Life


Which insurance company offers better quick-issue non medical term life insurance plans - Fidelity Life or New York Life?

When comparing plans for non med term life there are several variables to consider including the pricing, amount of coverage available, financial strength rating of the insurer, and how long it takes to get insured, among other things.

Fidelity Life offers quick issue term life policies with no exam to a wider age range of applicants than New York Life, and they offer a much higher amount of life insurance protection.

In addition, Fidelity is known for having competitive pricing on no exam term life insurance policies.

Learn more about Fidelity Life vs New York Life for quick issue no exam term life insurance coverage.

Friday, April 12, 2019

Review of Leap Life Insurance


If you're in the market for a new life insurance policy you may have heard about Leap Life.

Leap Life is a life insurance technology firm that was founded in 2016 and headquartered in San Francisco, California.

We are built by serial entrepreneurs with experience from eBay, AOL, and LinkedIn, and backed by RGA, #1 Life Reinsurer in the country & Founders Fund.

Leap Life solution simplifies and streamlines the process of finding the right life insurance, and users can be matched instantly with a policy that perfectly fits their health history and financial situation.

We're the only company in the U.S. to offer end-to-end online applications with multiple life insurance carriers.

You have the opportunity to choose from the country's best life insurers, including AIG, Prudential, Pacific Life, Mutual of Omaha, SBLI, Transamerica Life, Assurity, and more.

Here's how to learn more about Leap Life and compare the best life insurance rates instantly from top carriers.

Tuesday, April 9, 2019

Can You Buy Term Insurance When Over 65?


Yes, people over 65 years old may qualify to buy term life insurance, which is temporary coverage lasting for a specific number of years.

Usually life insurers offer term insurance for a period of up to 30 years, but people over 65 may be limited to term options of 5, 10 or 15 years of coverage.

Keep in mind, if you outlive the duration of your term life policy, your life insurance coverage ends.

Here's how to buy term insurance for people over 65 years of age.

Saturday, April 6, 2019

Where Can I Buy Cheap Life Insurance for Seniors?


If you're looking to purchase cheap senior life insurance plans you'll want to learn about term life insurance, because it offers by far the lowest priced life insurance plans available.

In addition, comparing pricing from among several life insurance companies will help you determine which insurer offers the most affordable plan.

Keep in mind, the longer your policy "term" (duration), the higher your annual cost of coverage.

Seniors may be able to choose a term life plan lasting for a period of 5, 10, 15, or 20 years, usually.

Learn more about how to buy cheap life insurance for seniors.

Wednesday, April 3, 2019

New York Life Insurance with No Medical Exams


Is there New York Life Insurance available with No Medical Exam required?

Yes, in fact, there are several life insurance carriers that may offer coverage to people without having to take an exam.

For example, ANICO offers healthy individuals up to $249,999 of life insurance with no exam - for residents of New York state.

In addition, several other insurers offer no exam life insurance; however, the requirements for approval with no exam are more stringent - some require people in good or excellent health.

Here's how to get New York life insurance with no medical exams.

Sunday, March 31, 2019

Cremation Insurance for Seniors


Can seniors get life insurance to pay the cost of their cremation?

Yes, there are cremation life insurance plans available for seniors.

In fact, you may purchase a life insurance policy with guaranteed approval for people age 45 to 85 that offers up to $25,000 of life insurance which can be used to pay for cremation and related final expenses.

Even if you have a pre-existing health issue, you can get insured.

Here's how to get cremation insurance for seniors.

Thursday, March 28, 2019

Final Expense Insurance: United Omaha vs John Hancock


Which type of life insurance is best for your final expenses?

If you need final expense life insurance you may want to compare United of Omaha versus John Hancock - two of the more well-known providers of life insurance plans to cover your final expenses.

Both insurers are highly rated, with an A+ Superior financial strength rating from A.M. Best.

However, there are some differences, including pricing, maximum amount of insurance available, and the age requirements for approval.

The good news is there are no health exams required, no health questions asked, and if you meet the age requirements, your approval for coverage is guaranteed.

To learn more, compare United Omaha vs John Hancock for final expense coverage.

Monday, March 25, 2019

Life Insurance Policy Types


What are the different types of life insurance policies?

There are several different life insurance plans to choose from including term life, whole life, accidental life, child life and guaranteed issue, among others.

When choosing a policy make sure to consider what goal you want your life insurance plan to accomplish and how long you will need your coverage to last.

Learn about the different types of life insurance policies and how they work.

Friday, March 22, 2019

Life Insurance Policy Owner


What is a life insurance policy owner?

The owner of a life insurance policy is the person or entity that pays the premiums on a life insurance policy and has the rights of ownership to the policy.

The owner is responsible for paying premiums, managing the insurance policy, choosing the beneficiaries of the policy, and handling the oversight of policy ownership.

The owner may or may not be the person insured by the policy.

Learn more about being an owner of a life insurance policy.

Tuesday, March 19, 2019

Life Insurance Policy Term Plan


What is a term plan for life insurance coverage and how does it work?

It's a type of life insurance that provides protection for a temporary period of time.

These plans usually offer a "term" (duration) of coverage that lasts for 10 to 30 years.

You may select a term of 10, 15, 20, 25 or 30 years of coverage, depending on your age.

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

Term plans offer the most affordable type of life insurance, and the flexibility to choose how long your coverage will last.

These plans are useful for anyone who needs life insurance protection for a period for 30 years or less, as you will get the maximum amount of insurance for the lowest premium cost.

Learn more about a life insurance policy term plan and how it works.

Saturday, March 16, 2019

Life Insurance with Living Benefits


What is life insurance with living benefits coverage?

It's life insurance that provides you with the option of accessing a portion of your insurance policy's death benefit while you're alive.

If you become ill with a terminal diagnosis with a life expectancy of less than 6 months (or one year), you may access a portion of your death benefits from your life insurance policy.

This type of coverage allows those who are terminal to have money available to help pay for things like medical bills and other end of life expenses.

Learn more about buying a life insurance policy with living benefits.

Wednesday, March 13, 2019

Life Insurance to Cover Funeral Costs


Is there life insurance that will cover my funeral expenses?

Yes, there are guaranteed-issue life insurance plans for seniors (ages 45 to 85) that offer guaranteed approval without any health exam or health questions.

These guaranteed policies offer up to $25,000 of life insurance to pay for your funeral and any related costs; such as, your burial, hospital bills, credit card debt, etc.

Guaranteed approval means you cannot be denied coverage due to any pre-existing health problems.

Here's how to get a life insurance policy to cover funeral costs.

Sunday, March 10, 2019

Life Insurance for a Specific Period of Time


Is there life insurance I can buy that will last for a specific period of time?

Yes, it's called temporary life insurance, also known as term life insurance, which provides protection lasting for a specific number of years.

Most term life plans offer coverage you can choose to last for a term (duration) of 10, 15, 20 or 30 years.

The longer your policy "term", the higher your annual premium for insurance.

However, the length of term may be shorter for seniors. For example, a person age sixty may be limited to a term of 20 years, or less.

Here's how to learn more about getting a life insurance policy for a specific period of time.

Thursday, March 7, 2019

Mortgage Protection Death Insurance?


What is mortgage protection insurance for death?

It's a type of life insurance policy that pays out a death benefit upon the death of the insured person who has a home mortgage loan.

The death benefits paid out on the mortgage death insurance policy are used to pay off the outstanding balance on the home mortgage loan if the insured person dies.

There are different types of life insurance plans available to protect your mortgage loan.

Here's how to get mortgage protection death insurance coverage online.

Monday, March 4, 2019

Do All Life Insurance Policies Require a Physical?


No, all life insurance policies do not require a physical, but some do require you to take a paramed exam.

There are non-med life insurance policies available for term life insurance, whole life insurance, or guaranteed issue life insurance coverage.

However, most standard life insurance policies require a medical examination if the person is over age 30, smokes, has health problems, or is looking to buy more than $50,000 of life insurance protection.

To learn more, read this article: Do all life insurance policies require a physical exam?

Friday, March 1, 2019

What is the Cheapest Life Insurance Policy?


If you're searching for the lowest priced life insurance policy, you'll want to look into term insurance.

Term life insurance offers the lowest pricing on life insurance plans available.

With term life you choose a "term" which is the duration for your life insurance protection to last.

The shorter the policy "term", the lower your cost.

Term life usually offers coverage lasting for a period of up to 30 years, but you may be able to choose term for 10, 15, 20, 25 or 30 years of coverage.

Permanent life insurance is the other type of policy, and costs up to 5 to 10 times more for the same amount of coverage as term life, because permanent provides lifetime protection and builds up some cash value inside your plan over the years.

Learn more about What is the cheapest life insurance policy.

Tuesday, February 26, 2019

Reasons to Buy Final Expense Insurance?


Why do people choose to buy final expenses life insurance policies?

Whether or not we plan ahead, the inevitable happens to us all - we all die sooner or later.

Planning for the future with the purchase of final expense coverage can help give you peace of mind knowing there will be the money needed provide you with a respectable funeral.

It shows you respect your loved ones enough to make sure they won't be left with the financial stress of finding a way to pay for your final expenses, including the cost of you burial and funeral.

Learn more about common reasons to buy final expense insurance policies.

Saturday, February 23, 2019

Life Insurance over 50


Is there life insurance for people over 50?

Yes, in fact, there are several types of over 50 life insurance plans available, including term life insurance, permanent life insurance and guaranteed issue life insurance.

The cheapest type of over 50 life insurance coverage is term life which offers temporary coverage lasting for 10, 15, 20, 25 or 30 years.

Permanent life insurance costs a lot more, and provides lifetime protection, as long as you pay your premiums. It also builds cash value inside the policy.

Guaranteed-Issue life insurance policies offer a limited amount of coverage for seniors, usually from ages 45-75, 40-80, or 45-85. If you meet the age requirements for approval, you cannot be denied coverage.

Learn more about finding affordable life insurance over 50.

Wednesday, February 20, 2019

Insurance for People over 65


Is there life insurance available for people over 65?

Yes, a 65 year old may qualify to purchase term life, whole life, or guaranteed life insurance policies.

The cheapest type of life insurance plan for 65 year olds would be term life insurance, because term life offers temporary protection, usually up to 15 or 20 years for a sixty-five year old.

Whole life policies are more expensive because they provide lifetime protection, as long as you pay your premiums.

And, if you have a pre-existing health issue, or you've been turned down for life insurance, then you may want to consider buying a guaranteed issue life insurance plan, which guarantees your approval if you meet that age requirements; for example; ages 45 to 85.

Here's how to get insurance for people over 65 years of age.

Sunday, February 17, 2019

Burial Life Insurance Plans


What are burial life insurance plans?

They are small life insurance policies that provide the money needed to pay for your final expenses.

It’s a way for you to make sure that your loved ones are not put in a financially stressful situation, looking for a way to pay for your burial costs when you die.

By purchasing a burial plan, you are giving yourself the peace of mind knowing you have prepared for the future, and respect your family by providing the funds necessary for them to pay for your funeral and burial.

They will appreciate that you have planned ahead and provided for your end of life expenses.

Burial Expense Insurance policies offer up to $25,000 of coverage without the hassles of any health exams or health questions being asked of the applicant.

Here's how to get affordable burial life insurance plans.

Thursday, February 14, 2019

Is there Life Insurance with No Medical Exams and No Health Questions Asked?


Is it possible to buy life insurance without any medical examinations or medical questions asked?

Yes, there are life insurance policies available with no exam needed and no health questions for you to answer.

Two types of life insurance policies offering this type of coverage include accidental death life insurance, which pays out a death benefit if the insured person dies by accidental means.

The other type is guaranteed-acceptance life insurance, which offers a limited amount of life insurance coverage, usually up to $25,000 - and it guarantees your approval for a policy if you meet the age requirements, for example, ages 45 to 85.

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

Monday, February 11, 2019

The Difference Between Group Term Life Insurance and Individual Term Life Insurance


If you have a job and get life insurance through your employee benefits plan, you are insured through a group term life insurance policy which your employer provides for all employees.

However, there are some limitations to these plans. For example, if you are no longer working for your employer, the life insurance coverage does not remain with you, unless you convert the coverage into your own individual permanent life insurance policy which you pay for, and which costs a lot more than term life insurance.

In addition, if you are no longer employed, and you don't convert your coverage because it would be too expensive, you may find yourself without any life insurance. And, if your health has changed, you may be uninsurable, when you need it most.

Buying your own individual term life insurance policy outside of work will guarantee you protection for the life of your policy, whether or not you are employed.

Learn more about the differences between group term life insurance and term life insurance.

Friday, February 8, 2019

Cheapest Life Insurance without any Medical Exams?


The cheapest type of life insurance without any health examination is term insurance.

Term life is the cheapest because it provides temporary insurance lasting for up to 30 years.

You may choose a term for your policy from 10, 15, 20, or 30 years, usually.

The shorter your policy "term", the cheaper your annual cost of life insurance protection.

In addition, the lower your amount of insurance, the lower your annual premium for coverage.

Several risk factors will impact your cost of insurance, including your age, gender, health, lifestyle, tobacco use, driving record and occupation, among others.

Here's how t learn more about finding the cheapest life insurance without a medical exam required.

Tuesday, February 5, 2019

Life Insurance Policies for Parents


Can you buy a life insurance policy on your parents?

Yes, adult children have an Insurable Interest in their parents, and may purchase life insurance coverage on their parents.

Whether you are looking for a small life insurance policy to provide money to cover the cost of their final expenses, or something larger to help pay for child care should your parents die, it's possible for adult children to insure their parents with life insurance.

Learn how to buy life insurance policies on your parents.

Saturday, February 2, 2019

Whole Life Insurance for 76 Year Olds


Is there whole life insurance available for a seventy-six year old?

Yes, there are whole life insurance policies a 76 year old can purchase without having to take any physical examination, or answer any health questions.

These are referred to as Guaranteed Approval whole life insurance policies and they guarantee your acceptance for coverage, even if you have a pre-existing health condition.

These plans usually offer a limited amount of coverage, maybe up to $25,000 or less.

With guaranteed plans you cannot be denied coverage due to your health.

If you meet the age requirements for approval, you can get insured.

One highly-rated insurer offers guaranteed whole life insurance for people between the ages of 45 to 85 years old.

Here's how to get whole life insurance for people age 76.

Wednesday, January 30, 2019

Life Insurance with No Health Check


Can I purchase a life insurance plan without any health check?

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

There are two types of policies without health checks: Term Life and Whole Life.

With term insurance you may be able to purchase up to $1,000,000 or more of coverage without taking an exam. However, you need to be in good health and between the ages of 20 to 60.

With whole life insurance you can get no health check life insurance coverage without any health questions asked, but the amount of insurance available may be limited to $25,000. Request a free quote.

These plans may offer guaranteed approval regardless of your health, as long as you meet the age requirements for acceptance.

Here's how to buy a life insurance policy with no health check required.

Sunday, January 27, 2019

What is Mortgage Term Life Insurance?


If you are buying a new home or have a home, you may be considering mortgage life insurance to pay off your outstanding mortgage should you pass away.

With mortgage term life insurance you can get affordable rates and the coverage you need to fit your specific mortgage.

You select a duration of coverage (term) that matches your loan - 15, 20 or 30 years.

And, choose an amount of life insurance that matches the amount you currently owe on your home mortgage loan.

That way, your family will having the money needed to pay off your mortgage should you pass away before the loan is fully repaid.

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

Thursday, January 24, 2019

Is Term Life Insurance a Good Idea?


If you're considering the purchase of a life insurance plan you may be wondering if term life is right for you.

That depends on how long you need your life insurance coverage to last in order to accomplish your goals for your policy.

Term life insurance is temporary, it will expire at the end of your policy term. However, you may choose term life to last for a period of 10, 15, 20, 25 or 30 years, depending on your current age.

So, if you need life insurance for 30 years or less, term life offers a good option at the lowest cost.

Read this article to find out if term life insurance is a good idea for you.

Monday, January 21, 2019

What is Direct Term Life Insurance?


Direct term life insurance is a type of life insurance you can purchase direct from the insurer over the internet.

Term insurance is temporary coverage lasting for a period of up to 30 years.

There may be several different terms of coverage available, including 10, 15, 20, 25 or 30 year term life plans.

The longer your policy term, the higher your annual premiums for coverage.

Several insurers offer direct term life over the internet, including Haven Life, AAA, ANICO, Fidelity Life and Globe Life, among others.

With direct term you may be able to get insured and begin your life insurance protection the same day you apply for a policy.

Here's how to get direct term life insurance coverage online today.

Friday, January 18, 2019

Term Life Insurance for Seniors over 70


Can seniors over age 70 get term life insurance coverage?

Yes, there are term life insurance policies available for seniors over 70.

However, the length of coverage may be limited to a maximum duration of either 5 or 10 years, depending on your age and health.

If you have health issues, there are guaranteed-issue whole life insurance plans available for people between the ages of 45 to 85.

Here's how to learn more about term life insurance for seniors over 70 years of age.

Tuesday, January 15, 2019

No Exam Life Insurance with Instant Coverage


Can I buy instant coverage life insurance without taking a medical exam?

Yes, if you are healthy and qualify for coverage, you may be able to purchase no exam life insurance with coverage that starts the same day you apply for a policy.

These quick issue life insurance plans are available online and allow qualified individuals the option to apply online and begin their life insurance protection immediately upon approval.

The amount of coverage available and the pricing of the policies does vary by life insurance company.

However, this is the quickest and easiest way to buy your insurance plan.

Most instant issue life insurance policies are available for healthy individuals between the ages of 20 to 60.

The amount of coverage available may vary from $100,000 up to $500,000 or more - with one insurer offering up to $2,000,000 of instant coverage no exam life insurance.

Here's how to buy no exam life insurance with instant coverage.

Saturday, January 12, 2019

Life Insurance with No Medical Exam for People over 65


Can people over 65 get life insurance without a medical exam?

Yes, there are no exam life insurance policies for people over 65 years old.

You may be able to choose from permanent life, term life or guaranteed issue life insurance without an exam if you are over sixty-five years old.

However, the cheapest life insurance policies will be term life, because they are temporary and build no cash value inside the policy; whereas, guaranteed-issue life insurance policies will cost the most because they guarantee your approval for coverage.

Here's how to get life insurance with no medical exam for people over 65 years old.

Wednesday, January 9, 2019

How is a Term Life Insurance Policy Priced?


If you're shopping for a term life insurance policy you may be wondering how your coverage is priced.

Term life policy pricing takes into consider several key factors to develop your premium for insurance.

Some of the main pricing factors include your age, health, type and amount of life insurance; as well as, your gender lifestyle, occupation, hobbies, tobacco use another risk factors which may help the insurer determine your life expectancy.

Since term insurance is temporary coverage, the shorter your duration of insurance, the lower your annual premium.

Learn more about pricing of a term life insurance policy.

Sunday, January 6, 2019

Life Insurance for Sick and Elderly People


Is there life insurance for elderly people who are sick?

Yes, even if you are a sick senior you may still be able to purchase life insurance coverage.

Although many plans may decline a senior with health problems, there are guaranteed issue life insurance policies offered to people ages 45 to 85.

With guaranteed approval you cannot be declined for coverage due to any pre-existing health condition.

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

However, these guaranteed issue policies come with a limited death benefit the first two years you are insured.

Learn how to get life insurance for sick and elderly people.

Thursday, January 3, 2019

Do I Need More Term Life Insurance?


If you own a term life insurance policy and have been insured for several years, or you have experienced a major life event; such as buying a home or getting married, you may be wondering if you need more insurance protection.

You very well may need to add coverage if your financial responsibilities have increased since you purchased your term life policy.

The best way to find out your current need for life insurance is to use a term life insurance needs calculator.

Here's how to find out if you need more term life insurance.