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.

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.

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.

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.

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.

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.

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.

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.

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.

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.