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.

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.

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.

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.

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.

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.

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.

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

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.

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.