Term Life Insurance Years?

How many years does term life insurance last?

Usually, term life policies offer coverage up to thirty years, depending on your age.

However, you may be able to choose a Policy Term lasting for a duration of 10, 15, 20, 25 or 30 years to meet your specific life insurance needs.

The longer your Policy Term, the higher your annual cost of life insurance coverage.

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

If you pass away while your term life policy is still "In Force", the death benefit is paid out to the beneficiary of your life insurance policy.

Burial Insurance for Parents over 80

Is there burial insurance for parents over 80 years old?

Yes. Adult children may purchase burial insurance policies for their parents who are over 80 years old.

In fact, one highly-rated insurer offers up to $25,000 of guaranteed acceptance life insurance for people ages 45 to 85 years old.

Many adult children buy guaranteed issue life insurance plans on their parents to provide the funds needed to pay for their burial and funeral costs.

Here's how to buy burial insurance for parents over 80 years old.

 

Funeral Insurance Plan Cost?

How much does it cost to buy a funeral insurance plan?

Your premium, or cost, of funeral insurance will depend on several factors, including your age, gender and your state of residence. 

In addition, the amount of insurance you need will impact the price of your funeral plan.

The younger you are, the lower your rate for coverage.

In addition, the more insurance you need, the higher your overall cost of insurance.

You can find out how much your insurance plan will cost by visiting a life insurance website and filling out a quote request form to receive a free quote for your insurance.

Here's how to find out how much a funeral insurance plan costs.

 

Life Insurance: Who Gets The Money?

If you are buying life insurance you may be wondering who gets the proceeds from your insurance policy when you die.

It's an important question to consider.

The Beneficiary is the person or persons you choose to receive the death benefit from your life insurance.

You select a beneficiary when you purchase your life insurance. You may be able to change the beneficiaries after the life insurance policy is "In Force".

And, you may select more than one person to receive a portion of your death benefits from your insurance policy upon your passing.

Usually, the beneficiary is someone in your family, or a person you have a close relationship with; such as, a business partner, spouse, or relative.

Learn more about who gets the money from a life insurance policy.

 

Life Insurance: Who is Insured?

Usually, the insured takes out the life insurance policy on themselves and pays the premiums on the policy, either monthly, quarterly or annually, to the insurance company. 

The named insured person of the policy should be someone family members depend on for financial support; such as, living expenses, so that if the insured dies, a life insurance policy replaces their financial support. 

The insured is the person listed on the policy whose death prompts the death benefit payout to the beneficiary.

 

Life Insurance Death Benefit

The death benefit is the amount your beneficiaries will receive from your life insurance policy upon your death. This is paid out if the coverage was "In Force" at the time of your death.

The insurance face amount is the sum that a life insurance policy will pay upon the occurrence of a qualifying event – Death of the Insured Person. 

The name comes from the fact that this amount is typically shown on the "Face" or top sheet of the life insurance policy.

The average face amount of individual life insurance policies purchased in the United States was approximately $168,000 in 2018.

Learn more about life insurance death benefits and how they work.

Term Insurance Rates

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

Your rate is based on your personal risk factors, including but not limited to your age, gender, health, tobacco use, occupation, hobbies and driving record.

The younger and healthier you are, the lower your rate for term insurance.

You can compare term insurance rates by visiting a life insurance website, filling out a quote request form, and instantly receiving your free term life premium quotes online.

 

Term Life Insurance Instant

If you need instant term life insurance you may be able to qualify for coverage online and begin your policy today.

Some insurers offer quick-issue term life plans that allow you to apply online and get approval the same day, if you qualify.

Usually, people ages 20 to 60 who are healthy, may qualify for an instant issue term life policy online.

In addition, you can compare instant term life insurance quotes from a network of leading carriers by requesting a free quote online.

Here's how to get term life insurance instant quotes and coverage.

Term Insurance with Instant Quotes

Can I get instant term insurance quotes online?

Yes, you just visit a life insurance website, fill out the short Quote Request Form and click on the button to instantly see the lowest prices available from several of the leading life insurance carriers.

You can compare free, instant term life quotes for different amounts of coverage and for different durations of coverage.

Here's how to get instant term insurance quotes online now. 

Is Term Insurance Guaranteed Renewable?

Yes, if you have Renewable Term Life Insurance, then your coverage is guaranteed renewable.

You will not have to take a physical exam in order to qualify for your renewal policy.

However, your premium for the renewal coverage will be higher than your current policy, because it will be based on your age at time of renewal.

Learn more about guaranteed renewable term insurance policies.

 

When Should You Buy Life Insurance?

If you think you have a need for life insurance, you probably do need coverage.

Many people consider buying a life insurance policy when they get married or purchase their first home.

Others wait until they have their first child, or have someone who relies on their income for financial support.

However, there are many life milestones that may indicate a need for life insurance protection.

Learn more about when you should buy life insurance coverage.

How Long Is Term Insurance Good For?

Usually, term life insurance plans are available for a duration of up to 30 years.

Many insurers offer term life plans for a period of 10, 15, 20, 25 or 30 years of protection.

However, the maximum duration of term insurance may be limited based on your current age.

For example, a 70 year old may be able to get up to 15 years of term life coverage; whereas, a 30 year old may purchase up to 30 years of term insurance.

Learn more about how long term insurance is good for.

Term Life Insurance for 10, 20 or 30 Years?

How long do you need life insurance to last?

When choosing your term life policy, it's important to determine how long you really need your protection to last.

In order to determine that, you'll want to consider what girl you want your life insurance to accomplish, and how long you need your life insurance coverage to last  in order to accomplish that goal.

Whether your need is for 10 years, or up to 30 years, you have options to choose from with term life insurance policies.

Learn more about term life insurance for 10, 20 or 30 years of coverage.

 

Term Life Insurance Extension

Can you extend your term life insurance coverage?

Yes, it's called renewable term life insurance, which allows you to renew your current policy for a period of up to 10 years.

However, if you choose to renew your coverage, your renewal term life policy will cost more. The new premium will be based on your age at time of renewal.

But, you will not be required to take a medical exam to qualify for the real policy.

Lear more about how an extension for term life insurance works.

Term Life insurance Time Period

How long does a term life insurance policy last?

The duration of a term life policy will depend on the "Policy Term" you select when you purchase your coverage.

Usually, term life lasts up to 30 years; however, you may be able to select a policy term of 10, 15, 20, 25 or 30 years, depending on your age and health.

The policy term should be in line with your need for coverage to meet your goal of what you want your life insurance policy to accomplish; such as, a 30 year term policy to protect your 30 year home mortgage loan.

Learn more about a time period for term life insurance coverage.

Term Insurance with No Medical Check Up

Can I buy a term life insurance policy without taking a medical examination?

Yes. And, you can compare no exam term life insurance quotes online by visiting a life insurance website and requesting your free quote.

Some insurers offer up to $500,000 of coverage with no exam, while one highly-rated insurer offers up to $2,000,000 of no exam life insurance coverage.

Learn more about term insurance with no medical check up.

What Happens at the End of a Term Life Insurance Policy?

If you own a term life policy, you may be wondering what happens when your coverage ends.

At the end of your policy term, your life insurance coverage expires, which means you are no longer insured.

You may have the option to renew your coverage for an additional term, usually for a period of up to ten years.

Your premium at renewal of your policy will increase based on your age at that time.

Or, you may choose to go without any life insurance coverage.

Another option would be to buy a new life insurance policy, but you may be required to take a medical exam in order to qualify for your new life insurance.

Learn more about What happens at the end of a term life insurance policy?

  

Can The Beneficiary of a Life Insurance Policy Claim the Money?

Yes, the beneficiary of a life insurance policy can claim the money from the death benefit of a life insurance policy.

In fact, only the beneficiary may make claim for a death benefit, if the beneficiary is alive to make a claim.

In order to claim the money as beneficiary you must be named as a beneficiary in the life insurance policy, and the insured person must have died while the coverage was In Force and the premiums paid up to date.

Learn more about Can the beneficiary of a life insurance policy claim the money.

Can Life Insurance Expire?

Yes, a life insurance policy can expire.

Term life plans provide temporary coverage lasting for a set period of time, usually up to a maximum period of thirty years.

However, you may be able to choose a policy duration (term) of 10, 15, 20, 25 or 30 years.

If you are alive when the term life insurance expires, the coverage ends.

You may have an option to renew your policy for another term of 10 years or less, if you still need coverage.

Learn more about Can life insurance expire?

Life Insurance for Funeral Expenses

Does Life Insurance Pay for Funeral Expenses?

Yes, the death benefit from life insurance can be used to pay for your funeral expenses.

When buying a life insurance policy, you select a beneficiary, and that person may use the death benefit proceeds from your life insurance to pay for your funeral.

Life insurance for funeral costs provide the security your family needs, when they need it most.

Learn more about life insurance to pay for your funeral expenses.

Term Life Insurance for Your Family

Term life insurance offers the most affordable life insurance protection, lasting for a period of up to thirty years.

You can purchase term life coverage on yourself, your spouse or partner, and on your children. 

You may be able to add coverage for your children to your own term policy, through the process of adding a rider for child coverage, for which you pay an additional premium.

Learn more about getting term life insurance protection for your family.

Term Life Insurance Exclusions

Are there any causes of death that are excluded by a term life insurance policy?

Yes, there are several exclusions in a term life policy, included but not limited to the following:

• Suicide if it occurs within the first two years you are insured (one year in some states).
• Illegal Activity.
• Dangerous Activity.
• Act of War.
• Aviation.

These are some of the more common types of exclusions that would be stated in an insurance contract providing term life insurance coverage.

Learn more about term life insurance exclusions.

Term Life Insurance Covers What?

What does term life insurance cover?

Term life is temporary life insurance that pays out a death benefit upon the death of the insured person during the policy term.

The types of death covered by a term life policy include natural causes, illness, and accidental death.

In addition, suicide is covered if it occurs two years after the start of the policy (one year in some states).

Learn more about What term life insurance covers? 

Does Term Life Insurance Cover Accidents?

Yes, a term life insurance policy covers accidents.

Term life insurance pays out a death benefit if the insured person dies as a result of natural causes, medical illness, or accidental death.

However, some insurance policies may have exclusions for high risk activities; such as, sky diving or auto racing.

So, although term life plans cover accidental death, your coverage is subject to the terms, conditions, and exclusions stated in the insurance contract.

Learn more about Does term life insurance cover accidental death?

Term Life Insurance Covers to What Age?

The age that a term life insurance policy covers you to depends on your age at the time you buy your policy, and the duration or term of coverage.

For example, if you are 25 when you buy a 20-year term life policy, your coverage will remain "In Force" until you are 45 years old. But the policy expires at the 20-year anniversary of your coverage.

However, a term to age 70 policy provides life insurance protection until you reach 70 years old.

Learn more about Term life insurance covers to what age?

 

Does Term Life Insurance Cover Cancer?

Yes, term life insurance policies cover cancer.

If you are insured by a term life policy, and you die as a result of cancer, the death benefit would be paid out to your beneficiary.

Payment of any death benefit is subject to all terms, conditions and exclusions stated in the insurance contract.

However, unless you lied on the application for life insurance, your policy would likely pay out on death resulting from cancer.

Learn more about Does term life insurance cover cancer?

Term Life Insurance Does It Have Cash Value?

A standard term life insurance policy does not build up any cash value inside the policy. it provides Pure Protection - a death benefit but no cash value.

However, Return of Premium term life insurance policies do return your paid premiums if you outlive the duration of your policy term. 

That means, if you are alive when your term life insurance expires, you get the premiums back.

Learn about about Does term life insurance have cash value?

Term Life Insurance Guaranteed Annual Premium

Guaranteed annual premium term life insurance means that the premium you pay on an annual basis for your insurance policy is guaranteed not to change from what was promised in the contract when you purchase the policy.

Term Life Insurance Free Look Period

What is a free look period for term life insurance?

It's the period of time you have to return your life insurance policy (after receiving it) and get a full refund of all premiums paid, should you decide you no longer want to keep your life insurance.

Usually, insurers offer a free look period of between 10 to 30 days, but the state department of insurance sets regulations for the specific minimum free look period required for your state of residence.

Learn more about the term life insurance free look period.

Term Life Insurance Limitations

What are the limitations to term life insurance policies?

There are a few important limitations to term life, including:

• Duration of Coverage is usually limited to 30 years or less.
• You may outlive your term life insurance protection.
• Rates on term life increase if you choose to renew your term life insurance policy when it expires.
• Term life is pure protection, providing a death benefit, but no investment feature.

Learn more about term life insurance limitations of coverage.

 

 

Is Your Term Life Insurance Ending?

If your term life insurance policy is ending, you may be wondering what options are available to you.

Actually, if you need your life insurance coverage to continue, you may be able to renew your current term life policy for another 10 year term, when it expires.

Or, you could buy a new life insurance policy - either term life, whole life, or more than one policy.

Another option would be to go without any life insurance coverage. It depends on your situation.

Learn more about options for when your term life insurance policy is ending.

 

Guaranteed Issue Burial Insurance

Is there burial insurance with guaranteed approval?

Yes. There are burial expense life insurance plans available that offer guaranteed acceptance if you meet the age requirements for approval for coverage.

Some plans offer coverage with guaranteed approval for people ages 45-75, 40-80, or even ages 45-85.

Guaranteed Issue means you cannot be turned down for a policy of you meet the age requirement, and can pay the premiums.

Some plans offer up to $25,000 of guaranteed issue coverage for burial life insurance.

Learn more about guaranteed issue burial insurance policies.

 

No Health Question Life Insurance for Seniors

Is there life insurance seniors can buy without answering any questions about their health?

Yes, it's called "Guaranteed Issue Life Insurance" and it guarantees your approval for life insurance if you meet the age requirement for acceptance.

With guaranteed issue life insurance you won’t have to answer any questions about your health in order to get insured. Get a free quote.

People ages 45 to 85 can get guaranteed acceptance life insurance through United of Omaha.

Learn more about buying no health question life insurance for seniors.

Buy Term Life Insurance without Medical Exam

Can I buy a term life insurance policy without taking a medical examination?

It depends on your age, health, and the insurance company guidelines for approval.

However, there are now several insurers that offer no exam term life insurance policies for qualified applicants between the ages of 20 to 60 years old. Request a free quote.

In addition, other insurers may offer plans for people ages 18 to 78 years of age, but offer lower maximum limits of life insurance coverage.

Some insurers offer same-day coverage for qualified applicants. That means, you may be able to start your life insurance coverage the same day you apply online for a policy.

Learn more about buying term life insurance without a medical exam needed.

Term Life Insurance with a 20 year Term

If you need life insurance to provide protection for your family for a period of twenty years, you'll want to consider term life insurance with a 20 year term.

This means you have life insurance protection that will last for a duration of 20 years.

The premium you pay for your life insurance p-policy will remain the same each year you are insured.

In addition, the amount of life insurance provided by your policy remains level, never decreasing throughout the life of your 20 year term life plan.

If you pass away during the 20 year term, the death benefit is paid out to the beneficiary of your life insurance policy.

If you outlive the 20 year term, there is no payout of any benefits.

Learn mire about term life insurance with a 20 year term for coverage.

Cheap Life Insurance Online Quotes

Can I get cheap life insurance quotes online?

Yes. Today, it only takes a minute to request and receive your free, instant life insurance quotes over the internet, to find the lowest prices available.

Did you know term life insurance offers the cheapest prices on life insurance?

And, you can request a free quote for term life insurance online in less than one minute.

By requesting a free life insurance quote online, you can instantly see the lowest pricing available based on your specific needs.

Here's how to get cheap life insurance online quotes today.

 

Senior Life Insurance over 80

Is there life insurance for seniors over age 80?

Yes. There are life insurance policies available for seniors over eighty with guaranteed approval.

Guaranteed approval means you cannot be turned down for coverage, if you meet the age requirement for approval.

For example, United of Omaha offers guaranteed issue life insurance for people age 45 to 85 years old.

With guaranteed acceptance life insurance, there is no health examination required, and you don't have to answer any questions about your health. Get a free quote.

Even if you have been turned down for life insurance by other insurers, or you have serious health issues, you can get insured.

Learn more about buying senior life insurance for people over 80 years old.

Life Insurance for Ill Parent

Can I buy life insurance for my ill parent?

Yes, an adult child may purchase life insurance on his/her parent, because the adult child has an insurable interest in his/her parent.

If your parent is ill, there are Guaranteed Issue life insurance plans available for people between the ages of 45 to 85 years old. Get a free quote.

Guaranteed Issue means your parent cannot be turned down for coverage due to his or her health.

As long as your parent meets the age requirement, you may purchase life insurance on an ill parent.

And, with guaranteed issue policies, there is no health exam required, and your parent won't have to answer any health questions.

Learn more about buying life insurance for an ill parent.

Shopping for Term Life Insurance

How can I shop for term life insurance?

Actually, it's easy to shop and compare term life plans and pricing online from among several of the leading life insurance carriers by visiting a life insurance website and requesting your free quotes.

It's simple, you just fill out a quote request form on a life insurance website and instantly see the lowest prices available from leading life insurers.

Then, you can review the coverage options and apply for a policy.

There are even no exam term life policies available which you can apply for online in minutes. 

If you qualify, you may start your life insurance coverage today.

Here's how to shop for affordable term life insurance coverage online.

Term Life with Living Benefit?

What are Living Benefits for Term Insurance?

Living benefits of a life insurance policy are benefits provided to and obtained by those insured, while still alive. 

It means you can access the benefits of your insurance plan before you die, instead of waiting for a payout on the policy after the insured person dies.

Living death benefits are an early payout of anticipated death benefits from a rider attached to an existing life insurance policy, or from a separate policy.

Learn more about term life insurance with living benefits.

Term Insurance for Family

Is there term life insurance you can buy for your family?

Yes. You can buy term life insurance policies and you and your spouse. 

In addition, you can add your children to your own term life insurance coverage using a Child Rider endorsement that provides a minimal amount of coverage for each child.

Learn more about buying term insurance for your family.

No Health Questions or Exam

Can you buy a life insurance policy with no health questions or exams required?

Yes. It's called "Guaranteed Issue" life insurance and it offers a limited amount of life insurance protection for people ages 45 to 85 years old. Get a free quote.

However, the age requirement for guaranteed approval for a policy may vary by insurance company.

And, the maximum amount of life insurance available will vary by insurer.

These plans are available even if you have been turned down by other insurers, or have serious health issues.

Learn more about getting life insurance with no health questions or exam required.

Term Life Insurance without an Agent

Can I buy a term life insurance policy online if I don't have an insurance agent?

Yes. In fact, some insurers allow you to buy direct life insurance over the internet, which you can apply for in about 15-20 minutes.

And, if you qualify for coverage, you my start your life insurance policy the same day.

These are called instant issue no exam term life insurance policies that offer healthy individuals a way to buy quick and easy life insurance protection online. Request a free quote.

One highly-rated insurance provider offers up to $2,000,000 of same-day term life insurance coverage.

Learn more about buying term life insurance without an agent.

Term Life with ROP

Can I buy term life insurance with return of premium?

Yes, you can purchase a term life policy that returns your premium if you outlive the policy term.

However, these plans charge a premium that is 2-3 times more than regular term life policies.

It may be an option to consider purchasing regular term life and investing the difference you would save by not paying the higher premiums for a return of premium term life insurance policy.

Learn more about term life with ROP.

Term Life with Accidental Death

Does term life insurance come with accidental death coverage?

Yes, it does include coverage for death resulting from an accident.

Term life covered death resulting from natural causes, illness and accidental death.

In addition, there is double indemnity coverage available which pays out twice the death benefit if the insured person dies from an accident.

Learn more about term life with accidental death insurance coverage.

Elderly Life Insurance NY State

Can elderly people living in New York get life insurance?

Yes. There are guaranteed issue life insurance plans available for elderly residents in the state of New York.

Guaranteed issue means you cannot be denied coverage if you meet the age requirement for approval.

Ages for approval of guaranteed issue plans vary by insurer, but one highly-rated carrier offers guaranteed policies to people ages 45 to 85.

Guaranteed issue means you won't have to take an exam or answer any questions about your health.

Some plans offer up to $25,000 of guaranteed acceptance life insurance coverage for elderly people.

Learn more about buying elderly life insurance in New York.

Looking for Term Life Insurance

Are you looking for term life insurance coverage?

If so, you'll want to learn how term life works and how you can save money when shopping for an affordable term life policy to protect your loved ones.

Term life is a type of life insurance plan that provides temporary coverage lasting for a period of up to thirty years.

The longer your policy duration (term), the higher your annual cost of insurance.

Learn more about looking for term life insurance plans.

Term Life Insurance for Parents

If you are parents in need of life insurance protection for your loved ones, you may be considering term life insurance.

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

It provides you with a death benefit that is paid out to your beneficiary upon your passing.

With term life, you can select a duration of coverage of 10, 15, 20, 25 or 30 years, to meet your family's specific life insurance needs.

Term life offers the maximum amount of life insurance protection for any budget, since it offers rates that are much lower than rates charged for permanent life insurance plans.

Learn more about term life insurance for parents.

Gerber Life Insurance for Seniors

 Does Gerber Life offer life insurance plans for senior citizens?

Yes. Gerber Life offers guaranteed issue whole life insurance policies for seniors up to age 75.

With Gerber Life, seniors age 75 and under may purchase up to $15,000 of life insurance protection with guaranteed approval. 

That means, you won't have to take a medical exam, or answer any questions about the status of your health.

Even if you have been turned down by other insurers, you can still get insured through Gerber Life, if you meet the age requirement for approval.

Many seniors choose Gerber guaranteed issue life insurance to pay for the cost of their final expenses, including burial and funeral related costs.

Learn more about Gerber life insurance for seniors.

Term Insurance for Life

 Can I buy term insurance for life?

Actually, term insurance is temporary life insurance coverage that lasts for a specific period fo time, usually up to thirty years.

You can choose a policy term (duration) of 10, 15, 20, 25 or 30 years of protection.

If you find you need life insurance beyond the expiration date of your term life policy, you may be able to renew your coverage for an additional term, usually of up to 10 years. 

Burial Insurance for Smokers

Is there burial insurance available for smokers?

Yes. Smokers can purchase burial expense life insurance plans.

In fact, there are guaranteed issue burial life insurance policies available for smokers and non-smokers between the ages of 45 to 85 years old.

Guaranteed Issue means you cannot be turned down for a policy if you meet the age requirements for acceptance.

And, you won't have to answer any questions about your health, or take any physical examination to find out if you qualify for coverage.

Learn more about burial insurance for smokers.

 

Guaranteed Life Insurance for 45 Plus

Is there life insurance with guaranteed approval for people age 45 and over?

Yes, in fact, one highly-rated life insurance carrier offers guaranteed acceptance life insurance policies for people ages 45 to 85 years old.

Guaranteed Issue means you won't have to take a medical exam or answer any health questions - your approval for life insurance is guaranteed, if you meet the age requirements.

However, the maximum amount of life insurance available with Guaranteed Approval is usually limited to around $25,000. Get a free quote.

But, if you have been denied coverage, or have health issues, guaranteed life insurance is a good option to consider.

Learn more about buying guaranteed life insurance for people age 45 and over.

Gerber Life Guaranteed Life Insurance

What is Gerber Life guaranteed life insurance?

It's a type of life insurance policy that guarantees your approval for coverage, if you meet the age requirements for acceptance.

This type of policy provides lifetime (permanent) life insurance protection, as long as you pay your premiums on time.

It builds cash value inside the policy, and pays out a death benefit upon the death of the insured person.

Even if you have been denied coverage from other carriers, you can still get insured.

There is no health exam required, and you won't have to take a physical exam to qualify for coverage.

Many people choose this type of life insurance plan to provide funds to cover the cost of their funeral and burial expenses.

Learn more about Gerber Life guaranteed life insurance plans.

How to Get Instant Issue Life Insurance?

If you're looking to buy an instant issue life insurance plan, you can do the following:

• Visit a life insurance website
• Request a free life insurance quote
• Apply for your life insurance policy
• Find out within minutes if you are approved for coverage
• Begin your life insurance the same day, if you qualify.

It's quick and easy to get insured for life insurance if you are healthy and between the ages of 20 to 60 years old.

Here's how to get instant issue life insurance coverage today, if you qualify.

Guaranteed Life Insurance for 81 year olds

Can an 81 year-old get life insurance with guaranteed approval?

It depends on which insurance company you use for coverage.

Some insurers only offer guaranteed coverage to people ages 45-75 or 40-80 years of age.

However, United of Omaha offers guaranteed approval life insurance for people ages 45 to 85. Request a free quote.

With guaranteed life insurance plans, you won't have to answer any questions about your health or take any medical exams.

Your approval for life insurance is guaranteed if you meet the age requirements for acceptance.

Here's how to buy guaranteed life insurance for 81 year olds.

Life Insurance for Diabetic Patients

Are You a Diabetes Patient Looking to Purchase a Life Insurance Policy?

If so, did you know you can get life insurance if you have either Type 1 or Type 2 diabetes, providing your diabetes has been under control for a period of at least 6 to 12 months? 

You can also get life insurance if you are insulin dependent. 

Today, even if you are insulin dependent, you may be able to find affordable life insurance for diabetics through a highly-rated life insurance company that specializes in finding diabetics the best plan and price for life insurance protection.

Here's how to get life insurance for diabetic patients.

 

Guaranteed Acceptance Life Insurance $25,000

Can I buy $25,000 of life insurance with guaranteed approval?

Yes. If you meet the age requirement for approval, you may purchase $25,000 of guaranteed acceptance life insurance coverage through United of Omaha.

They offer guaranteed policies for people ages 45 to 85 years old.

With guaranteed plans, there are no health exams required, and you won't have to answer any questions about the status if your health, or your health history. Request a free quote.

Even if you have been denied coverage by other carriers, you can still get guaranteed issue coverage.

Here's how to buy up to $25,000 of guaranteed acceptance life insurance coverage.

Term Life for 70 Plus

Is there term life insurance available for people age 70 and over to buy?

Yes, if you are seventy or over, you may qualify to purchase a term life insurance policy.

However, the duration of term coverage available may be limited to a maximum period of 10 or 15 years, depending on your age and current health.

Some life insurers may even offer no exam term life insurance plans.

In addition, there are guaranteed issue whole life insurance policies available for people between the ages of 45 to 85 years old.

Here's how to learn more about term life insurance for 70 plus.

Colonial Penn Program for Seniors

What is the Colonial Penn Program for Seniors?

It's a type of life insurance policy providing permanent life insurance coverage for people between the ages for 50 to 85 years old.

If you meet the age requirement, you are guaranteed approval or life insurance coverage, regardless of your health.

With Colonial Penn's plan, there are no health examinations required, and you won't have to answer any questions about the status of your health.

Even if you have been denied life insurance from other carriers, you can get insured if you meet the age requirement for guaranteed approval.

Learn more about The Colonial Penn Program for Seniors.

Colonial Penn?

Are you a senior looking to buy life insurance with guaranteed approval?

If so, Colonial Penn can help.

Colonial Penn offers affordable plans with guaranteed approval for anyone between the ages of 50 to 85 years old.

With Colonial Penn you can get whole life insurance coverage without having to take any health exams, or answer any questions about your health.

Even if you have been turned down for life insurance by other carriers, you can still get insured.

What is Guaranteed Universal Life Insurance?

Guaranteed universal life insurance, also known as GUL, is affordable life insurance with long-term protection lasting your entire life.

Guaranteed life insurance offers level premiums (they do not change) and no-lapse guarantees.

Guaranteed life insurance policies bridge the gap between cheap temporary coverage (term life insurance) and expensive permanent insurance coverage.

Colonial Penn Life Insurance

Colonial Penn offers affordable guaranteed issue life insurance plans for people between the ages of 50 to 85 years old.

Guaranteed issue life insurance, means you can't be turned down for coverage if you meet the age requirements, can pay the premium, and live in a state where the life insurer offers the plan.

There is no health examination required for Colonial Penn guaranteed acceptance whole life insurance, and you won't have to answer any questions about the status of your health.

In fact, you can request a free quote for coverage and apply for your life insurance policy today.

Medicare Supplement Insurance

Medicare Supplement Insurance is a form of private health insurance that helps cover certain Medicare out-of-pocket costs such as deductibles, copayments, and coinsurance. 

Over 14 million Americans had a Medicare Supplement Insurance plans in 2018.

Medicare Supplement insurance is available to those people age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. 

Medicare Supplement Insurance Plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Guaranteed Universal Life Insurance

 What is a Guaranteed Universal Life Insurance Policy?

It’s a form of permanent life insurance. Permanent insurance is designed to last throughout your entire lifetime, no matter how old you live to be.

With guaranteed universal plans, your premiums are set at one rate for the duration of your life, or a limited payment period. 

Is Universal Life Insurance Guaranteed? 

Not always. GUL assures that your rates will not change, despite changes in the market. Without GUL, premiums might change if there is a major change in the market.

What is the Difference Between Whole Life Insurance and Universal Life?

The key difference between the two policy types is that GUL insurance allows flexible premiums. In many cases, this is due to a reduced cash value when compared to whole life policies.

Learn more about guaranteed universal life insurance plans.

 

Cheap Life Insurance for Adults

 What is the cheapest type of life insurance available for adults?

It's called "Term Life Insurance" because it provides temporary life insurance protection lasting for a set period of time, usually up to 30 years.

With term life insurance, you may choose a policy term of 10, 15, 20, 25 or 30 years of protection depending on how long you need your life insurance to last.

Term life is "Pure Protection", meaning it only provides a seat benefit, there is no cash value or investment feature with term insurance policies.

Learn more about finding cheap life insurance for adults.

 

Is Life Insurance for Life?

It depends on the type of life insurance plan you purchase.

A term life insurance policy is for life, if you pass away during the duration of your policy term, which is 30 years or less for term life coverage.

However, permanent life insurance (which costs a lot more) provides lifetime protection, no matter how long you live.

So, make sure you consider how long you need your life insurance policy to last in order to accomplish your goals, before choosing a plan.

Learn more about Is Life Insurance for Life and how life insurance works.

 

Life Insurance for Final Expenses for Seniors

 Is there life insurance available to cover final expenses for senior citizens?

Yes, seniors may purchase guaranteed issue final expense life insurance plans to cover the cost of their final expenses.

These plans offer up to $20,000 or more of life insurance with no health exams and no health questions asked.

Your approval for coverage is guaranteed if you meet the age requirements.

For example, one insurer offers guaranteed approval for people between the ages of 45 to 85 years old.

Learn more about life insurance for final expenses for seniors.

 

 

Life Insurance for 70 Plus

 Is there life insurance available for people age 70 and over?

Yes, in fact, people in their seventies may be able to purchase term life, permanent life, or guaranteed issue life insurance policies depending on their age, health and the requirements for approval of the insurers.

Even if you have been turned down for life insurance from other insurance carriers, you may still be able to get insured for life insurance in your seventies.

Learn more about buying life insurance for people age seventy and over.

 

Term Life Insurance for Housewife

 Is there term life insurance for a housewife?

Yes, housewives can get affordable term life insurance coverage online.

If you are a housewife, you may be considering the purchase of a term life insurance policy to help provide financial security for your loved ones should you pass away unexpectedly.

Many housewives choose to buy a 10, 15, 20 or even 30-year term life insurance coverage to make sure their families are taken care of in their absence.

Whether you are starting a family or you have growing children, the payout of a life insurance policy upon your passing can help provide your family with the needed funds to maintain their lifestyle and pay for the added cost of living if you are no longer there to take care of them.

Learn more about buying term life insurance for a housewife.

Final Expense Insurance in New York State

Is there final expense life insurance coverage available for citizens of New York State?

Yes, in fact, if you live in the state of New York, you may be able to purchase up to $25,000 or life insurance to cover your final expenses, including funeral and burial costs.

There are even Guaranteed Issue final expense plans available. These plans offer guaranteed approval for anyone who meets the age requirements for acceptance.

For example, one leading life insurance carrier offers up to $25,000 of guaranteed ages 45 to 85.

Learn more about getting final expense insurance in New York State.

 

 

Final Expense Insurance in Arkansas

Is there final expenses life insurance available for residents of Arkansas?

Yes, residents of Arkansas can get life insurance to cover the cost of their final expenses including funeral and burial expenses. The average cost of a funeral in the USA is around $7,800.

There are Guarantee-Issue funeral expense insurance policies available for people between the ages of 45 to 85. Guaranteed issue means you are guaranteed approval for a policy if you meet the age requirements.

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

One highly-rated insurance company offers up to $25,000 of guaranteed issue final expense coverage for funeral and burial costs. Learn more about final expense insurance in Arkansas.

Final Expense Insurance in Ohio

 Is there final expenses insurance available for residents of Ohio?

Yes. Residents of Ohio can get life insurance to cover the cost of their final expenses including burial and funeral expenses. The average cost of a funeral is around $7,800. 

There are guaranteed issue funeral insurance plans available for people between the age if 45 to 85. Guaranteed issue means you are guaranteed approval for a policy if you meet the age requirements.

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

One highly-rated life insurer offers up to $25,000 of guaranteed issue final expense coverage for applicants meeting the age requirements.

Here's how to learn more about getting final expense insurance in Ohio.

Funeral Insurance in Florida

 Is there funeral insurance available for people living in the state of Florida?

Yes, people living in the state of Florida can purchase life insurance to cover the cost of their funeral and other related final expenses. The average cost of a funeral in the U.S.A. is around $7,800. 

There are guaranteed issue funeral plans available for people between the age of 45 to 85. 

Guaranteed-Issue coverage means you are guaranteed approval for an insurance policy if you meet the age requirements for acceptance. And, you won't have to take a doctor’s exam or answer any health questions.

One highly-rated insurance company offers up to $25,000 of guaranteed issue funeral insurance coverage.

Here's how to learn more about funeral insurance in Florida.

Funeral Insurance in Virginia

 Is there funeral expense insurance for people living in Virginia?

Yes. Residents of Virginia can get life insurance to cover the cost of their funeral expenses.

The average cost of a funeral in the U.S.A. is around $7,800.

There are guaranteed issue funeral life insurance policies available for people between the ages if 45 to 85.

Guaranteed issue means you are guaranteed approval for a policy if you meet the age requirements. And, you won't have to take a doctor's exam or answer any questions about your health. 

One highly-rated life insurance company offers up to $25,000 of guaranteed issue coverage for funeral and burial expense insurance.

Here's how to get funeral insurance in Virginia.

 

Funeral Insurance in California

 Is there funeral expense insurance available for people living in California?

Yes. Residents of California can get life insurance to cover the cost of their burial and funeral expenses. The average cost of a funeral is around $7,800.

There are guaranteed issue funeral life insurance plans available for people between the age if 45 to 85. 

Guaranteed-Issue means you are guaranteed approval for a policy if you meet the age requirements. And, you won't have to take a medical exam or answer any questions about your health.  

One highly-rated insurance carrier offers up to $25,000 of guaranteed issue coverage for funeral insurance.

Here's how to learn more about getting funeral insurance in California.

Funeral Insurance in Houston

Is there funeral insurance for people living in Houston, Texas?

Yes. Residents of Houston, Texas  can get insurance to cover the cost of their funeral.

The average cost of a funeral is around $7,800.

There are Guaranteed-Issue funeral expense life insurance plans for people between the ages of 45 to 85.

Guaranteed-Issue means you are guaranteed approval for a life insurance policy if you meet the age requirements for acceptance.

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

One highly-rated insurer offers up to $25,000 of guaranteed issue coverage for funeral life insurance.

Here's how to learn more about funeral insurance in Houston.

Funeral Insurance in New York State

 Can people living in New York get burial expense life insurance?

Yes. In fact, one highly rated insurer offers up to $25,000 of guaranteed issue funeral insurance for people between the ages of 50 to 80.

Guaranteed issue means you don't have to answer any questions about your health, and you don't have to take a medical exam.

As long as you meet the age requirements, you are guaranteed approval for funeral insurance.

According to the National Funeral Directors Association, the average cost of a funeral and related expenses is around $7,850.

Learn more about buying funeral insurance in New York State.

 

Burial Insurance in Hot Springs Arkansas

 Is there burial life insurance available for people living in Hot Springs, Arkansas?

Yes. In fact, if you live in Hot Springs, you may be able to purchase up to $20,000 (or more) of life insurance to cover your funeral and burial costs.

There are even Guaranteed Issue burial policies available. These insurance plans offer guaranteed approval for anyone who meets the age requirements for guaranteed approval.

For example, one leading life insurance company offers up to $25,000 of guaranteed approval burial insurance for people between the age of 45 to 85.

Here's how to get burial insurance in Hot Springs Arkansas.

Burial Insurance in Detroit Michigan

Can people living in Detroit, Michigan get life insurance to cover the cost of their funeral and burial expenses?

Yes, there are burial policies available for people living in Detroit.

In fact, one highly-rated life insurance carrier offers up to $25,000 of burial insurance with guaranteed approval for anyone between 45 to 85 years old.

There is no health exam required, and you won't have to answer any health questions.

Even if you have been turned down for life insurance from other life insurers, you may purchase a guaranteed approval burial insurance policy, if you meet the age requirements for approval.

Learn more about burial insurance in Detroit Michigan.

Burial Insurance in Idaho

Can someone living in Idaho get life insurance to cover the cost of their burial?

Yes, there are burial expense insurance policies available for people living in the state of Idaho.

In fact, one highly-rated life insurance company offers up to $25,000 of burial expense life insurance with guaranteed approval for anyone between 45 to 85 years old.

There is no doctor exam required, and you won't have to answer any questions about your health.

Even if you have been turned down for life insurance from other life insurers, you may purchase a guaranteed approval burial expense insurance policy, if you meet the age requirements for approval.

Here's how to learn more about burial insurance in Idaho.

Burial Insurance in Texas

Can people living in the state of Texas get life insurance to cover the cost of their burial?

Yes, there are burial expense life insurance plans available for people living in the state of Texas.

In fact, one highly-rated insurer offers up to $25,000 of burial expense insurance with guaranteed approval for anyone between the age of 45 to 85.

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

Even if you have been turned down for life insurance from other life insurers, you may buy a guaranteed approval burial life insurance policy, if you meet the age requirements for approval.

Learn more about burial insurance in Texas and how to get insured.

Burial Insurance in Louisiana

 Can people living in Louisiana get life insurance to cover the cost of their burial and funeral?

Yes, there are burial life insurance policies available for people living in Louisiana.

In fact, one highly-rated life insurer offers up to $25,000 of burial insurance with guaranteed approval for anyone between the ages of 45 to 85 years old.

There is no physical exam required, and you won't have to answer any questions about your health.

Even if you have been turned down for life insurance from other life insurers, you may purchase a guaranteed approval burial expense insurance policy, if you meet the age requirements for approval.

Here's how to get burial insurance in Louisiana.

Burial Insurance in North Carolina

 Can people living in North Carolina get life insurance to cover the cost of their burial expenses?

Yes, there are burial expense life insurance plans available for people living in the state of North Carolina.

In fact, one highly-rated insurer offers up to $25,000 of burial insurance with guaranteed acceptance for anyone between the ages of 45 to 85 years old.

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

Even if you have been turned down for life insurance form other insurers, you may purchase a guaranteed approval burial life insurance policy, if you meet the age requirements for approval.

Here's how to get burial insurance in North Carolina.

Burial Insurance in Pennsylvania

 Can I buy burial insurance on Pennsylvania?

Yes, there are burial insurance plans available for residents of Pennsylvania.

You can contact a local insurance agent, call insurance companies direct for a quote, or visit a life insurance website online to learn more and get a price quote on burial insurance coverage.

There are even guaranteed issue burial expense insurance policies available for people between the ages of 45 to 85.

These plans offer coverage with no health examination required and you won't have to answer any questions about your health.

Here's how to get burial insurance in Pennsylvania.

Burial Insurance in Florida

Can I buy burial insurance on Florida?

Yes, there are burial insurance plans available for residents of Florida.

You can contact a local insurance agent, call life insurance companies direct for a quote, or visit a life insurance website online to learn more and get a price quote on burial insurance coverage.

There are even guaranteed issue burial life insurance plans available for people between the ages of 45 to 85.

These plans offer coverage with no health exam required and you won't have to answer any questions about the status of your health.

Here's how to get burial insurance in Florida. 

Burial Insurance in Ohio

 Can I get burial insurance on Ohio?

Yes. You have several options for purchasing burial expense life insurance on the state of Ohio.

You may contact insurance companies direct, call a local insurance agent, or visit an insurance website that offers burial life insurance quotes and coverage online.

Some burial insurance plans offer guaranteed approval for people ages 45 to 85. That means, even if you have a pre-existing health condition, you cannot be turned down for coverage.

Here's how to get burial insurance in Ohio.

Burial Insurance in Wisconsin

 Can you get burial insurance in the state of Wisconsin?

Yes, in fact, you may purchase burial insurance in several different ways if you live in Wisconsin.

You have a choice of contacting insurers direct, calling a local life insurance agent, or visiting a life insurance website that offers burial expense insurance plans.

Burial policies are available with guaranteed approval for people ages 45 to 85. With this type of plan you won't have to take a medical exam or answer any questions about your health.

Usually, burial life insurance plans offer up to $25,000 of coverage.

However, some insurers may offer lower maximum limits of insurance.

And, you may also purchase a plan on your spouse if the coverage is needed.

Here's how to get burial insurance in Wisconsin.

Is Term insurance a Good Idea?

Yes, term insurance is a good idea if you need life insurance to last for a period of thirty years or less.

Term life insurance provides the most affordable life insurance coverage lasting for 30 years or less.

You may choose a policy term of 10, 15, 20, 25 or 30 years to meet your specific needs.

The shorter your policy duration (term), the lower your cost per $1,000 of life insurance.

If you die during your policy term, the death benefit is paid out to your beneficiary.

If you outlive the policy term, the coverage ends.

Learn more about is term insurance a good idea for you and your family.