What Does Life Insurance Cover You For?

If you're shopping for a life insurance policy you may be wondering what it is life insurance covers you for.

Actually, a life insurance policy pays out a death benefit to your beneficiary upon your death, subject to the terms, conditions and exclusions stated in your life insurance contract.

A covered cause of death may include natural causes, accidents and suicide, if the suicide occurs after the suicide exclusion period - usually 2 years, but one year in some states.

Learn more about what life insurance covers you for.

How Many Years Does Term Life Insurance Have?

Term life insurance is a type of life insurance policy that provides temporary protection lasting for a specific number if years.

Usually, term life offers coverage for a period of 1 to 30 years.

Most policies for term coverage are either 10 or 20 years in duration.

However, you may be able to choose a policy "term" of 10, 15, 20, 25 or 30 years, depending on your age.

Learn more about how many years term life insurance lasts.

Life Insurance Policy with No Physical

Can I buy a life insurance policy without having to take a physical examination?

Yes. However, it will depend on your age and your health.

There are several insurers now offering different types of no physical exam life insurance policies.

Healthy individuals between the ages of 20 to 60 may qualify to buy no exam term life insurance policies.

While people ages 45 to 85 may purchase guaranteed approval permanent life insurance policies with no exams and no health questions asked.

Here's how to buy a life insurance policy with no physical examination needed.

Is Guaranteed Life Insurance a Good Option?

Are you wondering if guaranteed life insurance is right for you?

It may be, but it depends on your situation.

Guaranteed issue life insurance means you cannot be turned down for coverage if you meet the age requirements and can pay the premiums.

So, if you have health problems, or you have been turned down for life insurance, or you are over 75, it may be an option to consider.

These plans are available for people ages 45 to 85 years old.

Learn more about if guaranteed life insurance is a good option for you.

Buying Alabama Life Insurance

How can I buy life insurance in Alabama?

If you live in the state of Alabama, you may purchase life insurance coverage by visiting with a life insurance agent, contacting a life insurance carrier over the phone, or there are even insurers that offer you the option to apply online for a life insurance policy.

Some insurers offer same day life insurance coverage with no health exams required, for healthy individuals who qualify for a policy.

Learn more about how to buy Alabama life insurance coverage.

Finding Term Life Insurance Online

What is term life insurance and how can I find it online?

Term life is temporary protection lasting for up to 30 years.

It pays out a death benefit to your beneficiary if you pass away during the term of your term life policy.

Term life is available online through many of the life insurance websites offering life insurance quotes.

With term life insurance, you can select coverage lasting for a policy term of 10, 15, 20, 25 or 30 years.

You can compare term life pricing by requesting a free term life insurance quote online.

Learn more about finding term life insurance online.

Low Cost Funeral Insurance

Can I get low cost funeral expense insurance?

Actually, the amount you pay for your funeral expenses insurance policy will depend on several factors, including your age, gender and amount of coverage you need.

Also, rates for a funeral policy will vary by life insurance company.

However, one highly-rated insurance carrier offers funeral plans starting as low as $8.80 per month.

The lower the amount of insurance you need, the lower your monthly cost for coverage.

Learn more about how to get low cost funeral expense insurance plans.