Buy Cheap Life Insurance Policy
How to Buy Cheap Life Insurance Policy
Are you looking to buy a cheap life insurance policy?
If so, you may want to follow some helpful tips to save you time and money on your search for low cost life insurance protection.
What’s the Cheapest Life Insurance?
That’s an easy one. Term life insurance usually costs 2 to 3 times less than whole life insurance. Why? Because, term life insurance is temporary life insurance providing you with protection for up to 30 years. You can choose a "term" of 10, 15, 20 or 30 years of life insurance to meet your needs.
Get a Free Quote for Life Insurance
How Can You Buy Life Insurance Policy?
You have several options for buying life insurance – Contact a local agent, call insurers direct, or visit a life insurance website that offers instant life insurance quotes online and licensed representatives to assist you in comparing plans, choosing coverage, and purchasing your life insurance policy.
What Type of Life Insurance Plans are Available to Buy?
If you want to buy term life insurance for 10, 15, 20 or 30 years of life insurance protection, you have the option of applying online for level term life insurance which is the most popular type of term life insurance.
Level term life insurance offers you guaranteed level rates and life insurance coverage that remains the same for the entire term 10, 15, 20 or 30 years) of your term life insurance policy.
Do I Have To Take a Medical Exam?
That depends on your age and health, the insurance company, and the amount of life insurance you need.
Usually, life insurance companies do not require a full physical examination if you are under 30 and buying less than $100,000 of life insurance coverage.
If the insurance company does require a physical exam, they will pay for it.
Term life insurance with no physical exam required is another option available to you. Term life with no exam offers you the option of buying life insurance today, if you qualify.
Term life insurance without an exam offers you up to $400,000 of term life insurance without having to take a physical exam, blood or urine tests.
Life Insurance Quotes
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.
Highly Recommended – Haven Life
- Get up to $1,000,000 of affordable term life insurance today
- Apply online in under 20 minutes, start coverage today
- Backed by MassMutual, rated A++ by AM Best
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Highly Recommended – Globe Life Insurance
$1* Buys $100,000 Globe Life Insurance
- Coverage for Adults or Children
- No Medical Exam. Just a Few Yes/No Health Questions
- Free Information. No Phone Required. No Waiting
Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.
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