Checklist for Buying a Term Life Insurance Policy Online

• First, you need to understand your current and future financial needs for you and your loved ones. You can use our life insurance needs calculator to quickly and easily determine your life insurance needs.

• Next, you want to shop and compare multiple life insurance quotes from a few quality quote providers. This way you can compare quotes, coverage, exclusions, benefits and overall premiums.

• Check on the financial status of the insurance companies you are considering. The quotes you receive should identify the A.M. Best Financial Rating of each insurer. This gives you a good understanding of the financial strength and security of the insurer.

• Take your time. Review the offers carefully. If you want, request a copy of the insurance policy to better understand all exclusions, restrictions and coverage.

• Select the one best policy to meet all your needs.

• Make sure you have completed the application accurately. Make sure to answer all questions honestly. Your coverage relies on the responses to your application.

• Choose the annual payment option if you can afford it. There is usually a surcharge added to the premium if you choose to pay monthly, quarterly or semi-annually.

• Most consumers purchase a level term life insurance policy. Because it provides you with guaranteed rates that will remain the same for the full term of your policy. And, you can usually get the maximum amount of protection at the lowest rates.

• It usually takes the insurance company about 45 to 60 days to get your life insurance policy to you. Once you receive it, make sure to review the policy and make notes about anything you don’t understand. That way you can contact your agent and get a clear understanding of all questions you have.

• Also, make sure there are no errors in your policy. Check your address, name, age, coverage amount, rates, policy period and beneficiaries.

  Remember, most life insurance policies come with a Free Look Period of between 10 to 30 days. If you decide you don’t want the policy once you receive it, contact your life insurance company immediately. You can get a full refund of the premiums you have paid.

Please Choose from one of the options listed below:

Get your free term life insurance quotes - You will be asked to fill out one form which takes about a minute, then you will receive the 12 lowest quotes for term life insurance instantly, from more than 77 top-rated insurance companies.

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Apply for term life insurance online - Just answer a few simple health questions to apply online and get approved within 15 minutes, if qualified. There's no need to meet with an agent. It's fast, easy and affordable. There's a "No Risk" 30 day Money-back Guarantee.