Are you looking for life insurance information online?
If so, you’ve come to the right place.
We have put together several helpful resources to assist you in learning, comparing, shopping and saving on your life insurance.
What is life insurance?
Life insurance is a contract between an insurance company and an individual. You agree to pay premiums to the insurer in exchange for a lump sum of money being paid from the insurance company to your beneficiary upon your death – subject to the terms of the life insurance policy.
What are the basic types of life insurance?
There are two basic types of life insurance: Term and Permanent.
Term life insurance is temporary coverage for a term of up to 30 years; whereas, permanent life insurance lasts your entire lifetime.
Learn more about term life insurance versus permanent life insurance.
How much life insurance do I need?
The amount of life insurance you need to protect your loved ones will depend on your personal situation and goals; as well as, the amount of money you earn, and your total savings and debt.
Use this life insurance needs calculator to assist you in determining how much life insurance you need.
How much does life insurance cost?
The cost of a life insurance policy will depend on several factors including the type and amount of life insurance, your age, health and gender, and your personal risk factors including your lifestyle, tobacco use, driving record, occupation, hobbies and height-to-weight-ratio, among other things which are considered to determine your life expectancy.
Here's how to request your free life insurance quotes online.
What are the best life insurance companies?
There are hundreds of life insurance carriers in the USA. Among the leading insurers are well-known and respected companies which include Prudential, Metlife, Northwestern Mutual, Mass Mutual, Transamerica and State Farm, among others.
Each year, the III.org (Insurance Information institute) issues a list of the top life insurance companies.
Here is a list of the best life insurance companies.
What is a life insurance medical exam?
It’s an exam performed by a paramedical examiner who comes to your home or office to give you a check-up. The medical exam is paid for by the insurance company.
Learn more about how a life insurance medical exam works.
Can I get life insurance without taking an exam?
Yes, there are insurers that offer no exam life insurance policies; however, they may be limited in the amount of life insurance available and vary by age and health.
Here's how to get life insurance without taking an exam.
How long does it take to start my life insurance policy?
Usually, it would take up to 6-8 weeks for an insurance carrier to review your application for coverage, perform all underwriting needed and review your health records to determine if you qualify for coverage, and to issue you a life insurance policy.
Can I buy life insurance coverage online?
Yes, in fact, if you qualify you may purchase up to $1,000,000 of life insurance and start your coverage today.
Here's how to buy life insurance coverage online.
What life insurance terms should I know?
Here is a complete glossary of life insurance terms to assist you in understanding important terms regarding how life insurance coverage works.
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