This is the place where you'll get up-to-date information on Term life online insurance, including money-saving tips, articles, company reviews and resources to help you learn about term life insurance.
Review a list of the Top 10 life insurance companies and compare free, instant life insurance quotes online.
Are life insurance quotes free or do you have to pay for them?
You can get life insurance quote comparisons free of charge. It costs you nothing to compare free life insurance quotes online.
How does it work?
You just visit an online life insurance quote provider with access to a network of leading life insurance carriers.
Then, you fill out a short quote request form which asks you how much life insurance you need, your age, gender, if you smoke or not, etc.
Then, you'll instantly receive your life insurance price comparisons on your computer screen.
The quotes will show you the lowest prices available, the names of the insurers offered, the financial strength ratings of the insurers, and your payment options.
There's no hassles, no delays and no need to meet with an agent.
Here's how to compare free life insurance quotes.
What is a life insurance needs calculator?
It's a calculator you can use to help you determine how much life insurance you need.
You just answer some basic questions about your financial situation and the calculator gives you an instant, accurate estimate of how much life insurance you should buy.
Using a life insurance calculator may help you save money on your life insurance and protect your family adequately by finding out how much life insurance you really need.
Here's a life insurance needs calculator.
What is non med life insurance?
It's life insurance you can purchase without taking any medical examination to qualify.
Usually, there are a few health questions, but no exam required.
You may be able to purchase up to $350,000 of non med life insurance, but it may be restricted to people ages 20 to 60.
These plans usually cost more than life insurance that does require a medical exam, since they may accept some people who may not otherwise qualify for life insurance if they did take a health exam.
Also, with non med life insurance you may be able to start your life insurance coverage right away, instead of waiting weeks for approval from a life insurance company that requires you to take an examination.
Here's how to learn more about non med life insurance.
How does conversion for a term life policy work?
If you have term life insurance and want to convert your term policy into a permanent life insurance policy, the conversion privilege in the term policy explains how this is accomplished.
The term life policy provides a specific date by which the insured person may choose to convert the life insurance into a permanent life insurance plan, for an additional premium.
Review your term life insurance policy section regarding Conversion Privilege or contact your agent or insurer for a more in depth explanation about how this works.
Basically, you request that your term life insurance be converted to permanent life insurance giving you guaranteed lifetime protection, but your premium will increase.
Learn more about Life Insurance Terms
How can I get a quick life insurance policy without any delays?
You can get insured for life insurance and start your life insurance coverage today - if you qualify.
Now there's instant issue life insurance policies you can buy online.
These plans require no health exam, but there are a few questions you'll need to answer about your health.
In addition, people age 20 to 60 can qualify to purchase from $25,000 up to $350,000 of protection.
And, there's a money-back guarantee that comes with your life insurance policy in case you aren't satisfied.
You can get an instant quote and apply online in minutes. If approved (most approvals within 15 minutes), you can begin your life insurance coverage immediately.
Here's how to get life insurance fast.
Is there life insurance available for seniors over age 80?
Yes, seniors over age 80 can get guaranteed issue life insurance coverage through United of Omaha.
United of Omaha is a highly-rated, well respected life insurance company affiliated with Mutual of Omaha.
United of Omaha offers guaranteed coverage for people age 45 to 85.
Their plan offers you up to $25,000 of permanent life insurance that builds cash value.
With the guaranteed issue plan there's no health exam required and no questions asked about your health.
And, you cannot be turned down for coverage due to any health problems.
Learn more about Senior Life Insurance for People over 80.
If you're shopping for term life insurance you may be wondering what a term insurance policy costs.
Actually, term insurance costs a lot less than most people expect.
Since it's temporary life insurance for a set num,her of years, the price you pay will depend on the number of years you need coverage.
You can choose a term life plan for a term of 10, 15, 20, 25 or 30 years with most insurers.
The longer the term of your policy, the higher the premium you pay.
In addition, the larger the amount of life insurance you buy, the higher your premium.
Also, your personal risk factors impact the price you pay, including your age, gender, health, lifestyle, tobacco use, driving record and other risk factors.
The younger and healthier you are, the lower the cost of your term insurance policy.
Here's how you can compare term insurance prices online from several of the leading life insurance companies in less a than 3 minutes.
What is a life insurance quiz?
It's a quiz that asks you questions about life insurance to test your knowledge.
Why should you take a quiz about life insurance?
If you are an adult and considering the purchase of life insurance to provide financial security and protection for the future of your family, you may want to start learning how life insurance works before making your purchase.
Here's a Life Insurance Quiz to test your knowledge about life insurance.
If you're a senior looking for the best life insurance plan you may want to consider the reason you need life insurance.
If it's for a temporary need of 20 years or less, a term life policy may offer the more affordable option.
If you need guaranteed lifetime protection that will last your entire life, then a whole life policy will accomplish the goal.
In addition, there are no exam life insurance plans available with guaranteed approval for seniors age 85 and under.
Here's how you can compare the best life insurance for seniors.
How can I get a life insurance policy after having a heart attack?
To get life insurance after a heart attack you may want to consider contacting a local life insurance broker who specializes in placing life insurance for high risk individuals. That broker will have access to insurers that offer high risk life insurance for people with your health history.
In addition, there are guaranteed issue life insurance policies that offer guaranteed approval for people age 45 to 85, with no health exam required and no health questions asked.
You can also search on the internet for high risk life insurance so you can compare free, instant life insurance quotes from top insurers.