Term Life Insurance Blog

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.

You can learn how term life insurance works, get free term life insurance quotes, or learn about term life insurance no exams required.

Review a list of the Top 10 life insurance companies and compare free, instant life insurance quotes online.


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Can I Be Turned Down for Guaranteed Life Insurance?

No, you cannot be turned down for guaranteed life insurance, unless you do not meet the age requirements for approval.

For example, some carriers require you to be age 45 to 85 for guaranteed acceptance.

And, if you meet the age requirements, you are guaranteed coverage regardless of your health.

Learn more about guaranteed approval for life insurance.

How do I know how much life insurance I need?

Our easy-to-use online Life Insurance Needs Assessment Tool can help you quickly and easily determine the right amount of coverage for you and your family.

Just enter your expenses and assets, and how much money you would like to provide for your loved ones and estimate your life insurance needs.

Then use the life insurance premium calculator to get a feeling for how much life insurance coverage would cost for you.

What are the benefits of having conversion options as part of a term life insurance policy?

The option of Conversion on a term life insurance policy allows you to upgrade your life insurance coverage to permanent life insurance without medical proof of insurability.

That means, you wont have to take any medical exam to qualify for the permanent life insurance policy.

It ensures your ability to get permanent insurance at a later date, even if you experience changes in your health or occupation.

Learn more about convertible term life insurance coverage.

Will my life insurance premiums increase over the term of my policy?

Your life insurance premiums are fixed for the duration of the term of your policy and guaranteed not to increase during that period, even if your health changes.

So, if you have a 10 year level term life insurance policy your premiums will stay the same each year for a period of 10 years.

Request a free life insurance quote.

How to Get Money for Cancer Patients?

Are there loans available for people with cancer?

Yes, in fact, you may be able to get a loan from your existing life insurance policy.

Life Credit Company offers the Living Benefit Loan Program for people with cancer or other serious illnesses.

They can help you get the money you need to help pay for your treatment and living expenses.

And, you don;t have to make any loan payments to get a loan.

Learn more about how to get money for cancer patients.

Does Life Insurance Cost More for Monthly Premiums?

Yes, almost all life insurance carriers add a surcharge to your premiums if you choose to pay premiums monthly instead of annually.

The surcharge is to cover the additional cost of the handling and processing of additional premium payments.

So, if you want to get the lowest price on your life insurance policy, you may want to choose the annual premium payment option.

Here's how to compare instant life insurance quotes online from top carriers with no obligation.

Can I Get Life Insurance without Answering Any Questions About My Health?

Yes, there are life insurance plans that offer coverage with no exams and no health questions asked.

These are called "guaranteed issue" life insurance policies and they offer a limited amount of life insurance for people who meet the age requirements for approval.

Some plans offer guaranteed coverage for people ages 45 to 85, which means you cannot be turned down due to any health problems if you are age 45 to 85.

You may be able to purchase up to $25,000 of guaranteed approval life insurance from a single insurance carrier.

Here's how to get life insurance without any health questions.

Loans for Cancer Patients

Are there loans available for patients with cancer?

Yes, in fact, if you have a life insurance policy with coverage of at least $100,000 you may get a loan.

Many cancer patients need money to help pay for their treatment and living expenses when undergoing medical treatment after a diagnosis of cancer.

There's a company that can help you get the loan you need. Learn how to get a loan for cancer patients.

How can life insurance help protect my family?

Life insurance can help protect your family members when they suffer the loss of a breadwinner or stay-at-home parent.

Life insurance provides provides income tax free money which allow the family to to help maintain its standard of living.

The death benefit paid out by a life insurance policy can help pay for your funeral expenses, pay off your mortgage loan on your home, set aside college tuition for your kids and help provide financial peace of mind after your loss.

Learn how a term life insurance plan can provide you with affordable life insurance protection.

Can I Buy Mortgage Insurance without any Health Exam?

Yes, there are life insurance plans available to protect your mortgage loan in case you die, without any health exam requirement.

In fact, you may be able to purchase up to $400,000 or more of mortgage life insurance without taking any physical exam.

These plans usually offer you protection for a duration of 10, 15 or 20 years.

You can get an instant price quote and apply for your policy today.

You may get approved in as little as 24 to 48 hours, and start your coverage, instead of having to wait up to 4-6 weeks for a policy.

Learn more about how to get mortgage insurance without a health exam.


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