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.
What is end of life insurance?
Also known as final expense insurance, It's life insurance that provides funds to pay for your final expenses should you pass away.
Many seniors buy end of life insurance policies because they donut have enough money saved to pay for their final expenses, including the cost of a funeral, burial burial, memorial service, headstone and other related expenses.
End of life insurance can provide your family with the funds needed to pay for your funeral and burial expenses so they don't experience financial difficulties while grieving your loss.
Plans offer up to $25,000 of end of life insurance with guaranteed approval, which means you cannot be turned down due to any health problems.
Learn more about end of life insurance.
Choosing the right amount of life insurance is one of the most important issues to consider when shopping for a life insurance policy.
Why? Because, you want to make sure your family is adequately protected but you sonly want to pay for more life insurance than you really need.
So, you'll want to think about your goals - what you want to accomplish for your family and how much it will take to accomplish those goals - paying off the home mortgage loan, paying the the kid's college costs, replacing your income, etc.
How can you find the right amount of coverage?
The easy way is to use a life insurance calculator that asks you some questions and instantly gives you an accurate estimate of just how much life insurance you need to meet your goals.
If you need life insurance you may be shopping around for a good life insurance company - one that offers affordable coverage from a highly rated carrier.
If so, here are some tips to help you make your decision:
1. Comparing pricing from multiple insurance companies.
2. Review the AM Best financial strength ratings of the insurers.
3. Ask friends and family about their own experience with any of the life insurers you consider.
4. Review their customer service ratings.
5. Find out how long the insurer has been in business.
6. Find out how many policyholders they currently have.
7. Find out if they have a good reputation for paying life insurance claims.
Finally, here is a list of the top life insurance carriers in America for your review.
Yes, a senior citizen may purchase a whole life insurance policy without having to take a physical examination.
There are no exam whole life policies available that offer guaranteed approval for seniors.
If you're between the ages of 45 to 85 you can buy up to $25,000 of guaranteed approval life insurance, which means you cannot be turned down for a policy due to any health problems.
Some senior no exam life insurance plans start for as little as $8.80 per month.
Here's how you can learn more about whole life insurance with no exam required.
If you're shopping for a life insurance policy you may want to find the best insurers to compare rates and plans.
Best what are the best life insurance companies in America?
That depends on how you rate the insurers - By size, number of policies issued, financial strength rating, customer service, length of time in business, etc.
There is a list from the III.org (Insurance Information Institute) that provides the names of the top life insurance carriers and their financial strength rating.
Some of the names on the list you may have heard about including New York Life, Northwestern Mutual and Met Life among others.
Here's a list of the top life insurance companies in America.
Are you in need of affordable life insurance to protect the future for the ons you love?
If so, you may be overwhelmed by all the choices there are on the internet.
Don't worry, there is an option that will help you find the coverage you're looking for at an affordable price, and they can help answer all of your life insurance questions.
Wholesale Insurance has helped more than 500,000 American families find quality, affordable life insurance over the past 30 years.
They have the expertise, knowledge and customer service to assist you through the entire buying process so you save time and money when shopping for your life insurance coverage.
That's a good question.
Term life costs much less than a whole life policy for a fees reasons:
1. Term life is temporary coverage.
2. Term life builds no cash value inside the policy.
3. Term life does not offer loans.
4. Term life is pure protection, not an investment.
5. Term life is flexible offering coverage for 10, 15, 20 or 30 years, not permanent lifetime coverage.
Many whole life insurance policies will cost you 3 to 5 times more for the same amount of life insurance compared to term life policies.
If you need temporary life insurance to meet your needs of 30 years or less term life offers the most affordable coverage available.
Here's how you can request free term life insurance quotes and save up to 50% or more on your life insurance policy.
A life insurance policy with a 20 year term is temporary coverage that lasts for a period of 20 years.
It's a level premium policy with premiums that remain the same each year for twenty years.
And, the amount of life insurance provided by your policy stays level through the entire 20 year period.
These plans are good if you have a financial obligation that will last for a period of 20 years or less; such as, a home mortgage, or young children you want to protect financially until they are grown and on their own.
Learn more about life insurance for a 20 year term.
One of the most important decisions you make regarding life insurance is who will receive the proceeds of your policy should you die.
The recipient(s) of your death benefits are called your beneficiaries.
It's important to review the beneficiaries of your life insurance and make any necessary updates on a regular basis, especially when major life events take place including marriage, birth of a child, divorce, adoption, or death of a clause relative.
You want to make sure the people you choose to receive your life insurance actually get the proceeds so make sure they know you have life insurance, where the policy is located, and what to do in order to make a claim on your life insurance.
There are many insurance carriers that offer term life insurance because it is one of the two basic types of life insurance coverage: term or Permanent.
Some of the leading term life insurance companies include New York Life, State Farm, Allstate, Prudential, Progressive, Banner Life, Metlife, and Transamerica.
Term life insurance provides you with temporary coverage with terms available for a period of 10, 15, 20 or 30 years of protection.