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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Steps to Make Sure Your Life Insurance Beneficiary Will Get Paid

If you have a life insurance policy on yourself you'll want to make certain upon your passing, the person or persons you have selected as beneficiary to your life insurance actually get the death benefit paid out to them.

There are a few simple steps you can take to make sure this happens:

1. Advise your beneficiary that you have life insurance and let that person he or she is the beneficiary of your life insurance policy.

2. Make sure you update your life insurance beneficiary information if any thing changes regarding your beneficiary; such as, if the beneficiary passes away before you, and you need to add a new beneficiary to your life insurance policy.

3. Keep your life insurance policy in a safe, secure place that is fireproof (preferably). And leave instructions in your will as to where the information is stored regarding your life insurance policy or policies. That way, your beneficiary can easily access the information and make a claim on your life insurance upon your passing.

Why Buy Term Life Insurance?

If you need life insurance protection for your family you may want to consider choosing term life insurance coverage.

Why term life insurance ?

Because, term life insurance offers you several key benefits:

1. It's easy to understand.

2. It offers the lowest prices so you get the most life insurance for your money.

3. It's flexible, offering you the choice of life insurance coverage for a "term" of 10, 15, 20 or 30 years to meet your specific needs.

Continue reading "Why Buy Term Life Insurance?"

What is Met Life Final Expense Insurance?

Metlife final expense insurance is a type of life insurance policy available for people age 45 to 75.

Metlife final expense coverage provides money to help your loved ones pay for your final expenses, including the cost of your funeral and burial, among other things.

If you're age 45 to 75 you cannot be turned down for coverage.

And, you can buy up to $20,000 of final expense life insurance online from Metlife with no health exams and no questions asked about your health.

Rates start as low as $10 per month for your Metlife final expense policy.

Continue reading "What is Met Life Final Expense Insurance?"

What is the Best Term Life Insurance Company?

Are you looking for the best term life insurance carrier for your term life policy?

If so, there's plenty of insurers to choose from, but finding the best one for you will depend on your age and health, among other factors.

Since each insurer has their own pricing for coverage, you'll want to compare rates and coverage among several of the leading term life companies.

In addition, the financial strength rating will be important, as this is an indication of the insurer's ability to pay their claims.

But don't worry, there are lists available that explain which term life companies have the highest ratings and have issued the most term life insurance premiums.

Here's how you can learn more and compare the best term life insurance companies in the USA.

Can I Buy Life Insurance on My Parents?

Yes, an adult child may purchase life insurance policies on his or her parents.

You need an insurable interest in another person to buy life insurance on that person.

Insurable interest does exist between parents and their children; hover, you need to be an adult to purchase life insurance on yourself or someone else.

Many people purchase life insurance plans on their parent or parents in order to make sure there is money available to pay for the parent's final expenses, including the cost of a burial and funeral.

Continue reading "Can I Buy Life Insurance on My Parents?"

What to do if denied life insurance for depression?

There are several options you have.

One is a Guaranteed Issue life insurance policy.

The other is carefully evaluating your situation and other life insurance company guidelines.

Traditional life insurance for depression is available from a number of life insurance companies. The problem that many insureds with depression run into is that their agent has them apply to the wrong life insurance company.

The type and severity of your depression will determine which life insurance company is best for you.

There are high risk life insurance carriers that accept people considered a high risk for life insurance due to depression.

Continue reading "What to do if denied life insurance for depression?"

Globe Young American Plan

What is the Globe Young American Plan?

It's lifetime life insurance protection for your children.

With Globe Life you can give your child up to $30,000 of whole life insurance coverage starting for just $1 for the first month.

Your child will have lifetime protection at low monthly rates and the life insurance will build up cash value over time, from which your child may take a loan if needed in the future.

In addition, your child can increase the amount of life insurance coverage when reaching adulthood.

Learn more about the Globe Young American Plan today and request a free quote.

How Do I Save Money on Life Insurance?

If you're shopping for a life insurance policy you may be wondering what are some tips to help you save money on your coverage.

First, consider how much life insurance you need and what your goal is for your life insurance - what do you want it to accomplish?

Then, consider how much you can afford to spend and what type you will need - term or permanent?

Now that you've answered this questions, you'll want to use the following tips to save money:

1. Compare rates from multiple life insurance companies.

2. Choose term life insurance if you need coverage for 30 years or less, since it costs a lot less than permanent life insurance.

3. Choose an annual premium payment option which usually costs less in total than paying your life insurance premiums monthly.

4. Don't buy more life insurance than you really need.

5. Compare pricing for "terms" of 10, 15, 20 and 30 years, to find out which plan offers the most affordable coverage for the duration of life insurance you need.

How Life Insurance Policies Work

How do life insurance policies work?

If you're considering the purchase of a life insurance policy you may be wondering how life insurance coverage works.

It's important to understand what you get for your money, and how the coverage works.

Life insurance is a contract between the life insurance company and the owner of the life insurance policy.

The insurance company insures the life of the insured person, and is paid a premium by the owner of the policy, which may or may not be the insured person.

In return for the premiums paid, the insurance company agrees to pay out a death benefit upon the death of the insured person, subject to any exclusions in the policy, such as, death caused by suicide within the first two years of the person being insured (on year in some states).

The coverage amount is the amount of life insurance protection provided by the insurance policy.

Continue reading "How Life Insurance Policies Work"

What are the benefits of long term life insurance?

There are several benefits of buying a long term life insurance policy.

First, you can choose a term that fits your life insurance needs, from 1 to 30 years. The longer term life insurance policies are for 15, 20 or 30 years of coverage.

Also, your premium will remain level for the entire duration of your term life policy.

And, the amount of life insurance stays level, too.

In addition, you may have the option to renew your policy for another term of 5 or 10 years when your first term ends.

Learn about the features of term life insurance.

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