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.
How can I get life insurance quotes for senior citizens?
Seniors have several options when it comes to comparing rates on life insurance coverage.
1. Contact a local life insurance agent or broker.
2. Call life insurance companies direct.
3. Visit a life insurance website and request free quotes.
The quickest and easiest option may be to visit a life insurance web site that offers free quotes with no obligation.
You visit the life insurance quote provider, answer some quick and easy questions about your life insurance needs, and then you instantly see your free quotes on your computer screen.
Your senior life quotes will show you the insurers names, their financial strength ratings, the amount of life insurance, and the prices for the life insurance coverage.
In addition, there are guaranteed issue life insurance plans available for seniors from age 45 to 85. These plans require no exam or health questions.
Here's how to get your free senior life insurance quotes online today.
Yes, senior citizens may purchase life insurance policies for themselves and/or their spouses, or adult children.
Seniors may have the option of buying one or more life insurance policies, and choose from term life, permanent life, or guaranteed issue life insurance plans.
Term life is the lowest priced life insurance for seniors and provides coverage for a period of 5, 10, 15 or 20 years, usually.
Permanent life insurance provides guaranteed lifetime life insurance protection and may build some cash value inside the policy over the years.
Guaranteed issue life insurance basically means you cannot be turned down for coverage due to your health. Usually, people age 45 to 85 can get a guaranteed issue life insurance plan.
Learn more about how to get life insurance for seniors.
Where can I buy funeral insurance?
If you need a funeral insurance policy you may be able to purchase coverage from a life insurance agent or broker in your town.
Another option is to look up funeral insurance companies in your yellow pages for a life insurance company, or search carriers on the internet and call them direct for a free quote.
You also have the option of searching for funeral insurance online and requesting a free, instant quote direct from the website.
Funeral insurance is a type of insurance that provides a death benefit of up to $25,000 (usually). You may choose from $2,500 of coverage or more as needed.
Funeral policies usually have guaranteed acceptance for people age 45 to 85, depending on the insurance carrier.
And, they are easy to purchase since there's no health exam required and no health questions asked.
Actually, if they are guaranteed issue, you cannot be turned down due to any health problems.
Here's how to learn more and request your free quote for funeral insurance today.
How can I get burial insurance direct online?
There are several insurers that offer burial insurance coverage on the internets.
Some of the leading providers of burial plans online include United of Omaha, Metlife and Lincoln Heritage, among others.
Burial insurance policies offer you up to $25,000 of life insurance coverage with no health exam required and no health questions asked.
And, you can't be turned down for approval if you meet the age requirements and live in a state in which the insurance company offers the insurance.
Some plans offer guaranteed approval burial insurance for people age 45 to 85, while other insurers offer guaranteed acceptance for people age 45 to 75.
You can start the process of purchasing your burial insurance direct buy requesting a free burial insurance quote today.
What are the most affordable life insurance policies?
Term life insurance offers the most affordable life insurance protection.
Term life is the cheapest for several reasons:
1. It provides Temporary life insurance coverage for up to 30 years.
2. You choose how long you have life insurance - 10, 15, 20, 25 or 30 years.
3. There's no investment feature - just pure life insurance protection.
4. Many people outlive the duration of their term life policy - so no death benefit is paid out on those plans.
Level term life insurance has level premium and the amount of life insurance stays the same each year for the entire length of time your term lasts.
Usually, term life costs 2 to 3 times less than the same amount of permanent life insurance protection.
Learn more about finding affordable term life insurance.
Can I get life insurance on my spouse?
Yes, if you are married you can buy a life insurance policy on your spouse since you have an insurable interest in your spouse.
Many married couples choose to purchase life insurance on their spouses to help out financially if their spouse should pass away.
For example, you may be married and have a home with a mortgage, or rely on your spouse's income to help pay the monthly bills.
How would you be able to pay those bills if you didn't have your spouse's income?
And, do you have enough money saved to pay for your spouse's funeral if he or she were to pass away?
The money you receive from your spouse's life insurance policy can be used for any purpose you choose, including to pay for final expenses, pay off the home mortgage, provide for your retirement, pay off credit card debt, or anything else you decide to use it for.
Having life insurance on your spouse is a financially sound idea to make sure you can survive without your spouse's income, and maintain your lifestyle.
Get a free quote for life insurance on your spouse today.
I bet you'll find life insurance on your spouse to be cheaper than you expect.
What does a life insurance policy cost?
The price you are charged for a life insurance policy will depend on the type and amount of life insurance you need.
In addition, your own personal risk factors will impact the cost of your life insurance.
Your risk factors include your age, gender, health, lifestyle, occupation, hobbies, if you use tobacco, your driving record, and other factors that may affect your longevity - how long you are expected to live.
You can get a price comparison from several of the leading life insurance companies in just a few minutes by requesting instant life insurance quotes online.
Yes, a person who is a stroke patient may qualify for life insurance coverage.
You could apply for a fully underwritten life insurance plan but you would have to answer some health questions and take a physical examination. Your approval would depend on your age, health, how long ago you had the stroke, your prognosis, and the insurance company guidelines for acceptance.
In addition, there are guaranteed issue life insurance plans that offer guaranteed life insurance coverage for people age 45 to 85, regardless of your health.
I want to purchase life insurance on my parents - where can i get coverage for them?
In order to buy life insurance on someone else you need an "Insurable Interest" in that person you wish to insure for life insurance.
Adult children do have an insurable interest in their parents, so you may buy life insurance on one or both of your parents.
You can contact a local life insurance agent or broker, call life insurers direct, or visit a life insurance website to start the process of purchasing life insurance on your parent.
In order to learn more about the process please read this article on How to Buy Life Insurance for Your Parent.
Mortgage insurance for death is a type of life insurance policy that pays out a death benefit upon the death of the insured person.
The insured is the person who has the mortgage loan. The insured carriers a mortgage loan on his or her home, and if he or she passes away, the death benefit is available to help pay off the remaining balance on the outstanding mortgage loan on the insured's home.
Here's how to get a free quote for mortgage death insurance.