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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No Exam Life Insurance for Seniors?

Is there no exam life insurance available for senior citizens?

Yes, there are several different plans for senior no exam life insurance that may be available.

Some of these no exam senior plans include term life with no exam, and guaranteed issue life insurance for seniors.

Senior term life insurance with no exam may offer full coverage immediately for a senior, while guaranteed issue senior life insurance has graded benefits the first 2 years you are insured.

There is one life insurance carrier rated "A+" (Superior) by AM Best for financial strength that offers people age 78 and under up to $30,000 of life insurance with no exam and you get full coverage from the first day you are insured.

Here's how you may buy senior life insurance with no exam required.

Buy Life Insurance Online Instantly

Is it possible to purchase life insurance direct online today without waiting?

Yes, there are instant issue life insurance plans available for you to purchase direct online today.

In fact, one highly-rated life insurance carrier offers you the chance to purchase up to $350,000 of level term life insurance protection without taking any health exams.

There are some health questions asked when you apply, but if approved, you may start your life insurance policy right away.

You can get an instant quote and apply completely online with a safe and secure application process.

Most approvals are within 10 minutes of applying for this coverage. And, there's a 30 day money back guarantee if you are not satisfied with your life insurance policy.

Here's how you can buy life insurance online instantly today, if you qualify.

What is the Waiting Period for Burial Insurance?

If you buy a burial insurance policy with guaranteed acceptance the waiting period is usually 2-3 years before you have full coverage.

However, there are some life insurance plans to cover burial expenses that ask a few health questions and no not accept everyone. These plans usually provide full coverage immediately from the first day you are insured.

Here's how you can compare burial insurance plans online.

Buy Life Insurance Online for Children

Can you buy life insurance plans online for your children?

Yes, there are several insurers that offer you the option of purchasing your child's life insurance policy on the internet.

For example, Globe Children's Life Insurance offers you up to $30,000 of life insurance for your child with guaranteed lifetime protection that builds can value inside the policy over the years from which your child may take a loan out if needed.

The rates are guaranteed to remain level. Your child may choose to increase coverage upon reaching adulthood.

You can start the Globe children's life insurance plan for just $1, and monthly rates are as low as just a few dollars, depending on the amount of life insurance protection.

Here's how you can buy life insurance online for children.

What is term life insurance death benefit?

The death benefit from a term life insurance policy is the amount paid out to your beneficiary if you die during the term of your life insurance coverage.

It's the amount of life insurance you purchased and it is referred to as the "death benefit".

With term life insurance, in order for a death benefit to be paid out the insured must die during the time the life insurance is "In Force". This is during the term of your policy.

For instance, if you have a 10 year term life policy, you would have a death benefit paid out if the insured person died during that ten year period while coverage was "In Force".

Learn more about how a term life insurance policy works.

National Life Group

National Life Group is a life insurance company that offers a way for consumers like you to quickly and easily purchase their life insurance coverage on the internet.

National Life offers a simplified issue life insurance plan you can start today if you qualify.

National Life offers from $25,000 up to $350,000 of level term life insurance without any health exam required.

You can get an instant life insurance quote and apply online for your coverage in minutes.

If you qualify, you may start your life insurance policy today. And, if you are not satisfied with your life insurance there's a 30 day money-back guarantee.

Why wait for weeks to find out if you are approved, when you can start protecting your family with affordable life insurance coverage today?

Continue reading "National Life Group"

No Health Exam Life Insurance

How much life insurance can I buy without taking a health exam?

That depends on the life insurance company, your age, health and what you can afford to pay.

However, if you are healthy and meet the age requirements, you may qualify to buy up to $500,000 of life insurance with no health exam required.

There are different insurers and amounts of coverage available without an exam.

Most insurers offering no exam life insurance may offer from $25,000 up to as much as $500,000 with no exam, just some health questions for you to answer.

You can review your options, request free quotes, and apply online for your no health exam life insurance policy today.

If approved, you may be able to start your life insurance the same day you apply.

Life Insurance - Term or Permanent?

Which life insurance is best for me, term or permanent?

That depends on what you want your life insurance to accomplish - the goal?

Term life is best for people in need of life insurance protection for a period of 30 years or less, as it offers the lowest prices for short term life insurance. So, if you have a home mortgage, young children, or a spouse you want to provide for in case you pass away, term life can help.

On the other hand, if you need guaranteed lifetime life insurance protection, permanent life insurance may be there best option for you.

Permanent life insurance costs more, but has level rates for your entire lifetime and builds up cash value inside the policy from which you can take a loan, if needed.

Some people choose to purchase bother a term policy and a permanent policy to meet there short and long-term life insurance needs.

Continue reading "Life Insurance - Term or Permanent?"

Is It Safe to Buy Life Insurance Online?

Yes, it is safe to buy life insurance online.

Life insurance companies that offer online life insurance use a secure system that keeps your personal information safe.

You can get a quote, apply completely online and start your life insurance policy today.

No exam life insurance plans offer you the chance to safely and securely purchase your life insurance direct online and start your life insurance coverage today if you qualify.

Life Insurance without a Physical?

Is there life insurance you can buy without taking a physical?

Yes, these are called no exam life insurance plans and you may purchase no exam policies online, if you qualify.

No exam life insurance costs more than life insurance that does require you to take an exam because they may accept some people who may not qualify for life insurance if they took an exam.

In addition, no exam life insurance allows you to purchase and start your life insurance today, if you qualify for coverage. There are no exams, but you do have to answer some questions about your health.

Your age and health will determine if you qualify, and how much life insurance you may purchase.

Learn more about how to buy life insurance without a physical.