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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How Much Does Gerber Life Insurance Cost?

Gerber Life Insurance premiums are priced according to your age and the amount of life insurance coverage provided you can qualify based on the non-medical underwriting questions asked on the application for coverage.

You may want to compare premiums with other life insurance carriers. Gerber may or may not offer you the least expensive life insurance policy based on your particular health, age and needs.

Gerber offers child life insurance plans with a low premium for children starting at about a few dollars per month.

In addition to Gerber, Globe Life offers child life insurance plans. Here’s how you can compare Globe Life vs Gerber Life.

Who Is The Best For Life Insurance?

Each life insurance company has its own niches where it is the most affordable compared to other insurers, so the best life insurance for one person may not be the best life insurance for someone else.

That's why it is so important to compare insurers and rates to find the life insurance company that offers you the best plan and the most affordable price.

Be sure that you are comparing the same type of life insurance plans when you compare pricing among several different insurance carriers.

Compare the best companies for life insurance.

Does Life Insurance Cover Accidental Death?

Yes, accidental death is covered by life insurance.

Life insurance usually covers death by natural causes and accidental death.

However, suicide is usually excluded if it occurs within the first two years you are insured, one year in some states.

Accidental death insurance is a separate type of life insurance policy that only covers death caused by an accident.

Learn more about how accidental death insurance works.

Who Are The Best Term Life Insurance Companies?

The best term life insurance company is the one that has a life insurance policy "In Force" on your life and will pay the death claim to your beneficiary when you die.

Statistically that is a very low percentage of policies since most term life insurance policies expire before the insured dies, or the insured stops paying the premiums and the coverage lapses.

However, the value of your term life policy is in its performance.

The rates will vary somewhat by insurer as some term life companies specialize in insuring certain types of risk, for instance, diabetics, seniors, smokers or young adults.

Here is a list of the best term life insurance companies.

Is Whole Or Term Life Insurance Better?

Your specific need for life insurance is what makes term life or whole life insurance better for you.

If your need is for a lot of life insurance protection for short period of time (30 years or less), term life would probably work best for you.

If your need for life insurance is for a policy to pay for your funeral expenses, whole life insurance is probably better type of coverage because it will guarantee you have life insurance your entire lifetime.

What Happens When A Term Life Insurance Term Ends?

When a term life insurance policy ends, there is no more life insurance coverage provided by the policy.

If you have renewable term life insurance you may choose to renew your policy for another term, usually one year, at a higher rate.

Or, you may choose to apply for a new term life insurance policy when your current policy expires.

However, if your term life insurance ends and you are alive, there is no more coverage provided by the policy.

What Is Simplified Whole Life Insurance?

Simplified whole life insurance is a type of permanent life insurance policy that does not require you to take a physical examination to qualify for coverage.

Simplified life insurance makes it easy for the consumer to apply for and purchase their life insurance coverage.

You may get a quote, apply online and start your simplified life insurance the same day you apply for coverage.

However, rates for a simplified life insurance policy are higher than for life insurance that does require you to take a medical exam.

But, you may be able to start your life insurance coverage much sooner than if you had to go through the lengthy process of purchasing life insurance that does require a medical exam.

Here's how you may apply for simplified whole life insurance coverage online today.

Which Is The Best Life Insurance Company?

There is no one best life insurance company for everyone.

Each person has their own set of risk factors that a life insurance company considers when you apply for a life insurance policy.

And, each insurer has their own set of guidelines as to how they rate your risks, and what impact they will have on your rate for life insurance, and your approval for coverage.

These risk factors include your age, gender, health, lifestyle, tobacco use and driving record, among other factors.

In addition, some insurers have more experience insuring certain classes of risk for life insurance; such as, seniors, smokers, or diabetics, for instance, which makes them more competitive for these classes of risk for life insurance.

Here is a list of the top life insurance companies that was issued by the Insurance Information Institute.

What Is Non-Term Life Insurance?

Term life insurance is temporary life insurance for a certain period of time, usually providing life insurance protection for up to 30 years.

A non-term, or whole life insurance policy provides you with life insurance for your entire lifetime, guaranteed, as long as the premiums are paid on time.

So, term life insurance coverage ends after a specific number of years, while whole life insurance ends when you pass away.

Whole life insurance costs more than term life, and may build up some cash value inside the policy from which you may take a loan.

How Long Is A Whole Life Insurance Policy Good For?

A whole life insurance policy provides life insurance coverage for your whole life.

You can pay for your whole life policy in one lump sum, or pay premiums for the rest of your life, or somewhere in between, for example, pay premiums to age 65.

As long as sufficient premiums are paid for your life insurance coverage, and you have not borrowed money from your policy without paying it back with interest, your whole life insurance policy will stay in effect for your entire lifetime.