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.
An HIV test is usually required when a person purchases life insurance.
However, there may be requirements that vary based on the person's age and the amount of life insurance requested.
For instance, some insurers may require an HIV test for all adults and people purchasing more than $25,000 of life insurance.
The result of your HIV test may affect your approval for life insurance and the cost, as well as, how much life insurance you may qualify to buy.
Some insurers accept people who test positive for HIV, while others may decline you for coverage.
Here's how you can learn more about Life Insurance for People with HIV.
No, a life insurance policy does not have a payout at the end of the term unless "ROP" life insurance was purchased.
ROP stands for "return of premium". This type of life insurance policy charges a rate that is higher than normal term life insurance rate, which the life insurance company invests.
If you keep the term life insurance policy long enough, they are able to return the premiums due to their use of that money over the years by investing and getting a good return.
So, if you outlive the term (duration) of your term life policy, you get back most of the premiums you paid into your policy over the life of your term life insurance plan.
Learn more about return of premium life insurance coverage.
Does Metlife offer final expense insurance?
Yes, Metlife offers a final expense life insurance plan for people age 45 to 75 years old.
If you are 45 to 75 years of age you cannot be turned down for Metlife final expense life insurance due to health problems.
Metlife's final expense insurance provides up to $20,000 of whole life insurance with no health exams required and no health questions asked.
This coverage will build up cash value inside the policy over time and provide you with guaranteed lifetime protection as long as your premiums are paid on time.
Learn more about final expense insurance from Metlife and how it works.
Are you looking for a good funeral insurance policy?
If so, you'll want to understand who they work and which options may be good for you.
Funeral insurance is a type of life insurance plan that provides a limited amount of coverage to provide the funds to help pay for your funeral and burial costs.
Most funeral insurance plans offer up to $25,000 of coverage and people age 85 and under may qualify for coverage.
However, some plans offer guaranteed approval for people age 45 to 85 with no health examination required and no questions asked about your health.
Note: Funeral insurance may have graded death benefits which means you wont have full coverage until you have been insured for at least 2 years.
Two of the leading providers of funeral life insurance plans include United of Omaha and Metlife.
Here's how you can compare funeral insurance policies.
High risk life insurance coverage is issued to people who have a risk of dying at a younger age than the general population. That means, the person has a shorter than average life expectancy.
Some high risk life insurance policies cater to those who are obese.
Some high risk plans target certain health conditions; such as, diabetes or high cholesterol.
Some plans are more favorable than other insurance companies for those who have gone through treatment for substance abuse (drug addiction or alcoholism), regularly travel to foreign countries, participate in dangerous occupations or hobbies, or have unstable finances.
To find the high risk life insurance policy that best suits your particular kind of high risk, contact an impaired risk life insurance specialist who has access to many different insurance companies and can match you up with the one that offers the most favorable terms for someone with your unique risk factors.
Learn more about life insurance for high risk people.
Can a senior buy a whole life insurance policy without having to take any physical examination?
Yes, there are no exam whole life policies for seniors.
In fact, Starmount Life Insurance offers from $5,000 up to $50,000 of whole life insurance with no health exams needed.
And, you can start your life insurance policy for just 1 penny.
They accept credit cards and there's a money back guarantee if you are not satisfied with your life insurance policy.
You can continue your whole life insurance coverage to age 120. And, your policy will build up cash value over time.
You can even apply completely, safely and securely online for your life insurance policy today.
Learn more about how you can buy whole life insurance with no exam for seniors.
Is High Cholesterol Considered Heart Trouble When Completing A Life Insurance Application?
When the application for life insurance asks if there was heart trouble prior to age 60, they are asking about more serious issues; such as, coronary bypass, stent, pacemaker, defibrillator, etc.
Having a parent or close relative who is taking blood pressure medication or cholesterol medication prior to age 60 should not affect you for preferred eligibility on your life insurance policy.
However, if you have high cholesterol this will impact the rate you pay on your life insurance.
If you are taking medication and have your high cholesterol under control, it may not affect your rate too much.
Where can I find a list of the top life insurance carriers in the U.S.?
I want to purchase a life insurance policy to protect my family but I'm not sure which are the best life insurance companies.
Each year the III.org releases a list of the top life insurance carriers by number of individual life insurance policies issued from the previous year and the total life insurance premiums written.
The Insurance Information Institute is an excellent resource for life insurance reports and statistics about which insurers are leading carriers in America.
Here's how to review the list of the best life insurance companies.
The cost of a life insurance policy for someone age 70 or older will depend on several factors, including your health and if you smoke or not.
In addition, the type of life insurance and amount of life insurance protection will affect your cost of life insurance.
For instance, a 10 year term life insurance plan will cost less per year compared to a permanent life insurance policy providing the same amount of life insurance, because permanent life provides guaranteed lifetime protection no matter how old you live to.
In addition, rates on life insurance vary by insurance company.
And, other factors will have an impact on your rate for life insurance; such as, your driving record, hobbies, occupation, lifestyle, etc.
Here's how you can compare life insurance rates online in just a couple of minutes.
There are different types of term life insurance policies and each has its own rules regarding rates and increases on rates.
Annual renewable term life insurance is a step up or increasing premium which increases each year you renew your coverage.
Guaranteed level term life insurance plans offer a stable premium throughout the guaranteed period: which may last for a term of 5, 10, 15, 20 or 30 years.
After the guaranteed level period, the premiums increase.
If you convert your term life insurance policy into a permanent life insurance policy the premiums will also increase.
Here's how you can compare term life insurance rates today.