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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Can I Apply for Final Expense Life Insurance Online?

Yes, you can apply online for a final expense life insurance policy.

In fact, Met Life offers final expense life insurance that is guaranteed issue for people ages 45 to 75.

With MetLife there's no medical exam and no health questions asked for your final expense coverage.

You cannot be turned down. And, you can choose from $2,500 to $20,000 of life insurance protection for your entire lifetime.

Met Life is one of the most reputable, widely recognized names in life insurance.

Rates for your final expense plan start as low as just $10 per month.

Here's how you can learn more and request your free quote today for MetLife final expense life insurance.

Is Term Life Insurance Guaranteed?

Term life insurance usually has a guaranteed premium for the number of years in the term, for instance, for a period of 10, 15, 20 or 30 years the premium will remain the same.

Sometimes the term life premium is guaranteed for part of the term, then can go up for the remainder of the term. For instance, the premium is level for 5 years, then increases for the following 5 year period.

You can ask your insurance agent or insurance company about the conditions of the term policy to find out whether your life insurance premium is guaranteed not to go up for the entire term of your policy.

The face amount of life insurance coverage is usually guaranteed not to go down for the entire term.

Learn more about term life insurance and how it works.

I need term life insurance without medical exam for 30 yrs. and $250.000?

National Life Group is a life insurance carrier that offers no exam life insurance plans.

They have term life insurance available without any exam for a term of 10, 20 or 30 years of coverage.

There's no physical exam, no blood tests, no urine tests, and no nicotine tests.

You can get an instant quote and apply online for your life insurance policy in a matter of minutes.

If you are approved, you may start your life insurance coverage as soon as today.

The amount of life insurance available without an exam ranges from $25,000 up to $350,000. The amount you may qualify to buy will depend on your age and health.

Here's how to purchase $250,000 term life insurance with no medical exam required.

Who Has The Best Term Life Insurance Rates?

There are several life insurance companies that offer very competitive rates for term life insurance. However, the insurer offering the best term life rates for you will depend on your own personal risk factors, including your age, health, and tobacco use, among other things.

Since each insurer has their own set of underwriting and pricing guidelines, no one insurance company will offer the best rates on term life insurance for everyone.

Some life insurance companies are more competitive than others for certain classes of risk; such as, non-smokers, diabetics, married couples, or people under age 40.

The way to find out which carriers may offer the best rates for you is to compare multiple life insurance rate quotes among the leading life insurance companies.

What Is Guaranteed Premium Life Insurance?

Guaranteed premium life insurance plans mean you have a guaranteed premium that will remain the same each year for the “term” of your life insurance plan.

For instance, a 20 year guaranteed level term life insurance plan means you will pay the same premium for the entire 20 year duration of your term life policy.

The only time a guaranteed premium will increase is if you renew the term life policy at the end of your “term”. Then, the renewal premium will be based on your age at renewal, which will be much higher than you were paying for your original term life insurance policy.

Request your guaranteed level term life insurance rates comparison online today and save up to 70% on your life insurance policy.

Is Buying Life Insurance Online Safe?

Yes, it is safe to buy life insurance on the internet.

Each day more and more consumers like yourself are turning to the internet to purchase their life insurance policies.

And, mor and more insurers are making their life insurance available online.

Technology and the internet have made it possible to offer consumers the option of safely purchasing their life insurance coverage online.

Life insurance carriers use a secure online application to help you apply for and purchase your life insurance policy direct online.

By allowing the consumer to buy their life insurance online insurers are making it quicker and easier for applicants to get insured and start protecting their families with life insurance.

Today, you may be able to qualify to buy up to $350,000 of term life insurance direct online with no medical exam required.

And, if you are approved, you may start your life insurance coverage today.

Here's how to buy life insurance today.

What are Globe Life insurance coverage limits?

The coverage limit is the amount of life insurance roved by your life insurance policy.

I believe Globe Life offers several different types of life insurance including adult life insurance, children's life insurance, and accidental death life insurance.

Each of these types of life insurance have different maximum amounts of life insurance coverage available.

However, one of the best-known types of life insurance offered by Globe Life is their simplified life insurance for adults ages 18 to 78. This plan offers up to $30,000 of life insurance without any health exam, just a few Yes/No health questions.

You may even start your life insurance coverage for just $1.

Here's how to request your free Globe Life Insurance Quote online today.

Top Term Life Insurance Companies

Is there a list of the top term life insurance companies.

Yes, each year the III.org (Insurance Information Institute) issues a list of the life insurance carriers that issued the most individual term life insurance policies for the previous year.

This does not mean they are the best term life companies, or have the highest financial strength ratings, but that they did the most business for term life insurance for the past year.

When comparing term life insurance companies make sure to look at the pricing, financial rating, customer service, how long the insurer has been in business, and how their coverage compares to the other insurers.

Here is a list of the top term life insurance companies and their AM Best Company financial strength ratings.

What Does Term Life Insurance Mean?

Term life insurance is life insurance that has the premium locked in for a set number of years.

Term life insurance offers guaranteed level premiums and coverage for a period of 10, 15, 20 or 30 years.

Most term life insurance policies guarantee that the premium will not go up, and the face amount will not go down, while the life insurance policy is "In Effect" within the duration of your "term".

If you outlive the term of your term life policy, the life insurance coverage expires.

Term life is the cheapest life insurance coverage for the specific period of time you have life insurance.

Learn more about term life insurance.

When is a Life Insurance Policy regarded as “In Force”?

I believe a life insurance policy does not actually go into effect until the first premium payment is made and required paperwork is received by the insurance company.

A Life Insurance policy is "In force" when the delivery requirements along with the premium have been received during the delivery period time frame required by the insurance company.

For reinstatement of a lapsed life insurance policy, the same holds true, once they have approved and received the delivery requirements and premiums due, the life insurance policy would be in-force.

However, you may want to refer to your life insurance policy wording and contact your life insurance agent and/or life insurance company to be sure.

Here's how you may purchase life insurance direct online today.