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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Life Insurance That Insurance That Starts Immediately

Is there life insurance I can buy that will begin coverage right away?

Yes, there is instant issue life insurance coverage available online.

With an instant life insurance policy you can get an instant quote and apply online for your life insurance.

You will be asked some health questions, but there is no medical exam required.

If approved, usually within 15 minutes, you can start your life insurance immediately.

And, there's a money-back guarantee of up to 30 days, but that depends on the state in which you live.

Here's how to buy life insurance that starts immediately.

What is an Annually Renewable Term Policy?

Annually renewable term life insurance is the shortest term for life insurance coverage available.

It's a one year term life insurance policy that allows the insured to renew coverage for another year when the first year expires, but the premium increases each year at renewal.

If you have a short term need for life insurance of 1 or 2 years, this may be a good option.

However, since the premiums increase with each annual renewal of your policy, you may want to consider a 5 or 10 year term life policy if your needs may change in the future.

Continue reading "What is an Annually Renewable Term Policy?"

What is an Annually Renewable Term Policy?

Annually renewable term life insurance is the shortest term for life insurance coverage available.

It's a one year term life insurance policy that allows the insured to renew coverage for another year when the first year expires, but the premium increases each year at renewal.

If you have a short term need for life insurance of 1 or 2 years, this may be a good option.

However, since the premiums increase with each annual renewal of your policy, you may want to consider a 5 or 10 year term life policy if your needs may change in the future.

Continue reading "What is an Annually Renewable Term Policy?"

How Life Insurance Premiums are Calculated?

How are your premiums determined for life insurance?

The price you pay for your life insurance policy depends on several factors, including the type and amount of life insurance.

In addition, your personal risk factors impact your premium including your age, gender, health, lifestyle, occupation, hobbies, driving record, family health history, and height-to-weight ratio, among other things.

The longer your life expectancy, the lower your premium. The older you are when buying your life insurance, the higher your premium.

Here's how you can find out how much life insurance costs.

Term Insurance without Medical Test

Can I purchase a term insurance policy without taking any medical tests?

Yes, there are term life insurance plans available online that offer same day coverage if you qualify.

Some carriers offer up to $350,000 of term life coverage for a term of 10, 15, 20 or 30 years of life insurance protection.

Your approval will be based on several factors including your answers to the health questions asked on the application.

You can get an instant quote and apply online for your policy in just minutes.

Here's how to buy term insurance without a medical test.

Cancer Life Insurance Policies

Are there life insurance policies for people with cancer?

Yes, someone living with cancer may purchase life insurance coverage.

If your cancer is in remission you will have more option soft choosing life insurance coverage.

However, if you have cancer and it is not in remission, your options for life insurance may be limited to guaranteed issue life insurance plans.

You could contact a high risk life insurance broker that specializes in placing life insurance for people with cancer.

Or, search on the internet for life insurance companies that insure people with cancer.

There are guaranteed acceptance life insurance companies that do not decline you due to your health, as long as you meet the age requirements for approval.

Continue reading "Cancer Life Insurance Policies"

What is the Best Term Insurance?

Are you looking for the best term life insurance?

If so, you may want to consider the following:

1. How long do you need life insurance protection? The answer will help you determine the length of your term - 10, 15, 20 or 30 years of life insurance protection.

2. What is the highest rated term life insurance company? There are hundreds of insurers in America offering term life insurance. The financial rating of the insurers are an indication of their ability to pay claims and meet their financial obligations.

3. What term life insurance companies offer the best rates? By comparing term life rate quotes from several of the best insurers you may save money on your life insurance policy.

Continue reading "What is the Best Term Insurance?"

How long do I need Mortgage Life Insurance?

If you are buying mortgage life insurance to protect your mortgage an spay off the remaining balance on your home mortgage loan in case you die, then you'll want to consider the length of time you really need mortgage protection.

Ask yourself this someplace question - How long is your mortgage loan?

Most mortgage loans last for a duration of 15, 20 or 30 years.

You'll want to select a "term" of mortgage life insurance that equals the length of time on your mortgage, so you'll have protection the entire duration your mortgage loan will last.

If you pay off the mortgage loan early, you may choose to cancel your mortgage life insurance policy.

The Best Life Insurance for Children?

What is the best life insurance coverage for children?

The best child life insurance policy will depend on what you want the insurance to accomplish for your child.

Two of the leading child life insurance carriers are Globe Life and Gerber Life.

The both offer whole life insurance coverage that builds up cash value inside the policy over the years.

Your child may increase the amount of their life insurance coverage when reaching adulthood.

And, the low monthly premium is guaranteed for your child's entire lifetime.

Some child life insurance policies start for as little as just a few dollars per month.

Child life insurance coverage can provide valuable life insurance your child may need for his or her family in the future.

Coverage can't be cancelled by the insurer due a change in your child's health in the future.

Continue reading "The Best Life Insurance for Children?"

HIV Life Insurance Coverage?

Is there life insurance coverage for people with HIV?

Yes, there are life insurance carriers that offer life insurance to people with HIV. Your approval for life insurance will depend on your health, and how you manage your HIV.

You can contact high risk life insurance brokers in your area to compare life insurance plans and rates.

Or, you can shop online for HIV life insurance coverage from top-rated insurers.

In addition, there are guaranteed approval life insurance plans available for people age 45 to 85.


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