Term Life Online 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 life insurance quotes, or learn about term life insurance with no exams.

How Term Life Insurance Works

Are you interested in Term Life Insurance?

Term life is the most popular form of life insurance available. Why? Because it offers the most protection at the lowest cost.

There are some things to learn first.

Term life insurance is temporary protection, lasting for 1-30 years.

Term life insurance builds no cash value.

Learn more about how term life insurance works.

What is Term Mortgage Insurance?

Are you shopping for Mortgage Insurance?

If so, you may want to consider Term Mortgage Insurance.

Mortgage term insurance offers you level term life insurance protection to pay off your mortgage if you pass away.

Level term life insurance provides protection with premiums and coverage amounts that remain the same for up to 30 years.

Why Do Men Pay More For Life Insurance Then Women

Did you know men pay more for life insurance (on average) then women?

That's right! And there's a few good reasons for that.

First, women have a longer life expectancy. So, the chance of the life insurance company paying out a claim is less for women, than it is for men.

Lost Life Insurance Policies?

Here's a very interesting article regarding life insurance policies that the heirs cannot locate after you pass away. It happens a lot!

Source: PR NewsWire

Smart Consumers Won't Make Heirs Wait to Locate Lost Riches

While producers of TV shows* are locating long-lost legacies, smart consumers are ensuring that their heirs won't have to wait for a news show to find life insurance, safe deposit boxes, and other assets, thanks to a new registry and reminder service named FindYourPolicy.com. http://www.findyourpolicy.com

According to a recent Dateline NBC story, 1 out of 8 Americans have unclaimed funds amounting to over $30 billion sitting in state treasuries -- much of which is the result of unclaimed life insurance policies. Some estimates are even higher -- the National Association of Unclaimed Property Administrators puts the figure as high as $23 billion every year in unclaimed assets.

Soldiers and Life Insurance

Here's a good article for all servicemen and women to help you understand life insurance availability and what might happen if you're not careful.

Source: PRWEB

Life Insurance Site Warns Soldiers of Predatory Practices

- Soldiers in the United States Armed Forces should be wary of predatory and deceitful practices in the life insurance industry. PlatinumInsurance.info, a Web site that offers information on life insurance, has been hearing shameful reports of young service members being sold expensive life insurance polices they didn't need or didn't even realize they had bought. The team at Platinum Insurance would like to warn soldiers to be wary of these schemes.

Learn About Life Insurance for Children

Life insurance for children offers many benefits that could help protect your child's future.

For instance, childrens life insurance may guarantee your child life insurance protection as an adult, even if they have an accident, join the military, or develop a health problem.

In addition, some children's life insurance plans provide the option of doubling your coverage when your child reaches age 18 or 21.

And, life insurance plans for children may grow cash value within the policy, for your child's future.

Learn more about Life Insurance for Children today.

Free Life Insurance Videos to Help You Learn About Life Insurance

If you want to learn more about life insurance, check out these free life insurance videos that help you understand how life insurance works.

It's definitely worth it to find out what you need to know before buying a life insurance policy.

Click here to visit the Life Insurance Videos now.

Can I Buy Instant Term Life Insurance?

Have you been putting off buying life insurance?

Do you want to buy life insurance without the delays, hassles, and high-pressure sales pitch?

If so, now you may be able to qualify for Instant Term Life Insurance online in just minutes, from an "A+" rated life insurer.

It's quick, easy and affordable. There's no mailing delays, no physical exam, no blood tests, and no need to meet with an agent.

Just decide how many years you need coverage, and answer a few simple health questions.

You can get Instant Quotes, Apply Online, and Start your life insurance policy today, if you qualify.

Click Here to Learn more about Instant Term Life Insurance

Can I Buy Life Insurance without Taking a Physical Exam?

Do you want life insurance protection for your family - but maybe you just would rather not take a physical exam?

Now, you have options, instead of going through a physical examination, blood and urine tests, in order to buy life insurance.

There are some highly-rated insurance companies that offer you up to $500,000 of term life insurance without any medical exams. It's quick and easy.

You just answer a few medical questions, and you find out within minutes if you qualify for coverage.

You may have the choice of life insurance for 10, 15, 20, or 30 year terms of coverage.

Also, make sure to compare quotes for monthly, and annual premiums. You may save some money paying annually, if you can afford that option.

And, you can use your credit card to pay for your life insurance. There's a 30 day money-back guarantee if you're not satisfied.

So take a few minutes now to find out if Term Life Insurance with No Medical Exam is right for you.

Reasons To Buy Term Life Insurance

Here are some good reasons for you to buy term life insurance:

1. Low Cost - It costs less than whole life insurance.

2. Flexibility - Offers coverage for 1-30 years.

3. Pure Protection - You pay only for the life insurance, no investment plan.

4. Quick and Easy - You can compare rates and plans online.

5. No Physical Exams - You may qualify online for term life insurance with no exam.

Attention Smokers: Save on Term Life Insurance

Do you smoke? Are you interested in buying life insurance?

Did you know smokers usually pay 2-3 times more for life insurance than non-smokers?

So, how can you save money on your life insurance?

Here's some tips: Find insurers that specialize in insuring smokers, compare rates from several insurers, and consider term life insurance.

To learn more read this article on Term Life Insurance for Smokers

Sign Up for Your Free Report - How to Buy No Exam Life Insurance

Are you shopping for life insurance online?

Too busy for a medical exam? Don't want the hassles of meeting with an agent? Hate the thought of a high-pressured sales-pitch?

Would you rather just find the life insurance you need, apply online, and begin your coverage today, if you qualify?

Did you know some top-rated insurers offer up to $500,000 of life insurance protection without any medical exam required?

If you want to learn more, Sign up for your Free Report on No Exam Life Insurance and get answers to your questions.

Why Review Your Life Insurance Each Year?

Why should you review your life insurance coverage each year?

Because your needs change. Here's just a few reasons to update your life insurance annually:

1. Your family grew - more kids require more life insurance protection.

2. You bought a larger home, with a larger mortgage.

3. You got a pay raise at work.

4. To compare rates and see if you can lower your life insurance premiums.

5. You quit smoking and want to get a better rate on your life insurance.

These are just a few of the reasons you may want to review your life insurance plan each year.

The main reason - to make sure your loved ones have the financial security and protection they need and deserve.

A Century of Quality for Life Insurance Companies

A.M. Best Company has been issuing financial strength ratings on life insurance companies since 1906.

Consumers have relied on these financial strength ratings for the past 100 years as a tool for selecting a life insurance company to purchase a policy from.

A.M. Best recognized the following life insurance companies for maintaining an A.M. Best Financial Strength Rating of "A" or better since 1907.

New York Life Insurance Company, MetLife, Northwestern Mutual Life Insurance, Company, and Prudential insurance Company of America.

Why Should You Compare Life Insurance Quotes Online?

If you're shopping for life insurance, here's some good reasons to compare life insurance quotes online before you buy a policy:

1. It's Quick and Easy

2. There's No Obligation to Buy

3. There's No Sales Pressure

4. It's Comvenient - compare quotes any time of day or night from the convenience of your home, or office.

5. Savings - By comparing prices from several top-rated insurers you may save up to 75%, which could be hindreds of dollars per year.

Compare Your Free Life Insurance Quotes Online

Life Insurance Video Explaining the Benefits of Term Life Insurance

Just click on the arrow below to listen to this helpful video by financial expert Dave Ramsey which explains how term life insurance works.

Get Your FREE Term Life Insurance Quotes Now

Life Insurance for A Long Life

Source: Maket Watch

How long will you live?

The good news is that Americans are living longer than ever before, with Americans' life expectancy hitting a record high of 78.1 years in 2006.

The bad news?

Those 50% of Americans who will live beyond life expectancy (it's 80.7 years for women, 75.4 years for men, and varies further based on ethnicity) need to make sure they have enough assets to support their lifestyle should they live a long life.

Read the entire article.

Get Your Free Term Life Insurance Quotes

Keeping Your Beneficiaries Up to Date on Your Life Insurance Policy

When you purchase your life insurance policy, you make a choice as to who will receive the benefits, or proceeds of your life insurance. That person is the beneficiary.

Although you choose a beneficiary when you buy the policy, you should review your choice every few years, as conditions change, and you may want to make a change, or add a beneficiary to your policy.

To learn more about beneficiaries, read this article on the beneficiary of a life insurance policy.

New Resource - Term Life Insurance Blog

Looking for life insurance?

Then try this New Resource - it's a life insurance blog dedicated to providing helpful information about term life insurance.

Visit the Term Life Insurance Blog now.

Get Your Free Life Insurance Quotes

Shopping for Low Cost Family Life Insurance

Are you shopping for life insurance to protect your family?

If so, make sure to consider a few things first:

1. How much can you afford to pay?

2. How much protection does your family need?

3. What type of life insurance will meet your needs?

4. How many years do you need protection?

5. What are the goals you are trying to accomplish with the life insurance?

Once you have considered these things, make sure to shop and compare life insurance plans from several companies before choosing a policy.

Why? Because rates may vary by up to 50% or more between insurance companies.

Read the entire article on Low Cost Family Life Insurance, to help you find coverage that meets your needs, and fits your budget.

Term Life Insurance vs. Permanent Life Insurance - Which One Is Right For You?

Are you shopping for life insurance? If so, you may be wondering "What type of life insurance is right for me?"

The two basic types of life insurance are Term Life and Whole Life (Permanent) Insurance.

Term life is basically for temporary needs, usually for 1-30 years.

Whole life provides lifetime protection, as long as you pay your premiums.

To learn more, read the entire article on Term Life Insurance vs. Permanent Life Insurance.

How to Buy Instant Coverage Term Life Insurance

If you've been looking on the internet for life insurance you may have noticed some options for instant coverage which are available.

If you're fairly healthy, you may be able to qualify online for coverage that you can start today.

That's right! The insurance industry has become so competitive that now you can purchase life insurance within minutes, if you qualify.

They ask you some health questions and give you an instant quote. If you qualify, you can use your credit card to begin your policy the same day.

To learn more, you can visit Instant Coverage Term Life Insurance and request a free quote.

Review of Top No Exam Life Insurance Plans

If you are currently considering the purchase of life insurance, and you don't want to take a physical exam, you do have choices.

In fact, did you know you may qualify for up to $500,000 of life insurance without taking a physical exam?

Now, there is a review of the top plans for no exam life insurance which may help you make the right choice.

Read the review now - before you make any decisions.

Term Life Insurance Guide

If you're interested in learning about life insurance, visit the term life insurance guide.

You'll learn what term life is, how it works, and see if it meets your needs.

And, after learning about term life insurance, you can request your free, instant term life insurance quotes online from top-rated insurers.

Protecting Your Mortgage with Term Insurance

If you're a new homeowner with a mortgage, you probably are considering mortgage insurance to pay off the mortgage loan in case you die.

Using term life insurance to protect your mortgage is one option you have.

Term life insurance may provide your beneficiary with the money needed to pay of your mortgage.

And, depending on the type of term insurance purchased, they may have funds left over to pay their living expenses.

Top 10 Life Insurance Tips

Are you looking for life insurance?

If so, you may want to review The Top 10 Life Insurance Tips before making a decision.

These tips will help you better understand your choices, save you time, and hopefully save you a lot of money, too.

Top 10 Life Insurance Tips:

1. Make sure you understand your goal for buying life insurance.

2. Find out how much life insurance you need.

3. Decide how long you need life insurance.

Visit Top 10 Life Insurance Tips to read the entire article.

After reading the article, come back here and compare free life insurance quotes from top-rated insurers offering you savings up to 75%.

Pan-American Life Achieves Ranking as No.1 Hispanic Business in Louisiana

Source: Business Wire

Pan-American Life Insurance Company has excelled for the third straight year ranking first among Hispanic companies in the state of Louisiana according to Hispanic Business 500, the magazine’s annual business directory.

In the June issue, the magazine ranked Pan-American Life as 23rd among all Hispanic businesses in the nation and second among the top 10 companies in the finance sector.

Get Your Free Life Insurance Quotes

How Much Life Insurance Do I Need?

Deciding how much life insurance to buy doesn't have to be difficult. In fact, it's easy if you know where to look.

Many experts recommend 7-10 times your annual income as the amount of life insurance to buy.

But, now you can find out the right amount in just minutes. How? By using a life insurance needs acalculator.

You just answer some questions and the calculator gives you an accurate estimate of the proper amount of life insurance you need.

Why not try it now? Visit the Life Insurance Calculator to find out how much life insurance you need.

Then, come back here and compare your Free Life Insurance Quotes online.

How To Sell My Life Insurance Policy

Here's a good article from Garden State Life Blog that explains viatical settlements and the sale of your existing life insurance policy.

As fears about the economy worsen and financial liquidity is becoming harder to come by for some, I have started to hear this question more and more lately. In a recent article I addressed the question, can I borrow against my life insurance policy? In this post I'll look at some of the options in regards to whether a life insurance policy can be sold.

There are companies that purchase life insurance policies. They are commonly referred to as life settlement companies. A life settlement company will usually pay the policyholder a flat amount for the insurance policy. In return the settlement company will begin making the premium payments and collect the death benefit when the insured dies.

New Bill Places Increased Restrictions On Senior Life Insurance

Source: NewarkAdvocate.com

New Ohio legislation should make it more difficult to profit off seniors' deaths.

On Wednesday, the governor signed legislation that puts greater restriction on stranger-originated life insurance, the practice in which investors persuade seniors or other individuals with a reduced life expectancy to buy life-insurance policies. The investor pays the premiums, then collects the proceeds when the person dies.

To read entire article click here

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Why Do I Need Life Insurance?

Do you need life insurance? You may if someone depends on you for financial support.

Many people buy life insurance to provide for their loved ones in case they die. The life insurance policy provides money to help your family continue their lifestyle, go to college, pay for living expenses, go on vacation, and provide funds for your spouse's retirement, among other things.

Life insurance gives you the peace of mind knowing you are providing for the future financial security of your loved ones.

Get Your FREE Life Insurance Quote Now

Learn About Low Cost Family Life Insurance

Do you have a family? Are you planning for their future?

If so, you may want to consider Low Cost Family Life Insurance.

Why? Because preparing for the financial security of your loved ones is one of the most important things you can do to help them reach their goals.

Learn how low cost family life insurance can help provide for your family, and fit your budget, today.

New Simple Issue Term Life Insurance Plan

HSBC, through Household Life Insurance Company, recently introduced a new Simplified Issue Term life insurance plan. It requires an easy seven question application form to be completed by the applicant online.

If approved, the qualified applicant can sign the necessary documents by electronic signature, pay by credit card or Electronic Funds Transfer, and print out the new policy within minutes.

Coverage is available for term lengths of 10, 15, 20, and 30 years in amounts ranging from $25,000 to $500,000 of coverage. The policies are also convertible to select permanent life insurance products offered by the company.

This new product through HSBC Household Life Insurance Company is the only Simple Issue Term life product currently available in amounts up to $500,000 of coverage.

Get Your FREE Life Insurance Quote Now

Friday the 13th - Are You Superstitious?

Well, are you?

If the date "Friday the 13th" scares you just a little, maybe it's time to take out that life insurance policy.

You never know what could happen.

In fact, if you qualify you may be able to protect your loved ones starting today.

It takes less than 15 minutes in most cases. Why put it off?

Where Can I Shop For Term Life Insurance Rates?

Looking for life insurance? Want to compare rates online?

Then we have the answer for you.

Now, you just fill out one form and get up to 12 term life insurance rate quotes from top-rated insurers instantly.

The quotes show you the type of life insurance policy, the price, and the financial rating of the insurance company.

It's quick and easy to compare rates, and there's no obligation.

Get a FREE Life Insurance Quote Now

What is 20 Year Term Life Insurance?

20 year term life insurance is temporary life insurance protection that provides coverage for a term, or period, of 20 years.

20 year level term life insurance provides life insurance coverage and premiums that remain the same each year for a period of 20 years.

No Exam Life Insurance for Seniors

SENIORS - Now you may be able to qualify for life insurance online in just minutes, without having to take any physical exam.

Coverage is avaialble for people ages 78 and under. No need to meet with an agent. No medical exam. No delays.

Find out if you qualify for Senior No Exam Life Insurance right now.

What is the Cheapest Life Insurance?

Are you searching for the cheapest life insurance?

If so, you may want to consider Term Life Insurance.

Why term life? Because, it's usually the cheapest coverage available.

Why is term life cheap? Because it provides you with temporary life insurance for a specific number of years, usually 1-30 years. And, because there is no cash value that builds up in the policy like in whole life insurance.

You pay only for the life insurance. Term life insurance offers the maximum amount of coverage at the lowest prices for most people, especially young families, and people on a budget.

Compare free term life insurance quotes online for savings up to 75%.

Check Out MetLife's Animated Short Film Explaining Insurance for Consumers

Source: Business Wire

NEW YORK--(BUSINESS WIRE)--June 5, 2008--MetLife, the nation’s largest life insurer and leading provider of employee benefits, continued its 140-year tradition of providing education to consumers when it released a new animated short film entitled "Everybody into the Pool." The film, which features Snoopy®, aims to demystify how insurance works by explaining in layperson’s terms the powerful and efficient financial principle that makes insurance possible and within reach: risk pooling.

To read entire article click here

Or, you can shop and compare free life insurance quotes online from top-rated insurance companies offering you savings up to 75%.

Dental Fillings Dangerous to Pregnant Women and Children?

Source: NaturalNews.com

Do you have dental fillings? If so, did you know they may contain as much as 50% mercury?

Pregnant women and children may be at risk for health problems as a result of these fillings.

RBC Express Term - Quick, Easy & Affordable

RBC Express Term offers you quick, easy and affordable term life insurance for your family starting today.

You may qualify for up to $150,000 of term life insurance protection in 10 minutes or less.

There's no medical exam. No need to meet with an agent. And, there's a 31 day money-back guarantee.

Learn more about RBC Express Term now.

Life Insurance for Newlyweds

Are you just married? If so, it's never too soon to consider life insurance for you and your spouse.

Life insurance can help provide the money your spouse needs to pay off your mortgage, your credit cards, your student loans, or any other necessities of life, if you were to pass away.

Now that you have someone who relies on you for love and support, don't you owe it to that person to protect their future?

Start today by comparing plans and prices for life insurance and find out how affordable protecting your loved one can be.

Learn how term life insurance can protect your loved one at a price that meets any budget.

Compare Free Life Insurance Quotes

Now it's quick and easy to compare free life insurance quotes online.

Just fill out one form, press submit, and instantly receive up to 12 of the lowest quotes for life insurance from top-rated companies.

Each quote shows you the type of policy, price, and financial strength rating of the insurer.

There's no obligation, and no delay.

Get your Free Life Insurance Quotes online now offering you savings up to 75%.

What is Supplemental Life Insurance?

Supplemental life insurance offers you the opportunity to add to your existing life insurance coverage.

Whether you have life insurance through your employer, or an existing life insurance policy that no longer meets all of your needs - supplemental life insurance may be able to help.

Learn about supplemental life insurance.

What are the Benefits of Term Life Insurance?

If you're considering the purchase of life insurance, you may want to learn about term life insurance.

Term life offers several benefits, including the lowest prices when compared to permanent life insurance.

That means more coverage for your family, at a price that fits your budget.

Learn more about the Benefits of Term Life Insurance now.

Level Term Insurance - What is It?

Level term insurance is probably the most popular type of term life insurance purchased today.

Past studies show that up to 97% of term life policies purchased were Level Term.

Find out why this may be the type of life insurance protection for you and your loved ones.

How to Get Quick and Easy Life Insurance

If you're shopping for life insurance online you may be some what frustrated - with so many choices, and which one will fill your needs?

Did you know, you can now buy life insurance online, from Top-rated insurers? Yes, if you qualify, you may be able to get up to $500,000 of affordable term life insurance for 10, 15, 20, or 30 years of coverage.

Find out how you can Apply for Term Life Insurance Online in just minutes. And, there's no medical exam required.

It's Quick and Easy. No Hassles and No need to meet with an agent.

How to Compare Life Insurance Rates Online

How can you compare life insurance rates online? It's quick and easy. And, there's no obligation.

Here's some tips for you to compare rates:

1. Find a quality life insurance quote service online.

2. Fill out their quote request form - it usually takes about 1-2 minutes.

3. Instantly receive up to 12 (or more) quotes for life insurance from top-rated insurers.

4. Compare the quotes and financial strength ratings shown on your quote.

5. Ask for quotes with monthly, quarterly, semi-annual, and annual premium payment options. There may be some savings on an annual payment basis.

When reviewing the financial strength rating try to choose an insurer rated "A" Excellent, or better by A.M. Best Company. This should indicate the insurer is financially secure and able to pay their claims.

If you're ready, Let's compare Free Term life Insurance Quotes online now.

By comparing quotes from several insurance companies you may save up to 75%, which could mean hundreds of dollars per year in your pocket, instead of being paid to the life insurance company.

Genetic Testing and Life Insurance

New legislation was just passed last week prohibiting anti-discrimination for genetic testing results to be used in health insurance and employment.

But how does it effect your ability to get life insurance?

Read this article now to find out how Genetic Testing Effects Life Insurance.

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