Affordable Life Insurance Protection for Your Family
Learn How to Buy Life Insurance
Are you interested in buying life insurance?
If so, you are on the right path to protecting the financial future of your family.
Can you buy a life insurance policy?
That depends on several factors life insurance companies consider when you apply for coverage. Among the main factors affecting your acceptance for life insurance are your age, gender, occupation, hobbies, health, family health history, height-to-weight ratio, and whether you smoke or not.
When considering life insurance there are several important things to consider:
If you’re like many of us you want to find quality life insurance at affordable rates.
What is the lowest cost life insurance to buy?
Term life insurance offers you the most life insurance at the lowest price. So you can afford more protection for your family.
And, term life can provide guaranteed level rates and coverage for up to 30 years.
How can you buy life insurance online and save money?
To purchase life insurance on the internet you can request free life insurance quotes and request an application for coverage.
By shopping online and comparing free quotes you may save up to 73% on your life insurance policy. When you compare quotes online you get instant comparisons of the lowest rates from top-rated life insurers, and there’s no obligation to buy.
Can you buy life insurance with no medical exam?
Yes, there are now several insurers offering life insurance with no medical exam required.
Who can you buy life insurance on?
You can buy life insurance on yourself, or you can buy life insurance on another person if there exists Insurable Interest between you and the other person.
For example, Insurable Interest exists between spouses, parents and children, and siblings. If you rely on someone else for financial support, there also exists insurable interest.
Can I buy life insurance for my parents?
Yes, you can buy life insurance on your parents since you may be the one paying for your parents’ burial, funeral, and other final expenses. Many consumers choose to purchase United of Omaha life insurance for their parents.
United of Omaha offers up to $25,000 of guaranteed acceptance life insurance for people age 45 to 85. There's no medical exam and no health questions asked.
Can you buy life insurance if you have diabetes?
Yes, depending on your health, medication, type of diabetes, and how you manage your diabetes, you may qualify for life insurance.
Here’s an article that fully explains life insurance for diabetes.
Can you buy life insurance if you have cancer?
If you currently have cancer you may find it difficult to locate a life insurance company willing to insure you.
However, if you are a cancer survivor you may be able to qualify for coverage. Here’s an article that explains cancer life insurance.
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.
Highly Recommended – Haven Life Insurance Agency
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Highly Recommended – Globe Life Insurance
Get FREE Information on how $1* Can Buy Up To $100,000 Globe Life Insurance for Adults or Children
Guaranteed Issue Life Insurance – If you have health issues, or you have been turned down for life insurance, people ages 45 to 85 may purchase life insurance with guaranteed approval with no medical exam or health questions asked.