Affordable Life Insurance Protection for Your Family
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If you are over age 30 or buying $50,000 or more of life insurance, you may be required to take a physical exam.
However, the requirements for a physical when buying life insurance may vary by insurance company.
But, some insurers offer no exam term life insurance policies for healthy individuals between the ages of 18 to 60.
In fact, one highly-rated life insurance company offers up to $2,000,000 of term life insurance with no physical, to qualified applicants.
You can purchase a life insurance policy online from Globe Life by visiting their website.
Globe Life has their own website online that offers you an option to get a free life insurance quote immediately to find out how much your life insurance may cost through Globe Life.
In addition, you may choose to apply online for your Globe Life insurance policy.
It only takes about 10 minutes to complete the online application - safe and secure.
You may even purchase Globe Life insurance on your spouse and children, too.
If you have an adult child and want to purchase a life insurance policy on that child, you can begin by visiting a life insurance website and requesting a free life insurance quote, using the information of your child - his or her age, gender, tobacco use, health, etc.
Requesting a free quote only takes a minute.
Then, you can choose from the quotes offered to decide which life insurance plan and insurance company is best for your child's coverage.
Next, you apply for the life insurance policy, either online or by phone.
One life insurance carrier (Globe Life) allows you to apply completely online for your child's life insurance policy in about 10 minutes.
And, your child will not have to take a health examination.
Yes. There are life insurance plans available for older people, whether they are in good health or have health issues.
The elderly may qualify for permanent life insurance which provides lifetime protection, or term life insurance which provides life insurance for a specific number of years.
In addition, there are Guaranteed Issue life insurance policies available for people between the ages of 45 to 85 years old.
Guaranteed issue policies offer guaranteed approval for anyone who meets the age requirements.
Yes. There are plans for life insurance that offer $3,000 of life insurance protection.
United of Omaha offers $3,000 of guaranteed acceptance whole life insurance coverage.
In order to qualify you need to be between the ages of 45-85.
Coverage is guaranteed with no health questions asked and no health exams required.
You may choose from $3,000 up to $25,000 of life insurance.
Is it possible to buy $25,000 of life insurance coverage without having tot answer any questions about your health?
Yes. United of Omaha offers up to $25,000 of Guaranteed-Issue life insurance with no health questions asked and no health exams required.
If you are between the age of 45 to 85 years old, you are guaranteed approval, even if you have health issues.
Can I buy life insurance for my parents if they have health issues?
Yes. There are life insurance plans that offer Guaranteed Approval for anyone who meets the age requirement.
Since you are an adult child, you have Insurable Interest in your parents, and that means you may purchase life insurance on them.
Some insurers offer guaranteed issue life insurance for people between the age if 45 to 85 years old.
These guaranteed issue policies do not require any health exam, and your parents won't have to answer any questions about their health.
A term life insurance policy does not pay out a death benefit if the insured person dies after the policy term has expired.
The coverage would end and there would be no more life insurance provided by the policy after the expiration date on the term insurance policy.
Can sick elderly people get life insurance coverage?
Yes. There are life insurance policies available called "Guaranteed Issue" life insurance that guarantees your approval for coverage even if you have health problems.
As long as you meet the age requirements for approval, you can get insured.
Some plans offer guaranteed acceptance for people between the ages of 45 to 85 years old.
With guaranteed approval plans you will not have to take any health exam, and there are no health questions for you to answer.
However, the maximum amount of life insurance available may be limited to around $25,000 (or less) from any one insurance company.
Can I get life insurance quotes for term insurance online?
Yes. Actually, most life insurance websites offer you the option to request free quotes for term life insurance coverage.
You can compare pricing on term insurance by visiting a life insurance website, filling out the questions asked on the quote request form, and clicking on the button to instantly see the lowest pricing available from a network of leading life insurance carriers.
It's quick and easy - it takes less than one minute to fill out a quote request form and receive your free quotes for term insurance.