Affordable Life Insurance Protection for Your Family
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.
Do you need $5,000 of life insurance?
Today, it's quicker and easier than ever before to get $5,000 of whole life insurance protection.
This type of policy is best suited for people with health issues, cancer, COPD, HIV or AIDS, kidney failure, over age 60, or those who have had or need an organ transplant, or have been turned down for life insurance.
In addition, many people purchase a $5,000 whole life policy to provide funds needed to pay for their final expenses, including the cost of a funeral and burial.
It can be difficult to find life insurance with any of the health problems mentioned above, but there are insurance carriers that offer guaranteed issue life insurance policies.
Can a parent buy life insurance for his/her child?
Yes, parents have an Insurable Interest in their children, which is required in order for a person to buy life insurance on someone else.
Many parents buy life insurance on their children for a number of different reasons, including to provide money to pay for the child's funeral and burial, to build cash value inside the policy for the child's future, and to guarantee the child life insurance protection as an adult, to lock-in low rates on life insurance for the child, among other reasons.
If you're shopping for life insurance you may be considering no physical exam life insurance coverage.
It's a way to get insured quick and easy without the hassles and delays of having to take a physical examination.
But, how much coverage can you get without any exams?
It depends on the insurance company.
However, one highly-rated life insurer offers up to $2,000,000 of life insurance with no health exam for qualified applicants between the ages of 20 to 60.
Keep in mind, you need to be healthy to qualify, and you will have to answer some health questions to find out if you qualify to buy a policy without having to take an exam.
If you haven't planned for your final expenses yet you may be looking to purchase funeral insurance coverage.
But, where can you buy a funeral insurance plan?
Today, there are several insurance companies that now offer funeral expense insurance policies you can get on the internet.
Some of the leading providers of funeral plans include United of Omaha, Colonial Penn and Met life, among others - and they all offer free quotes you can request online to find out how much your funeral insurance will cost.
These plans are usually guaranteed issue, which means you cannot be turned down if you meet the age requirements for approval.
Is it possible for people with cancer to get a death benefit insurance policy?
Yes. There are Guaranteed Issue life insurance policies available for anyone who meets the age requirement for acceptance.
These plans do not require any health exam, and you won't have to answer any questions about your health.
You may choose up to $25,000 of life insurance protection.
Even if you have already been denied coverage by other insurers, you can still get insured with a guaranteed life insurance plan.
However, these policies have limited death benefits the first two years you are insured.
That's how they can guarantee your acceptance regardless of your health.
Can I get life insurance after being diagnosed with cancer?
Yes, you may still be able to get insured for life insurance after a cancer diagnosis.
It may depend on the insurer requirements for approval, as well as, the type of cancer, your age, your overall health, how long ago you were diagnosed, your prognosis, the medicine you take, if you are on chemo, and how you are managing your cancer, among other things.
Also, there are guaranteed issue life insurance plans available for people ages 45 to 85 with no health exam required, no health questions asked, and you cannot be turned down if you meet the age requirements.
However, these plans have graded (limited) death benefits the first two years you are insured.
Do you want to purchase a death insurance plan?
If so, there are several options of coverage to choose from, including term life insurance, permanent life insurance, and final expense life insurance plans that will pay out a death benefit to your beneficiary upon your passing.
Many people choose to buy a small life insurance policy to cover the cost of their final expenses, if they don't have the money saved to pay for their end of life expenses, including the cost of a funeral and burial.
Yes, you can apply for a Globe Life insurance policy over the internet.
With Globe Life you can request a free quote and apply online for your policy in about 10 minutes or less.
There's no health exam, just a few simple health questions asked.
Globe Life offers a safe, secure online application process and qualified applicants can get insured without the hassles and delays of a physical examination.
Adults may choose up to $100,000 of life insurance protection. Globe life offers coverage for children, adults and senior citizens.
Is there term life insurance I can buy with no waiting period?
Yes, there are no waiting term life policies available for qualified applicants.
You can apply online for a term life insurance policy with no health exam required.
And, if you qualify for coverage, your life insurance protection can begin the very same day you apply.
Several leading life insurance carriers now offer quick issue, no waiting term life plans online.
The pricing and amount of coverage available will vary by insurer.
Can I buy term life insurance for my spouse online?
Yes, if you are married you have an Insurable Interest in your spouse, which means you may purchase life insurance on your spouse.
Term life is temporary coverage offering you life insurance protection for a "term" of 10, 15, 20, 25 or 30 years.
The longer the policy term, the higher the annual cost of life insurance.
Several life insurance carriers now offer the option to apply online and start the life insurance coverage in just days, if your spouse qualifies for coverage.