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.
What are the top rated life insurance companies?
When it comes to comparing the highest-rated insurers for life insurance, there are several factors to consider, including the total assets, financial strength rating, number of policyholders, customer service, number of complaints, and length of time in business, etc.
There are several independent rating agencies that issue financial strength ratings of insurers, including A.M. Best Company and Moody's.
Some of the leading life insurers include MetLife, Northwestern Mutual and Prudential, among others.
Yes, there are life insurance plans available fo people over sixty years old.
However, you can't buy life insurance on anyone.
In order to purchase a life insurance policy on someone else you need an Insurable Interest in the person you wish to insure.
Insurable interest basically means you stand to lose financially if the person were to die, or that you rely on the person for some means of financial support.
In addition, in order to buy life insurance on someone else, the insurer may require that the person give permission, or sign the application for life insurance.
Continue reading "Can You Buy Life Insurance on Anyone over 60?"
Do you live in New York and need funeral insurance coverage?
If so, you may have several options to choose from to get insured for funeral expenses.
Today, residents of the state ion New York can buy guaranteed issue final expenses coverage without any health exam required, and without having to answer any questions about their health.
In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval funeral life insurance coverage from an "A+" rated life insurance company.
That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for final expenses insurance.
Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.
Usually, you would need to take a life insurance health exam for any of the following reasons:
Over Age 30
Over $50,000 of Life Insurance
Use Tobacco
Have a Pre-Existing Health Condition
Declined by Other Life Insurers
Use Prescription Medication
History of Drug or Alcohol Abuse
Poor Driving Record – DUI’s
Keep in mind, taking a health exam may help you qualify for a more affordable insurance policy compared to no exam plans that may charge higher rates because they may end up insuring some applicants who might not otherwise qualify for coverage if they had to take a physical.
Continue reading "Is a Physical Required for Term Life Insurance?"
Are there life insurance policies offering $10,000 of coverage for seniors with no medical exam required?
Yes. These are referred to as "Guaranteed Issue" life insurance plans and they offer guaranteed approval for anyone who meets the age requirement.
For example, one highly-rated insurer offers guaranteed coverage for people ages 45 to 85.
These plans may offer up to $25,000 of coverage.
There's no health exam required and you won't have to answer any questions about your health.
You cannot be turned down for coverage if you meet the age requirement and can pay the premium required.
Continue reading "$10,000 No Medical Exam Senior Life Insurance"
Yes, you may own two life insurance policies.
Or, you may be the insured person of two life insurance policies.
Life insurance companies do not limit the number of life insurance policies, but rather the total amount of life insurance coverage owned by any one person.
It is understandable that you may need more than one life insurance policy throughout your life.
As you take on more financial responsibility, you may wish to purchase additional life insurance protection.
Is there no exam term life insurance available for senior citizens?
Yes, in fact, one highly rated life insurance carrier offers a way for seniors to apply online for their term life insurance coverage in about 10 minutes.
There's no physical examination required, just a few simple health questions asked.
Seniors can choose up to $50,000 of term life insurance without taking a doctor exam.
You can request your free, instant life insurance quote online now.
Continue reading "Senior Citizen New Exam Term Life Insurance"
The maximum amount of life insurance available through Colonial Penn depends on the type of life insurance plan.
I believe Colonial Penn offers of maximum amount of life insurance on the following types of policies:
1. Renewable Term Life Insurance - $50,000
2. Permanent Whole Life Insurance - $50,000
3. Guaranteed Acceptance Life Insurance - $25,000
However, the maximum amount of life insurance coverage available through Colonial Penn may depend on your age, your health and your budget.
Continue reading "What is the Highest level of Colonial Penn Life Insurance?"
Do you live in New York and need final expense insurance coverage?
If so, you may have several options to choose from to get insured for final expenses.
Today, residents of the state ion New York can buy guaranteed issue final expenses coverage without any health exam required, and without having to answer any questions about their health.
In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval final life insurance coverage from an "A+" rated life insurance company.
That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for final expenses insurance.
Can I purchase a Globe Life insurance policy online?
Yes, if you qualify for coverage you may purchase a policy online from Globe Life.
Globe Life offers online applications for coverage. If you're between age 18 to 70 you may purchase coverage direct online.
You can choose up to $100,000 of life insurance protection for adults and up to $20,000 of life insurance for your children.
There's no health exam required, just a few simple health questions asked.
You can request a free quote and apply online for your life insurance policy in about 10 minutes.
Disclosure: Compensated Affiliate