Saturday, October 31, 2009

How to Get Life Insurance without any Physical Exam

How can I get life insurance without having to take any medical exams?

You may have a few options available to you when it comes to the purchase of no exam life insurance.

In fact, many life insurance do not require any medical exam unless you are requesting $100,000 or more of life insurance.

However, this depends on your age and health.

In addition, there are several life insurers now willing to offer no exam life insurance plans of $25,000 up to $500,000 of coverage.

The amount available may depend on your age, health, if you smoke, family health history, occupation, hobbies, etc.

Some insurers like Globe life offer up to $30,000 of simplified life insurance without an exam, whereas, RBC insurance offers up to $250,000 of term life insurance with no medical, just a few health questions.

Learn more about life insurance no medical exam plans and how they compare.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Friday, October 30, 2009

Life Insurance and Oxycontin

I have to take a drug test for a life insurance policy. Will they test for Oxycontin?

They may not specifically test you for Oxycontin but it will probably test for opiates.

However, depending on how often and how much you took... it may stay in your system anywhere from 3-7 days, or longer.

In addition, there are life insurance plans that offer no medical exam required, just a few health questions. Term life insurance no exam required offers up to $500,000 of coverage without any physical exam, blood or urine testing.

However, always make sure you answer all questions on the application truthfully, so there are no problems paying out any claims. Life insurance carriers may contest a payout on a claim if you lied on the application about your health, drug use, etc. which led to your death.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Age Limitation for Life Insurance?

What is the age limitation for life insurance?

There's no legal limitation for buying life insurance.

It is up to the life insurance company offering the coverage.

Some life insurers will offer coverage to people over age 80, others will limit it to people under age 78.

The older you are when you purchase your life insurance policy the higher your premiums will be due to a shorter life expectancy.

Here's an article that explains Over 70 life Insurance and some options that may be available to you for life insurance protection.

In addition, some life insurance plans for older people may be graded death benefit plans, meaning you have to own the life insurance policy for at least 1-2 years before full coverage is "In Force".

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Thursday, October 29, 2009

How Much Burial Insurance Can You Buy?

How much burial insurance can you purchase for one person?

Burial Insurance plans are usually available offering coverage up to $25,000 per policy.

Some insurers may offer up to $30,000-$50,000 of burial insurance depending on your health and age.

However, you may be able to purchase burial insurance plans from more than one insurance company.

Some leading providers of burial insurance policies include Stonebridge Life Insurance, Mutual of Omaha, and Globe life and Accident Insurance Company.

Usually a life insurance application will ask you if you have any other life insurance, how much, and how many policies.

As long as you answer the questions truthfully, you may find you are able to buy more than one burial insurance plan.

In addition, you may be able to qualify for life insurance coverage with higher limits than those offered by a burial insurance policy.

You can compare free life insurance quotes on the internet to find out how affordable life insurance may be as compared to a burial insurance plan.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Wednesday, October 28, 2009

How to Get Affordable Term Life Insurance

Where can I get information on finding affordable term life insurance?

On the internet there are many websites that provide helpful information and tips that can assist you in finding affordable term life insurance protection.

Term life insurance is temporary life insurance for 1-30 years. It builds no cash value inside the policy. If you outlive the policy term your coverage expires.

Ways to save money on your term life insurance policy include

1. Buy coverage now as rates increase with age.

2. Compare plans from several insurers as rates vary between companies.

3. Don't buy more life insurance than you can afford.

4. Pay premiums annually, as this may save you some money.

5. Consider level term as opposed to decreasing term insurance, as level term may provide more affordable coverage for the amount of life insurance you get.

Here's how to find more affordable term life insurance information and quotes online.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Tuesday, October 27, 2009

Mortgage Life Insurance with No Physical Exam?

Can I buy mortgage insurance without taking any physical exam?

Yes, there are life insurance plans available that offer you the option of buying coverage without any physical exams required.

In fact, many mortgage insurance policies do not require you to take a medical exam.

We all want to protect our family and make sure they can remain in the home we shared with them, if anything should happen.

That's where mortgage insurance comes in - it can provide the money your family needs, when they need it most, to pay off the mortgage and make sure they have a roof over their heads.

Today, you may qualify for up to $500,000 of mortgage insurance no physical exam required, just a few health questions.

Find out if you qualify for coverage today, and start protecting your loved ones - they deserve it, and you deserve the peace of mind.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Monday, October 26, 2009

Is Supplemental Life Insurance Right for You?

What is supplemental life insurance and how does it work?

Supplemental life insurance is a life insurance policy providing some additional life insurance death benefits to supplement the existing coverage you already own.

You may want to buy additional life insurance coverage at some point in the future, and supplemental life provides small policies usually with coverage up to $25,000 or so.

One of the benefits of supplemental life insurance is that they usually offer simplified applications with no medical exam required.

Many consumers may purchase some supplemental life insurance to help pay for their final expenses, such as, burial or funeral costs.

Several life insurance offers small life insurance plans to provide supplemental coverage, such as, Stonebridge Life, Mutual of Omaha, and Globe life and Accidental Insurance Company.

Here's how you can learn more about Supplemental Life Insurance and request a free quote today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Sunday, October 25, 2009

20 Year Term Life Insurance with No Medical Exam?

Can I get 20 year term life insurance coverage without any medical exam required?

There are life insurance carriers now offering consumers 10, 15, 20, or even 30 year term life insurance with no medical exams required.

However, there are a few health questions to answer. Your answers will help to determine if you qualify for the coverage.

In addition, depending on the company you may be able to qualify for anywhere from $25,000 up to $500,000 of term life protection without a physical.

However, you should be aware that the prices for no exam life insurance are usually higher than you would pay for life insurance that requires a medical exam and full underwriting.

However, the advantages of no exam plans may include the chance for you to start your life insurance coverage today. As well as, no physical exam, no blood or urine tests, and no long mailing delays.

In fact, you can even get a quote online, apply for coverage, and find out (usually within minutes) if you qualify for the life insurance coverage.

Here's how you can learn more and request your free quote for 20 year term life insurance with no medical exam.

20 year term life can provide you with guaranteed level premiums and coverage for the entire 20 year term of your life insurance policy.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Saturday, October 24, 2009

Life insurance No Exam Question?

How old can you be and qualify for no exam life insurance coverage?

There are several different plans available for no exam life insurance which offer different amounts of life insurance depending on your age.

Some life insurance plans offer term coverage up to $500,000 and other plans offer up to $30,000 of life insurance with no exam.

The age limitations will vary by insurance company. Some carriers offer no exam life insurance for people age 78 and under and others may limit coverage for people age 60 and under.

In addition, there are some health questions you need to answer in order to determine if you qualify for no exam life insurance coverage.

Here's a review of life insurance no medical exam coverage and companies available.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Friday, October 23, 2009

Life Insurance Nicotine Test Results

I just received my medical exam results from a life insurance policy exam, and my nicotine levels came back .38 mcg/ml - is there any way I can challenge this, or should I be pissed I have a tobacco rating when I'm not a smoker?

Or will I just have to deal with higher rates for my life insurance the next three years?

Well, do you have any idea why your nicotine levels are that high if you don;t smoke?

Do you live with a heavy smoker, or someone who smokes at all?

Do you chew any form of tobacco?

Were you hanging out in a smokey bar the night before your life insurance medical exam?

There's not really a way to challenge the results of your nicotine test, except to pay to have it tested again, to see if the test results were off.

This is one situation where life insurance no medical exam may have resulted in a better rate possibly.

Although no exam rates are usually higher than non-medical rates, since you are a non-smoker you may have been offered better quotes for term life insurance with no exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Thursday, October 22, 2009

Life Insurance No Medical Exam - Pros and Cons

What are the pros and cons of life insurance with no medical exam required?

There are several advantages to purchasing life insurance with no exam required, including

1. Up to $500,000 of life insurance with no physical, just a few health questions.

2. Instant approval if you qualify.

3. Same day coverage once approved.

4. No need to meet with an agent.

5. No delays or hassles.

However, there are some drawbacks to buying no exam life insurance, including:

1. The amount of coverage available may be limited to $500,000 or less.

2. The rate you pay may be higher than rates for life insurance that does require a medical exam.

Why do people choose no exam life insurance?

Some consumers don't want to wait 6-8 weeks to get their life insurance policy.

Others just don't like high-pressure insurance agents.

Or, maybe you just want life insurance today, or don't like needles or medical exams.

Whatever your reason, no exam life insurance offers you the opportunity to qualify for up to $500,000 of term life insurance with no exam required, just a few health questions.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Wednesday, October 21, 2009

Life Insurance That Pays If You Live or Die?

What is a life insurance policy called that pays whether the policyholder lives or dies?

This type of life insurance is referred to as return of premium life insurance.

Return premium term life insurance provides temporary life insurance coverage for 10, 15, 20, or 30 years.

The premiums are much higher than for regular term life insurance. If you outlive the term of your life insurance policy you receive most of your premiums back, less any expenses.

Level term life insurance is generally the most popular type of term life insurance, offering the lowest rates, and guaranteed level coverage amounts and premiums for up to 30 years.

You can learn more about return premium coverage by reading this article explaining Return Premium Term life Insurance.

Or, you can request your free term life insurance quotes online from several highly-rated life insurance companies, with no obligation.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Tuesday, October 20, 2009

Burial Insurance No Medical Exam?

Can I buy burial insurance without any medical exam?

There are life insurance companies which offer burial insurance plans without requiring you to take a medical exam.

Whether you qualify may depend on your age and health.

Usually, burial insurance plans offer up to $25,000 of life insurance coverage that is paid out to your beneficiary free from federal income tax (usually) upon your death.

A past study from the National Funeral Director's Association indicated the average burial and funeral costs may be around $6,700. In addition, you may have outstanding debt, and other expenses which you may want to provide money to pay off if you should die.

Some of the leading providers of burial insurance coverage include Mutual of Omaha, Stonebridge Life, and Globe Life and Accident Insurance Company.

Globe Life Insurance offers up to $30,000 of simplified life insurance no medical exam required for people age 78 and under.

You can get a quote and apply online in minutes. In fact, you and your spouse (if you're married) can find out how much your coverage will cost in just a few minutes.

Learn more about burial insurance no medical exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Monday, October 19, 2009

Do Life Insurance Applications Screen for Pot?

Do life insurance applications screen for pot, or just hard drugs?

The answer depends on the life insurance company.

However, most life insurance carriers will have applicants tested for marijuana, cocaine, and other illegal drugs which may include methamphetamine, heroine, etc.

Although, medical marijuana is legal in some jurisdictions, and the life insurance company may take this into consideration and possibly accept someone who tests positive for pot.

In addition, some life insurance companies offer term life insurance with no exam required, just a few health questions.

However, make sure you answer all questions truthfully so any claim made will not be contested if you should pass away from an undisclosed medical condition.

here's an article that explains the term life insurance drug tests and provides more information.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Sunday, October 18, 2009

How Much Life Insurance Do You Need?

How do you decide ow much life insurance you need?

One of the most important parts of purchasing life insurance is deciding how much coverage to purchase. After all, you want to make sure your family has the coverage they need to be financially secure if you should pass away.

One way insurance agents decide how much coverage you need is to recommend you buy 7-10 times your annual income. This has been used for a number of years as an estimate of your life insurance needs. The only problem is that it doesn't really take into account your personal situation, your current savings, number of dependents, and how old they are.

However, now there is a life insurance needs estimator you can use online that asks you some basic questions about your personal situation and gives you an instant, accurate estimate of your life insurance needs based on your current financial condition and future financial needs for your family.

You can use this term life insurance calculator to quickly and easily determine how much life insurance you need before comparing your free life insurance quotes.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Saturday, October 17, 2009

Life Insurance for Stay at Home Parent?

How Much life Insurance do you need for a stay at home parent?

Many families consider the purchase of life insurance for a stay at home parent.

Why? Just consider everything the stay at home parent does in your family? Consider all the errands run, the cooking, cleaning, watching the children, paying bills, taking care of all of the household business and activities on a daily basis.

Now consider paying someone to do all of these jobs if your spouse who stays at home is no longer there to do them.

When considering the right amount of life insurance for your a stay at home spouse, consider the following: The cost of final expenses, cost to pay someone to handle everything your stay at home parent does for the family.

One way to find out how much life insurance is needed is to use a term life insurance calculator.

You answer some basic questions and instantly receive an accurate estimate of your life insurance needs.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Friday, October 16, 2009

Quotes for No Exam Life Insurance

Can I get life insurance quotes online with no medical exam required?

Yes, you have the choice of getting regular life insurance quotes online, which may or may not require you to take a medical exam to qualify...

Or, you can choose to request life insurance quotes with no medical exams required.

However, no exam life insurance quotes usually require that you answer a few health questions. This is how the life insurer determines if you would qualify for coverage.

When shopping for no exam life insurance you should consider the following:

  • Rates may vary between life insurers.

  • The amount of life insurance coverage available may be limited to $500,000 or less.

  • Not everyone qualifies.

  • Premiums may be higher than charged for life insurance requiring a medical exam.


Always review the financial strength rating of the life insurance company, and find out how many years your rate and coverage amount are guaranteed to remain the same.

Please read this article reviewing life insurance no medical exam plans and companies to learn more before choosing the plan that's right for you.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Thursday, October 15, 2009

Best Quotes for Term Life Insurance?

How can I get the best term life insurance quotes?

One way to find the most competitive quotes for your term life insurance policy is to visit a local life insurance agent and request free quotes.

Or, you could call some life insurance companies direct and request free quotes.

However, one way which is quicker and easier is to visit a life insurance quote provider on the internet.

Why? Because a life insurance quote website has access to up to 70 or more life insurance companies.

How does it work? You fill out one form and receive instant term life quotes from multiple life insurers.

There's no obligation, no need to meet with an agent, and no delays.

You can compare instant side-by-side life insurance quotes in minutes. Your quotes will provide you with the company names, type and amounts of life insurance offered, financial ratings of the insurers, and the premiums quoted.

If you have questions, there is a toll-free number available to learn more about your quotes.

By comparing quotes for term life from several insurers you may save hundreds of dollars per year on your policy.

Request your free, instant term life insurance quotes from over 70 top-rated life insurers offering you savings up to 50% or more.

Learn more about how you can get the best quotes term life insurance online.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Wednesday, October 14, 2009

Globe Childrens Life Insurance with No Exam

Are you looking for life insurance for your kids?

If so, Globe Childrens Life Insurance may be just the plan for your children.

Globe Life was established in 1951 and insures millions of Americans across our country.

With Globe Life you can start your child's life insurance plan for just $1*.

Globe Life offers you up to $30,000 of life insurance protection for your children.

Child life insurance through Globe Life provides guaranteed protection and the option for your child to increase the amount of life insurance when they become an adult.

In addition, Globe Life is rated "A+" Superior by A.M. best Company for financial strength.

Here are some of the benefits of Globe Childrens Life insurance:

$1* for the first month starts your child's policy today

Up to $30,000 of coverage

Create a financial foundation for your child's future

Qualify for Life Insurance in their adulthood

No Risk - 30 Day Money-back Guarantee

Give your child or grandchild a head start towards financial security - Get a Globe Young American Plan!

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Tuesday, October 13, 2009

No Exam Life Insurance - The Basics

Here's some info about no exam life insurance plans for your review:

No exam life insurance is a type of policy that does not require you to take a medical exam. In addition, there are no blood or urine tests necessary to qualify.

However, there are some health questions to answer on the application. Always answer all questions truthfully so any claims will not be denied based on misleading statements made on your application for life insurance.

Usually, no exam life insurance plans are offered for $25,000 up to $500,000 of coverage. Most plans come with a "Free Look period" of 10-30 days depending on the state you live in, and the insurer.

Among the leading insurers offering no exam life insurance plans are HSBC, RBC Insurance, Garden State Life, Stonebridge Life, Gerber Life, and Globe Life & Accident Insurance Company.

These plans may be available for children, adults and seniors, depending on your age and health.

Make sure you understand all exclusions and limitations before choosing a plan.

Also, review the financial rating of the insurance companies (usually provided with your quotes) in order to understand the financial stability of the carriers.

Many no exam life insurance plans offer term life insurance coverage for a term of 10, 15, 20, or 30 years of protection. Make sure you understand how long your premiums are guaranteed to remain level (the same).

Learn more about life insurance with no medical exams required and review several options available.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Monday, October 12, 2009

Life Insurance for People Over 60

Is 60 Years Old Too Old To Get Life Insurance?

Actually, you may qualify for life insurance if you are 60 years old. In fact, there are life insurance carriers that offer life insurance to people over age 80.


Your ability to get life insurance at age 60 will depend on your health, the life insurance companies you contact for your free quotes, your weight-to-height ratio, your occupation, hobbies, whether you smoke, etc.

Your options for life insurance may be whole life insurance, term life insurance, no exam life insurance, and guaranteed acceptance life insurance.

Term life insurance may offer coverage for 10, 15, 20, or 30 years. Whole life insurance provides lifetime coverage at higher rates than term life.

If you don't want to take a physical exam, but you are healthy, you may qualify for term life insurance no exam required, just a few health questions.

If you do not qualify for any life insurance, but need coverage, you may want to consider guaranteed acceptance life insurance. It offers limited amounts of life insurance at high rates, and the coverage isn't fully available until you have owned the policy for 1-2 years, depending on the life insurance company.

You can request free MetLife life insurance quotes online to help you find affordable life insurance coverage to protect your loved ones.

Here's how you can learn more about life insurance for people age 60 and over.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Sunday, October 11, 2009

Quotes for No Exam Life Insurance

Can I get quotes for no exam life insurance online?

Yes, there are several options available which may provide you with no exam life insurance quotes on the internet.

More life insurance are now offering no exam life insurance due to competition in the insurance marketplace, the advancements in technology, and to make it quicker and easier for consumers to purchase their life insurance policies.

No exam life insurance usually charges higher rates than life insurance plans that require a full medical exam.

Also, the amount of life insurance coverage available without a medical exam may be limited.

However, you may be able to qualify for $25,000-$500,000 of term life insurance with no exam required, just a few health questions.

If you qualify, you may be able to begin your life insurance starting today. These plans usually come with a money-back guarantee (Free Look Period) from 10-30 days depending on the life insurance company, and the state you live in.

You may be able to choose term life coverage with no exam for a period of 10, 15, 20, or 30 years - depending on your age and health.

Learn more about life insurance no medical exam policies and request your free quotes online now.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Saturday, October 10, 2009

What is Term Life Insurance No Exam?

What is term life insurance with no medical exam required?

It's a type of life insurance policy that offers you the chance to qualify for a policy without having to take any physical exam, blood test, or urine testing.

What does that mean to you? You may get a quote, apply online and qualify for coverage in minutes. And, if you do qualify, you can start your life insurance policy today.

There are no medical exam required, just a few health questions.

How much life insurance can you get without a medical exam?

You may qualify for up to $500,000 of term life insurance no exam required.

Coverage is available for 10, 15, 20, or 30 years depending on your age, health, and other underwriting factors.

Request your free quote for life insurance with no medical exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Friday, October 9, 2009

Life Insurance No Health Questions?

Looking for a life insurance plan that doesn't ask questions about your health.

I am trying to help my mother find a Life insurance that isn't based upon your health.

There are life insurance plans that require no health questions, these are basically guaranteed acceptance life insurance plans.

However, with guaranteed acceptance plans you are offered limited amounts of coverage, and the premium may be very high.

There are life insurance plans that only ask a few health questions, and these plans offer more coverage and maybe more affordable prices when compared to guaranteed acceptance life insurance.

One options for you to consider for your mother may be Globe Life Insurance which offers up to $30,000 of simplified life insurance with no medical exam for people age 78 and under.

Another option may be term life insurance with no exam required that offers up to $500,000 of term life coverage, depending on your age and health.

You may want to consider contacting a life insurance agent that has access to a network of life insurers in order to compare plans and rates for life insurance for your mom.

Thursday, October 8, 2009

Cancer Life Insurance?

Can I get life insurance if I have had cancer?

Actually, people living with cancer may find it extremely difficult to purchase any life insurance based on their current health.

However, there are life insurers who have started offering life insurance to people who have survived bouts of cancer.

In fact, some life insurers may offer coverage to survivors of prostate cancer and breast cancer.

We all want to provide for our loved ones, and we never know when cancer may appear, that's why it's important to have a financial plan sooner rather than when it may be too late.

Here's how you can learn about Cancer Life Insurance and what options may be available for you.



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Wednesday, October 7, 2009

Life Insurance On My Mother?

Can I get life insurance on my mother?

My mom is like 65 years old...can i take out a policy on her? also whats the cost like? and how much will i get if/when she passes? ...i see all these ads for like "life insurance only a dollar"....does that mean , lets say i pay a dollar today and she passes next week, how much money would i get?....very confusing.......do u have to pay in a certain amount, to get a certain amount? .

Yes, you can buy life insurance on your mother, because insurable interest exists between a parent and their children.

With your mother's permission and consent, yes you can take out life insurance on her.

How much the life insurance will costs depends on your mother's health, age, type of policy, amount of life insurance, her height-to-weight ratio, whether she smokes or not, and other underwriting factors.

Globe Life Insurance offers simplified life insurance for people age 78 and under. There are no medical exams, just a few health questions.

You may be able to purchase up to $30,000 of life insurance for your mother from Globe life.

Globe Life offers $1 to start the life insurance policy, which means the first month is $1, and thereafter you would pay the regular monthly premiums quoted to you online.

You can learn more about Globe Life Insurance and request your free quote today.

Tuesday, October 6, 2009

Life Insurance for The Elderly

Can I get life insurance for my elderly father?

My dad is now he is in a nursing home. Is it legal for me to get a life insurance policy for him?

If so where should i look for a good deal?

Yes, a child can buy life insurance on their parent as there exists Insurable Interest between a child and parent.

One way to compare prices is to request free life insurance quotes on your father by visiting a life insurance quote website on the internet.

Another option is to consider no exam life insurance coverage which requires only a few health questions to answer to see if your father would qualify for life insurance.

Learn more about Term Life Insurance for Elderly people and request your free quotes.

Monday, October 5, 2009

How Do You Get Life Insurance for Your Spouse?

Can I apply for life insurance online for my spouse?

Yes, you can get life insurance for your spouse, and you may apply online.

Buying life insurance on another person's life requires "Insurable Interest" in that person.

That means there must be some possibility of financial loss on your part if the person dies.

Spouses have insurable interest in each other, as do parents and children, and siblings.

When buying life insurance for your spouse you may be asked health questions about your spouse, and your spouse may be required to take a medical exam, as well as, sign an application for life insurance.

You can request free life insurance quotes online from top-rated life insurance companies to find out how much your spouse's life insurance may cost.

Also, you may purchase term life insurance no exam required for your spouse. There are a few health questions. However, if approved, you may purchase the life insurance policy and start your spouse's coverage today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Sunday, October 4, 2009

New Life Insurance for Husband

How can my husband open a new life insurance policy?

We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we'd be taken care of.

We have life insurance that is paid for by his employer.

How do we go about buying our own life insurance? Is it added to our existing medical insurance, or can we get it separately?

Life insurance is separate from medical insurance.

You can buy an individual life insurance policy on your husband.

Many new families purchase term life insurance because it offers the most life insurance protection at the lowest price.

Term life insurance can provide coverage for a period of 10, 15, 20, or 30 years. That means your family will be protected until your children are grown and on their own.

Term life usually costs 2-3 times less than permanent life insurance.

Here's how you can apply for term life insurance online and start your husband's life insurance policy today, if he qualifies.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Saturday, October 3, 2009

Globe Life Accident Insurance Company

Who is Globe Life and Accident Insurance Company and what are they rated?

Globe life is a strong, secure life insurance company rated "A+" Superior by AM best Company for financial strength.

Globe Life was founded in 1951, and has more than 2.5 million policyholders.

Globe Life provides life insurance for adults, families, seniors, and children.

Globe Life Insurance offers people age 78 and under up to $30,000 of simplified life insurance with no medical exam required.

You can get an instant quote, apply online, and find out if you qualify, usually within minutes.

Learn more about Globe Life Accident Insurance Company and find out if it's right for you.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Friday, October 2, 2009

Life insurance and Burial Insurance

What is the best life insurance and burial insurance company?

I am looking to buy life and burial insurance for my family. So many companies are out there not sure what are the best companies and not scams.

I would like to buy a policy that covers burial expenses and one that offers life insurance.

Actually, burial insurance is a simplified life insurance plan that offers an easy application process with no medical exam, and limited life insurance, usually up to $25,000 of coverage.

One way to provide burial and life insurance coverage is to determine your life insurance needs, and then compare rates for the amount of life insurance you need from among several top-rated life insurance companies.

If you are healthy, comparing plans that require a medical exam may offer t=you the lowest prices for your life insurance coverage.

Among the leading burial insurance providers are NAALife, Stonebridge Life, and Globe Life and Accident Insurance Company.

If you are healthy and able to take a medical exam, you may want to compare life insurance plans and prices from leading term life insurance providers who can offer coverage for up to 30 years.

By comparing several plans from multiple insurers you may save hundreds of dollars per year on your policy.

Here's how you can compare life insurance quotes online from over 70 top-rated life insurers offering you savings up to 75%.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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Thursday, October 1, 2009

Best Life Insurance Company No Exam Required?

What Is The Best Life Insurance Company That Does Not Require A Medical Exam?

There are several life insurance companies that now offer no exam life insurance plans.

However, each insurer has their own guidelines for who they will accept, and what premiums will be charged.

The rates and approval depend on your individual risk factors - including your age, gender, height-to-weight ratio, hobbies, occupation, whether you smoke or not, your driving record, your health, and your family health history.

Life insurance with no exam required does ask a few health questions. Your answers will help to determine whether you are approved, and what rate you may be charged for your life insurance.

In addition, no exam life insurance carriers may offer different amounts of life insurance, and varying rates.

To find the best company for no exam life insurance you may want to compare plans from American Life Policy, RBC Insurance, and Globe Life Insurance, to name a few.

Here's how you can read the reviews of these top insurers for no exam life insurance at Life Insurance No Medical Exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.


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