Can a Person Have 2 or More Life Insurance Policies?

Can a person own two or more life insurance policies?

Yes, you can have 2 or more life insurance policies.

For instance, you may have life insurance through your employer, and own a separate individual life insurance policy.

Or, you may have 2 policies with different life insurance companies.

Or, you may own two different types of life insurance policies, such as, whole life and term life insurance.

It is common for people to own 2 or more life insurance policies.

Although, depending on the type of life insurance, it may be more cost effective to own just one life insurance policy.

In fact, if you have owned term life insurance for 3 or more years, you may find the rates for a new policy to be lower than you are paying right now for your coverage.

Here's how you can request free, instant term life insurance quotes from over 70 top-rated life insurers for 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.

Life Insurance Coverage without Medicals?

Are there any life insurance companies in America that give coverage without doing any medical exams?

Yes, there are insurers which offer no exam life insurance coverage. Some of the leading life insurers offering life insurance with no exam include Colonial Penn, Globe Life Insurance, and Liberty Life Insurance.

If you qualify will depend in your health, age, weight-to-height ratio, and some other medical questions the insurer will ask.

No exam life insurance plans are available online from highly-rated life insurers offering from $25,000 up to $500,000 of coverage.

In fact, you may qualify for up to $500,000 of term life insurance no exam required, just a few health questions.

Although there is no exam, the rate may be higher than you might pay for life insurance that does require you to take a physical exam. Request your free quote for life insurance with no exam.

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

How Do You Determine How Much Life Insurance You Need?

Where can I find out how much life insurance I need to protect my family?

In the past, life insurance agents would recommend that consumers purchase between 7-10 times their annual income in life insurance.

For instance, if you made $50,000 each year, they would recommend you carry at least $350,000 of life insurance. That way your family could invest that money and hopefully live off of the interest, using the interest on their investments to replace your income.

However, with interest rates so low now, it would take at least 20 times your annual income to replace your earnings if your beneficiary could get a return of 5% on their investments.

Today, their is a quick and easy method to use that takes into consideration your personal situation, including your investments, earnings, and financial needs for the future.

Now, you can use a life insurance needs calculator to come up with an accurate estimate of your life insurance needs.

You answer some basic questions about your financial situation and you get an instant estimate of your needs for life insurance.

Here's a term life insurance calculator you can use now, it only takes a minute.

Then when you are ready, you can request your free, instant term life insurance quotes 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.

Learn About 20 Year Fixed Term Insurance

What is 20 year fixed term insurance?

It's a type of life insurance policy that provides temporary coverage for a period of 20 years, as long as you pay the premiums.

Your life insurance premium and amount of coverage remain the same each year for the entire 20 year term. It may also be called 20 year level term life insurance.

Many people choose 20 year fixed term life insurance to provide coverage to pay off their mortgage, car loan, credit card debt, or provide money for the child's education, among other things.

20 year fixed term offers you the opportunity to purchase the most life insurance protection at the lowest cost.

If you outlive the 20 year term of your policy the coverage expires.

If you are ready, you can request your free, instant term life insurance quotes 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.

How Can My Husband Open A Life Insurance Policy?

Is your husband looking to start a life insurance policy?

If so, he may be able to purchase life insurance from a quality, affordable life insurance company - direct online starting today...

In fact, now it's quicker and easier than ever before to shop and compare life insurance plans online from leading life insurers.

You just visit a life insurance quote search engine, like Termfinder, and request your free, instant life insurance quotes from over 70 leading life insurers.

By filling out one form you can compare the lowest prices from the highest rated insurers in a matter of minutes.

If your husband wants to start his life insurance plan today, he can get a quote, apply for coverage, and see if he qualifies in about 15 minutes.

Your husband may qualify for up to $500,000 of term life insurance with no medical exam required, just a few health questions. Once approved he may begin his life insurance policy the same day. Request a free life insurance quote.

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

Man Beaten to Death at Phillies Game

Yesterday, a man was beaten to death outside the Philadelphia Phillies basebale game.

Source: MyFoxPhilly.com

PHILADELPHIA - Philadelphia police have two men in custody, and expect to arrest another person, after Saturday night’s beating death of a Phillies fan outside Citizens Bank Park.

Investigators say a fight began inside McFadden's Restaurant and Saloon, which is inside the ballpark, and then spilled out into a parking lot, where a 22-year-old man was beaten to death, Fox 29's Steve Keeley reported.

The man is identified as David Sale of Lansdale. Police say he was punched and kicked repeatedly in the head. Read entire article.

Sale was pronounced dead at the hospital, he suffered injuries to the head and chest.

You never know what might happen, even at a baseball game.

That's why it's best to plan ahead and prepare for the future, especially if you have a family who counts on you.

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

How to Buy Life Insurance

How can you buy life insurance?

Today, it's quick and easy to buy life insurance - if you qualify.

However, before you purchase life insurance you should review a few things which are important to know.

Please click on the video below to watch a short review explaining How to Buy Life Insurance



Life Insurance Resources to help you Buy Life Insurance:

Life Insurance Needs Calculator - To help you decide how much life insurance you need.

Term Life Insurance Quotes - Compare free, instant life insurance quotes from over 70 top-rated life insurers offering you savings up to 75%.

How Term Life Insurance Works - learn about term life insurance and how it works.

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

Make sure to compare rates to find the best price.

Also, review the financial rating of the insurer to find a safe, financially secure life insurer to protect you and your family.

Where Can I Find Reliable Cheap Life Insurance Quotes?

How can I get reliable, cheap life insurance quotes?

When searching for life insurance quotes that are cheap and reliable, you have a few options:

1. Contact a local licensed life insurance agent in your area.
   
   
2. Contact a life insurance company direct.
   
   
3. Visit a life insurance quote provider like Termfinder, which has access to a network of over 70 top-rated life insurers, to request your quotes for life insurance

Some of the advantages of visiting Termfinder for quote comparisons are the following:

• It's quick and easy.
  
  
• No need to meet with an agent.
  
  
• Compare multiple quotes from top-rated insurers.
  
  
• Save up to 75% on your life insurance.
  
  
• No sales pressure.
  
  
• Convenient - Compare rates online from your home or office, any time of the day or night.

If you are ready, you can request your free, instant term life insurance quotes 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.

Can Decreasing Term Life Insurance Be Used To Pay A Mortgage?

Can you buy decreasing term life insurance to pay off your mortgage if you pass away.

Yes, many people choose to purchase decreasing term life insurance to pay off their mortgage in case they die.

Another option is level term life insurance which offers guaranteed level rates and life insurance coverage for up to 30 years.

Decreasing term life insurance offers rates that remain the same each year, while the amount of life insurance protection decreases each year in-line with your decreasing mortgage loan.

Here's how you can request your free quotes for term life insurance online from over 77 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.

What is the Best Life Insurance with No Medical Exam

What is the best type of life insurance with no medical exam required?

There are a couple types of no exam life insurance plans available - Permanent and Term.

Although permanent life insurance may offer lifetime coverage, as long as you pay your premiums, it provides less life insurance at higher rates.

Whereas, term life insurance with no exam offers you more life insurance protection at lower rates. And, if you qualify, you may start your life insurance policy the same day.

There are a few health questions to answer. Your answers will determine whether you are approved for life insurance.

It's quick and easy to compare free quotes online for no exam life insurance. In fact, you just answer 5 questions and get your instant quote.

To learn more about no exam plans you can visit term life insurance with no exam required.

Or, if you are ready, you can request your free, Instant Quote now.

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

Life Insurance for My Elderly Father

How can I get life insurance for my elderly father?

Today, there are several insurance companies offering life insurance for elderly people.

In fact, some life insurers offer life insurance for people age 78 and under, and there’s no medical exam required.

However, your father’s health will be considered, as there are a few health questions to answer when applying for life insurance, even for the plans that do not require a physical exam.

Some life insurers offering elderly life insurance include Globe life, Colonial Penn, and Stonebridge Life.

Here’s how you can learn more about life insurance for elderly people.

To compare prices for elderly life insurance, you can request free, instant life insurance quotes online from top-rated life insurers offering 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.

What is the Best Kind of Life Insurance for Someone over 60?

What is the best kind of life insurance for someone over age 60?

There are several types of life insurance, the two basic types being permanent life insurance and term life insurance.

Many people over age 60 choose to purchase term life insurance for a period of 10, 15, or 20 years, because it costs a lot less and provides more life insurance than permanent life insurance.

However, permanent life insurance offers lifetime coverage.

There are some companies that offer senior no exam life insurance for people age 78 and under.

It depends on your needs, and your budget. But you can learn more my reading this article explaining Life Insurance for People Over 60.

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

Is There a List of the Top Life Insurance Companies?

Which are the top life insurance companies in the U.S.A.?

Each year there is a list of the leading life insurance companies issued by the Insurance Information Institute.

Here's the list of Top Life Insurance Companies.

Many consumers like you choose to review this list to help them find a life insurer that is highly-rated for financial strength, in order to select a life insurance company that is safe and secure.

When reviewing your options make sure you look for a life insurance company rated "A" or better by AM best Company for financial strength.

Also, compare several quotes for life insurance from multiple carriers to help you save money on your life insurance policy.

Here's how to get your free quotes for life insurance.

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

What Does Life Insurance Urinalysis Test For?

What does the life insurance company test you for when you get a urinalysis test for life insurance?

Life insurance companies have you take a urinalysis test to check for any health issues and kidney disorders.

Most life insurance blood and urine tests will test for all of the STD's including but not limited to HIV/AIDS, VD, gonorrhea, syphilis, herpes, etc.

In addition, testing is done for protein levels, cholesterol, diabetes, illegal substances, and prescriptions.

There are some life insurers which offer term life insurance with no exam required. There's no physical, blood or urine tests, just a few health questions. The amount of coverage available may be limited to $500,000 and the premium may be higher than offered by insurers requiring a physical exam.

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

What is the Best Way to Get a Life Insurance Quote?

What's the best way for me to compare life insurance quotes online from several leading life insurance companies at the same time?

The best way to compare multiple quotes for life insurance is to visit TermFinder.

TermFinder is a life insurance quote website that has access to a network of more than 70 leading life insurance companies.

You just fill out one form and receive up to 12 quotes instantly from the top-rated life insurers offering you savings up to 75%.

Your quotes will show the life insurance premiums, financial ratings, premium payment options, type and amount of life insurance quoted.

Comparing side-by-side life insurance quotes from several insurers at once is a quick and easy way to find the best price from the highest-rated life insurance companies online.

Shop and compare the best Life Insurance Quotes from TermFinder now.

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

What is the Best Company That Does Not Require a Medical Exam?

Which is the best life insurance company that doesn't require you to take any medical exams?

Actually, now you may be able to qualify for no exam life insurance online in a matter of minutes.

There's no medical exam required, no blood test, and no urine test - just a few health questions.

Some of the leading life insurers offering no exam life insurance include RBC insurance, Garden State Life, Colonial Penn, Gerber Life, Globe Life and Accident Insurance Company, and HSBC insurance.

When comparing plans it's important to understand that no exam life insurance plans may cost more than life insurance that does require a medical exam.

Also, make sure you compare the prices and amount of coverage available before choosing your life insurance policy.

Rates vary between companies, and the amount of life insurance available may vary from $25,000 to $500,000.

Here's how you can review the leading life insurance no medical exam plans and companies, and choose the right plan to meet your needs.

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

How Does Life Insurance No Medical Exam Work?

Life insurance is protection against the death of an individual in the form of payment to a beneficiary, usually a family member.

In exchange for a series of premium payments, upon the death of an insured person, the face value of a life insurance policy is paid to the beneficiary, less any policy loans and interest due.

Life insurance with no medical exam means there is no medical exam required to apply for, and qualify for life insurance coverage.

Based on your answers to a few health questions you may qualify for life insurance without taking any medical exam, blood tests, or urine tests.

Learn more about 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.

Over 50s Life Insurance Protection

If you are over 50 you may be considering the purchase of a life insurance policy, perhaps for you and your spouse, if you're married.

Whether you need an individual policy, or one for you and your better half, now you can compare plans and prices for quality, affordable life insurance for people over 50 - online in just minutes.

In fact, it only takes a few minutes to request free life insurance quotes from a network of leading life insurance companies.

That way you can compare the plans and rates side-by-side and easily find the coverage that meets your life insurance needs.

And, there's even companies offering life insurance with no medical exam required, if that's what you want.

You can even apply online and find out within minutes if you qualify for coverage.

Most life insurers also provide a money-back guarantee for 10 or 30 days, depending on the insurer, and the state you live in.

Here's how you can learn all about Over 50s Life Insurance and compare free quotes today.

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

Which One is Better Term life Insurance or Whole Life Insurance?

Which type of life insurance is best, term life insurance or whole life insurance?

It depends on your personal situation and your life insurance needs.

If you need short term life insurance for 30 years or less, then term life may be the best option because it costs much less than whole life insurance.

If you need lifetime coverage, whole life may be the best option since it offers coverage for your entire life if you pay the premiums.

Learn all about Term Life Insurance vs Whole Life Insurance and find out which may be 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.

Who Can Buy Life Insurance with No Medical Exam?

Who can purchase life insurance without taking a medical exam?

Today, life insurance is available online direct from life insurance companies without any physical exams required.

In fact, some insurers offer life insurance with no medical exam to people age 78 and under.

Depending on your age and health, you may be able to purchase up to $500,000 of life insurance without any physical checkup.

In fact, even if you are over 50, on medication, or you smoke, you may still qualify for no exam life insurance coverage.

When you apply for no exam life insurance you will answer a few health questions. Your answers will determine whether you qualify.

Not everyone qualifies for life insurance without an exam.

And, the rate may be higher than you would pay for life insurance that does require a medical exam, because no exam plans may accept people who might not qualify for life insurance requiring a physical exam.

However, is you want life insurance without a medical, blood or urine tests - it is available.

There are insurers rated "A+" Superior for financial strength by AM best Company which offer up to $500,000 of term life insurance 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.

Will Life Insurance Companies Payout In A Pig Flu Pandemic?

If there is a pig flu pandemic, and many people lose their lives, will life insurance companies pay out the claims for death arising out of the pig flu?

It depends on the exclusions listed within the life insurance contract, so each policy may be different.

Unless a life insurance policy specifically states that it is not included than no one will have any problem making a claim and getting paid.

Suicide is one example of insurance companies denying benefits and it is written right on any policy. But here are even payouts for this after owning the policy for 1 or 20 years, depending on the state you live in.

Presently pig flu pandemic is not an exclusion under the standard life policy, and so it would be paid.

However, it is always best to review your life insurance policy and all exclusions which may apply to your coverage.

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

Senior Burial Insurance Quotes Online

Are you looking for senior burial insurance quotes?

If so, it may be quicker and easier than you expected to compare quotes for your burial insurance plan.

Now you can visit a website offering burial insurance, fill out one form to request a free quote, and compare rates instantly for up to $30,000 of burial insurance protection.

In fact, with Globe Life you may choose up to $30,000 of simplified life insurance with no medical exam required to provide the coverage your family needs to cover your final expenses.

Globe Life insures more than 2.5 million people in the U.S. and is rated "A+" Superior for financial strength by AM Best Company, which rates the financial strength of insurers.


Top Pick - Globe Life Insurance offers you up to $30,000 of Simplified Life Insurance with No Medical Exam required.

Globe Life Insurance is rated "A+" (Superior) by A.M. Best for financial strength. You can apply online and get approved in five minutes. $1 starts your term life coverage! Buy it online here!

How Much Life Insurance Can You Buy without a Medical Exam?

How much life insurance protection is available to purchase without having to take any physical exam, blood or urine tests?

The answer depends on you - your health, your age, and your answers to some basic questions asked on a life insurance application.

Today, life insurers offer from $25,000 up to $500,000 of term life insurance with no medical exams required.

There are a few health questions to answer, and your answers will determine if you qualify for the life insurance coverage.

However, with no exam life insurance, there's no need to meet with an agent, no physical exams, and no sales pressure.

You can find out usually within minutes of you qualify for coverage.

Once you are approved, you can start your life insurance the same day.

These plans may cost more than life insurance requiring a full medical exam.

However, you don't have to wait 6-8 weeks to start your life insurance, you can protecting your loved ones today, if you qualify.

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

Pro Marijuana Tax to help Save California Budget?

It seems a pro-marijuana group has an answer to the California budget crisis, or at least a way to help...

Start taxing marijuana in the State of California.

Will it be seriously considered by the Governor?

California Assembly Speaker Karen Bass said on Wednesday she sees stalled negotiations with Governor Arnold Schwarzenegger over closing the state's $26.3 billion budget gap resuming by Friday.

One option open to the government of the most populous U.S. state for raising revenue is to tax marijuana.

A television commercial, paid for by the Marijuana Policy Project Foundation, that began airing on Wednesday in some California broadcast markets.

Source: FoxNews



It does seem that a tax on something that is currently being grown and sold in the state may help to reduce the budget crisis in California.

What do you think?

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

What is Senior Term Life Insurance No Exam required?

What is senior term life insurance with no exams, and how does it work?

Senior term life insurance is temporary life insurance for people over the age of 55. Usually term life plans offer coverage for a term, or period of 10, 15, 20, or 30 years.

However, depending on your age and health, the term may be limited to 20 years of coverage.

Term life with no exams means there is no medical exam required to qualify for life insurance, just a few health questions. And, there's no blood or urine tests, either.

Basically, senior term life insurance with no exam offers from $30,000 up to $100,000 or more without a medical. The amount of coverage available depends on your age, the insurance company, and your health.

The premium you pay may be higher than you would pay for a life insurance policy that requires a physical.

But, with no exam life insurance you can apply online and find out within minutes (usually) if you qualify for life insurance. There's no waiting 6-8 weeks for a decision.

And, there's no need to meet with an agent, take a physical, or listen to a high-pressure sales pitch.

Here's how you can get senior term life insurance 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.

What is No Physical Exam Burial Insurance

No physical exam burial insurance offers you the option of purchasing life insurance to pay for burial expenses without having to take any physical exam.

In fact, some plans for burial insurance offer you up to $30,000 of simplified life insurance without any physical exam, blood or urine tests.

Yes, there are a few health questions for you to answer when you apply online for burial insurance coverage.

Your answers to the health questions will help to determine if you qualify for coverage.

Your life insurance is provided by Globe Life Insurance which is rated "A+" Superior by AM Best for financial strength.

Since 1952 Globe Life has been protecting the lives of American families, and they currently have more than 2.5 million policy holders.

Here's how to get your No Physical Exam Burial Insurance from Globe Life.

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

Term Life Insurance Not Requiring a Physical Exam

What is term life insurance not requiring a physical?

It's just what it sounds like - you can apply for life insurance online and there is no physical exam, no blood test, and no urine test.

How does it work? You answer some basic health questions, and based on your answers, the insurance company makes a decision, usually within 15 minutes, if you are approved for life insurance.

Here's a video to help you better understand:



You may choose up to $500,000 of term life insurance with no medical exam just a few health questions.

You can apply online and get approved within minutes, if you qualify.

There's no need to meet with an agent. You can apply completely online.

It only takes a few minutes.

Get your Free Quote Now

Life Insurance on the Home

What is the best company that can provide life insurance on the home?

Life insurance to pay for the mortgage in the event of your death is best purchased from an independent life insurance agent that represents several life insurance companies.

Most likely you will be interested in a level premium term life insurance policy that matches the period of your mortgage.

Level term life insurance offers you guaranteed level rates and coverage for up to 30 years to pay off your mortgage if you pass away.

Some companies offer life insurance products that reduce their life benefit in conjunction with decreasing balance of what you owe on your mortgage but I have found these policies to be uncompetitive. These types of policies are called "decreasing term insurance".

Whatever you do don't buy the life insurance from the mortgage company. Way overpriced compared to other plans like level term which are available.

Here's how you can learn more about life insurance for your home and request your free quotes online 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.

Should People Buy Mortgage Insurance?

Are you considering the purchase of a home?

If so, you may be wondering if you need mortgage insurance....

Why should people buy mortgage insurance anyway? Well, in some instances the mortgage loan company requires you to take out mortgage protection insurance depending on how much money you put down on your home.

However, many people choose to buy mortgage insurance to provide the money their family would need to pay off the outstanding mortgage loan if they should pass away.

Which type of mortgage insurance is right for you?

There are several types of life insurance plans that may provide the money to pay off the mortgage in case you die.

Learn more about Mortgage Life Insurance and compare your options to help protect your family, and make sure they can keep the home they shared with you in case something were to happen.

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

AM Best Affirms Financial Ratings of RBC Insurance Group Members

Source: BusinessWire

A.M. Best Co. has affirmed the financial strength ratings of A (Excellent) and issuer credit ratings of “a” of the life/health members of RBC Insurance Group (RBC Insurance): RBC Life Insurance Company (RBC Life) (Mississauga, Ontario) and the U.S. life insurance entity, Liberty Life Insurance Company (Liberty Life) (Greenville, SC). The outlook for all ratings is stable. Read entire article

RBC insurance offers term life insurance through their sister-company Liberty Life Insurance Company, which is rated "A" (Excellent) by AM best Company for financial strength.

The name of the term life coverage is RBC express term because you can apply for term life insurance online and get approved in just 15 minutes, if you qualify.

There's no medical exam required, just a few health questions. Your answers to those health questions will determine if you get approved for coverage.

Learn more about RBC Express Term from RBC insurance and see if you qualify today!

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

Top 10 Reasons to Buy Life Insurance No Medical Exam Required

Are you considering the purchase of life insurance?

If so, you may be interested in learning why some people choose to purchase life insurance without having to take any medical exam to qualify for a policy.

To start, there's no medical exam, blood test, or urine test.

Did you know that more than 10% of the population fear needles?

Here's a list of some reasons why people choose No Exam Life Insurance:

1. You can purchase up to $500,000 of coverage starting today, if you qualify.
   
   
2. No physical exam, blood or urine tests required.
   
   
3. There's no sales pressure.
   
   
4. No need to meet with an agent.
   
   
5. You can apply completely online.

Read the entire Top 10 Reasons to Buy Life Insurance No Medical Exam.

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

Are Life Insurance Benefits Subject to Federal Income Tax?

Do you have to pay taxes on life insurance proceeds?

No, you do not. If an individual is the beneficiary of a life insurance policy, and receives the proceeds from a life insurance policy, the death benefit is not subject to federal income tax.

However, if the life insurance policy was owned by the estate, the proceeds may be subject to estate taxes.

It is always a good idea to review the tax implications of life insurance proceeds with your tax accountant, and perhaps a tax attorney to verify the taxable status of the money you receive.

Here is an article that reviews the life insurance tax implications of life insurance proceeds in more detail.

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