Monday, November 30, 2009

Life insurance for Child's Father?

How do I buy life insurance for my child's father?

I want to buy life insurance on my son's father.

He is the beneficiary on my life insurance policy, and I just feel that it is necessary for us to have this coverage on him as well.

I have my life insurance through my job so I really don't know how to go about getting life insurance on someone else.

You can talk to a local licensed life insurance agent.

The other person (your child's father) needs to fill out the life insurance application and sign it, and agree to you being the policy owner.

Then they release their medical records to the life insurance company, and submit to a paramedical exam with blood, urine, and saliva samples. In addition, there may be some personal and family health questions asked of him.

So, you need their permission and cooperation to do this.

In addition, there are other life insurance plans available on the internet which may allow you to apply online and find out the same day if he is accepted for life insurance with no medical exam required. These plans usually cost more.

One way to get the ball started is to request free life insurance quotes on the internet from several highly-rated life insurance companies to compare rates.

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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Disclosure: Compensated Affiliate

Sunday, November 29, 2009

Seniors and Life Insurance

Do seniors need life insurance?

Can seniors qualify for life insurance coverage?

Many senior may need life insurance to provide funds to pay for their final expenses, such as, a burial plot, headstone, casket, funeral, memorial service, and other final expenses.

In addition, life insurance for seniors can provide money for your spouse, children, and estate taxes.

Many seniors might think they won't qualify for life insurance because of their age or health, or both.

However, there are life insurance plans available which may offer coverage for seniors that may fit your budget.

In fact, Globe Life offers seniors age 78 and under up to $30,000 of simplified life insurance without any exams.

Learn about Senior Life Insurance and request your free quote today.


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Saturday, November 28, 2009

Age Limit on No Exam Life Insurance?

Is there an age limit on life insurance with no medical exam required?

The answer depends on the life insurance company and your own individual factors, such as your health.

There are several life insurance companies that offer no exam life insurance policies.

Each life insurer has their own set of guidelines and restrictions for who they will accept for coverage, depending on underwriting factors such as your age, health, if you smoke, your weight, etc.

Some no exam life insurance plans offer guaranteed acceptance which means the limits of coverage offered may be low, but the age restrictions may be for people ages 50-85, possibly.

Other life insurance companies may offer term life insurance no exam for people age 65 and under, and the amount of coverage may be offered for 10, 15, 20 or 30 years. The amount of coverage offered may be based on the age you are when you purchase the coverage, with lower limits available for older persons.

In addition, there may be accidental death insurance plans available for people of differing ages, perhaps from age 18 to 70. Accidental death coverage usually offers higher limits of life insurance and a lower premium, because you must die as a result of an accident for coverage to pay out.

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, November 27, 2009

Life Insurance No Medical Questions?

Can I buy life insurance without any medical questions asked?

Many individuals like you are looking for life insurance policies that do not require you to answer health questions.

Why? Maybe you have been declined for life insurance coverage.

Or, maybe you are a high risk because of your lifestyle, job, or hobbies.

Or, maybe you have a health condition which is considered high risk by life insurers.

Whatever your reason for looking for looking for life insurance without medical questions, you do have options.

One option may be to compare plans and rates from several life insurers to find out which may offer you coverage.

Another option may be guaranteed acceptance life insurance, which offers limited coverage and high rates.

Still another option may be Life Insurance No Medical Questions that offers up to $1,000,000 of coverage without any health questions to answer.

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, November 25, 2009

Cheap High Risk Life Insurance?

How can I find cheap high risk life insurance plans?

High risk applicants for life insurance are those individuals considered to be risky, more risky than the average applicant.

That means your life expectancy may be shorter due to any one of several factors, including your job, hobbies, or health.

Can you actually find cheap high risk life insurance?

The answer depends on the type of life insurance you are looking for, and which life insurers you get quotes from for your policy.

Accidental death insurance may offer the cheapest option for high risk life insurance.

In addition, by comparing life insurance quotes from several carriers you may find a more affordable rate, because prices will vary between life insurance carriers.

Each insurance company has their own set of guidelines for how they price your policy. So, it may save you some money to compare plans and quotes from multiple insurers.

Learn more about finding cheap high risk life insurance on the internet.

Tuesday, November 24, 2009

Buy Life Insurance Completely Online?

Can you get life insurance completely online?

There is a set process involved in applying for life insurance completely online.

The first is to calculate your individual life insurance quote.

You answer the required questions on the quote request form online regarding your health, age, sex, smoking habits and lifestyle and you can instantly receive comparison quotes for your review.

Once you have made up your mind about the life insurance plan that's right for you, you fill out the application form (as required) and you find out within 15 minutes or so (or by the same day) whether or not you qualify for life insurance coverage.

The answers to your application questions, including the health questions you answer will help to determine your eligibility for the life insurance plan.

If your policy is accepted, you may be able to pay for your life insurance policy by using your credit card.

These types of online life insurance plans may not require any health exam, just a few health questions.

You may be able to qualify for up to $500,000 of term life insurance for a period of 10, 15, 20, or 30 years of coverage, depending on your age and health.

Learn more about how you may buy 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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Monday, November 23, 2009

How Does Life Insurance with No Exam Work?

What is no exam life insurance, and how does it work?

No exam life insurance is life insurance protection that does not require you to take any physical exam when you apply for coverage.

Usually, if you are applying for $100,000 or more of life insurance you may be required to take a physical exam, blood and urine tests, depending on your age, answers to the application questions, and the insurance company.

Each life insurance carrier has their own set of underwriting guidelines for applicants for life insurance.

However, do to technological advancements, the internet, and the need for life insurers to be more competitive, there are now available life insurance policies that do not require you to take a medical exam.

No exam life insurance plans may be available for term life insurance coverage that offers life insurance for a set number of years. Some no exam plans offer term insurance for a period of 10, 15, 20, or 30 years, depending on your age and health.

Learn more about life insurance with no medical exam required and compare plans and rates online 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, November 22, 2009

Turned Down for Life Insurance?

Have you been turned down for life insurance?

It can be a difficult thing to deal with. How can you get life insurance protection when you really need it?

Especially if you do not qualify for life insurance, or have been declined for coverage.

Many people wait until it's too late to purchase their life insurance policy.

That's why life insurance advertisements tell you to buy life insurance when you are young and healthy, so you can qualify for coverage, and you'll have it when you really need it.

However, there are options that may be available to you if you have been turned down for life insurance.

Guaranteed acceptance life insurance offers limited amounts of life insurance at high rates with no medical exam required.

In addition, there are no question term life insurance plans available which offer up to $1,000,000 of accidental life insurance with no medical exam and no health questions to answer.



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Saturday, November 21, 2009

How to Get a Quotation for Mortgage Life Insurance

How can I get quotes for mortgage life insurance to provide protection for my mortgage if I die?

Mortgage life insurance plans can provide the security and protection your family needs if you pass away.

There are several types of life insurance that can provide protection for your mortgage, such as, decreasing term and level term insurance.

Decreasing term life insurance provides an amount of life insurance protection that decreases each year in line with your decreasing mortgage. The premiums you pay remain the same each year.

Whereas, level term life insurance provides an amount of life insurance that stays the same each year, and the premiums remain level, as well.

With level term you may be leaving your family proceeds that exceed the outstanding mortgage loan, so they will have money to pay for other things, such as, your final expenses, living expenses, college tuition, etc.

Here's how you can learn more and request your free quotation for mortgage 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.


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Friday, November 20, 2009

What is Senior Citizen Term Life Insurance?

Senior citizen term life insurance is basically a temporary life insurance policy for seniors.

Term life insurance offers you protection for a certain period of time, from 1-30 years.

Many term life policies are issued for a term of 10, 15, 20, or 30 years of coverage.

Seniors may be able to qualify for 10, 15, or 20 years of coverage.

Your ability to qualify for life insurance depends on your life expectancy, and since the average life expectancy is around 79 years, a person who is 65 may find it difficult to qualify for a 30 year term life insurance policy.

However, there are several options for life insurance available to seniors, including term life insurance, permanent life insurance, and guaranteed acceptance life insurance.

Term life is usually the most affordable because it provides temporary coverage, and builds no cash value inside the policy.

Learn more about Senior Citizen Term 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.


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Thursday, November 19, 2009

Life Insurance and Drug Use

Can you get life insurance with past drug use?

Usually, someone who is taking illegal drugs may not be able to qualify for life insurance coverage.

There are certain life insurers who insure people taking medical marijuana.

Each life insurance company has their own set of underwriting guidelines as to what they will consider an acceptable risk.

That means, the insurance company may take several factors into consideration when reviewing your application for life insurance, such as:

1. What type of illegal drugs did you take?

2. How long ago were you taking the drugs?

3. How much and how often did you take the drugs?

4. How long have you been drug-free?

5. Did you go through a professional Drug Rehabilitation program?

6. When did you go to rehab, where did you go, and did you complete the program?

7. Have you had any drug relapses (taken drugs) since you finished rehab?

Also, the insurance company may ask about any arrests or legal problems resulting from your drug-use.

Depending on your answers, and the insurance company guidelines, you may be able to qualify for life insurance; however, it may be costly, and the amount of life insurance may be limited.

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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How Do Life Insurance Policies Work?

How do life insurance policies work?

I am 23 years old and started a life insurance policy (just the basic policy, nothing supplemental) through my work about a year ago.

What happens if I get a new job or get laid off...do I lose that life insurance that I have already put money into?

Also, what do the terms mean? For example, if one company is offering a 30 year policy for $20.00/month. What happens after the 30 years is up?

If you lose your job or get fired, you may lose your life insurance benefits.

usually, you have the option to convert your group term life insurance to a whole life insurance policy within a certain time-frame of leaving your job. However, the rates you pay for the new life insurance policy may be much higher.

If you have a 30 year term life insurance policy it provides coverage for 30 years.

As long as you keep paying your premiums on time, you have the coverage.

However, if you outlive the 30 year term, your life insurance coverage expires.

if you pass away during the 30 year term, your beneficiary will receive the proceeds of the life insurance policy, usually free from any federal income taxes.

However, there may be some exclusions that apply to your life insurance policy - read your life insurance contract.

You can request free term life insurance quotes online and compare prices from several highly-rated life insurance companies with no obligation.

In addition, you may ave the option of purchasing 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, November 18, 2009

What are the Top Ten Life Insurance Companies?

If you're looking for life insurance you may be considering buying life insurance from one of the largest, most secure life insurance companies in America?

It only makes sense, why not buy your life insurance policy from a safe, financially secure insurance company,right?

But, where can you find the leading life insurance carriers?

Each year, an organization by the name of the Insurance Information Institute (III.org) issues a list of leading life insurance companies, including the top 10 largest life insurance carriers issuing the most individual term life insurance premiums.

The list of leading life insurers provides the name of the insurance group and the financial ratings issued the carriers by AM Best Company, an independent rating agency that determines the financial stability of the insurers.

Here's a list of the Top Ten Life Insurance Companies for your review.

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, November 17, 2009

Affordable Term Life Insurance Quotes - How It Works

Do you want to compare term life insurance quotes online to find affordable life insurance coverage?

If so, here's a helpful video that reviews what to expect when you request term life insurance quotes, and what you may want to think about when getting your quotes.

Please click on the arrow below to watch the video now:



Now that you know what to expect, here's how you can review your options for free, instant term life insurance quotes online from several leading 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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Life Insurance and Drug Tests?

Do life insurance companies require that applicants take a drug test?

Whether or not a drug test is required for life insurance applicants usually depends on the following factors:

1. The type and amount of life insurance requested.

2. The insurance company.

3. The insured's health and age.

In many instances the insurance company may require you to take a drug test if you are requesting $100,000 or more of life insurance coverage, or you answered yes to certain drug-related questions on the application.

What do they test for in a life insurance drug test?

The nurse will ask you questions related to your health.

A physical test of your height and weight along with samples of urine, blood and saliva if you smoke may be taken.

Depending upon the age and other health problems mentioned she might do a Cardiogram.

The drug tests of your blood, saliva, or hair follicle samples may check for legal prescription drugs, as well as, illegal drugs, such as, marijuana, cocaine, amphetemines, and barbituates.

Here's how to learn more about the life insurance medical exam and what it may include.

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, November 16, 2009

How to Get Term Life Insurance Quotes

Term Life Insurance Quotes

How to shop and compare term life insurance quotes.

Whether you are young and single, married with children, or over 55 and retired, you may want to consider life insurance.

And, with so many choices available to you for life insurance, where do you start?

Today, you have several choices available to you when it comes to chopping for life insurance quotes.

You can look up a local licensed independent life insurance agent listed in your yellow pages.

Or, you can call several life insurance companies direct, to request free quotes for life insurance.

Or, you can visit one of the many life insurance websites on the internet which offer you free quotes. Some of these life insurance quote provider include Efinancial, AccuQuote, Insweb, InsureMe, and Termfinder.

But how does it work – getting term life insurance quotes online?

Well, first you visit a life insurance website that has access to a network of life insurers.

Then, you answer some basic questions including information about your health.

After answering the questions for your quote request, you may receive several instant life insurance quotes from multiple insurance companies.

What will the quotes for life insurance show me?

Basically, your life insurance quotes will provide the name of the insurers, the financial ratings, the premiums quotes, and the length of term for your life insurance coverage – 10, 15, 20, or 30 years.

Make sure you consider how many years you need life insurance, what you can afford to pay, and how much life insurance you need.

Here’s how you can request your free term life insurance 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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One Year Term Life Insurance Explained

What is one year term life insurance?

1 Year term life insurance is short-term life insurance protection for a period of 1 year.

Some one year term policies are called "Yearly Renewable Term Life Insurance". offering the option of renewing the policy after the one year term, without requiring you to take a medical exam.

However, the new policy is based on your age at renewal, which will increase your rate.

Here's an article explaining one year term life insurance and how it works.

Level term life insurance is another option which offers coverage for a term of 10, 15, 20, or 30 years.

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, November 15, 2009

Cancer and Life Insurance

Is cancer covered by life insurance?

The answer depends on your life insurance and the exclusions listed within your policy.

If your life insurance policy does not exclude cancer, then it may be covered.

Also, when you applied for life insurance, they may have asked you on the application if you have ever had cancer, have cancer, or are being treated for any health problem.

If your cancer resulting in death was related to any health issue you did not answer honestly to on your life insurance application, then the claim may be denied based on material misrepresentation.

However, if you developed cancer after purchasing your life insurance policy and were unaware of the cancer when you applied for coverage, it may be covered.

It may be a good idea to ask the life insurance company and your agent for a written explanation of how cancer may be covered by your policy before you purchase your life insurance.

Learn more about cancer 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.


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Saturday, November 14, 2009

Are Life Insurance Policies Permanent?

How long do life insurance policies last, are they permanent?

It depends on the type of life insurance policy, and if you continue to make your premium payments.

The two basic types of life insurance are term life insurance and permanent life insurance.

Term life insurance is temporary, usually for 1-30 years of coverage.

Permanent life insurance provides lifetime coverage and builds cash value inside the policy.

Each type of life insurance policy remains in force as long as you pay your premiums. However, the term policy coverage expires if your outlive the term, or period, of your life insurance policy.

Learn all about term life insurance vs permanent 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.


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Friday, November 13, 2009

Life Insurance without Health Questions?

Can you buy life insurance with no medical questions asked?

Yes, there are insurance companies that offer life insurance requiring no health questions in order to qualify for coverage.

In fact, you cannot be turned down if you are within a certain age range required by the insurer.

However, the coverage is usually limited to accidental death.

But, if you have been declined for life insurance, are finding it difficult to get approved, or find affordable coverage, you may want to consider no question term life insurance.

You can get an instant quote online, apply for coverage in minutes and get started today. You may be able to purchase up to $1000,000 of coverage.

Learn more about no question term life insurance and request your free quote.

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, November 12, 2009

Life Insurance and H1N1 Flu

Are Life Insurance companies wary of the H1N1 flu pandemic?

Source: Ottawa Sun

If you’ve come down with the swine flu in recent weeks and you’re thinking about getting some life insurance, you might have to wait a while.

Some insurance companies are reluctant to provide policies to anyone who’s wheezing or coughing from what could be the H1N1 flu virus, at least not at standard rates and not while you’re still sick.

One local broker says while there hasn’t been any specific directive within his company regarding the pandemic, a person seeking a life insurance policy would have to answer a lot of medical questions. Disclosing the fact you have been treated for the H1N1 virus could send up some red flags. Read entire article.

There are many unknowns about the potential for death surrounding the H1N1 virus and the shots/treatment availability for the near term. That makes it hard to determine the potential to affect the life expectancy of an applicant for life insurance who may have the H1N1 virus.

That's why it may be best to compare free term life insurance quotes online today and apply for coverage while you and your family are healthy and safe.

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, November 11, 2009

Life Insurance for GrandMother

Can I buy life insurance for my grandmother?

She wants me to have a little money and take care of the funeral
expenses when she passes.

Yes, you can purchase life insurance on your grandmother since their exists an insurable interest between children, parents, and grandparents.

Depending on her age and health you may be able to buy term life insurance or guaranteed acceptance life insurance coverage.

In order to apply for and purchase the life insurance policy you would need her permission and cooperation.

Here's an article explaining Over 70 Life Insurance and what options for life insurance may be available for you.


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Tuesday, November 10, 2009

Life Insurance for Your Spouse

Does your spouse have life insurance coverage?

If not why?

Consider all of the things your souse does for your family and ask yourself - What would it cost to hire someone to do everything your spouse does on a daily basis?

Whether your spouse is the main bread-winner, works part-time, or is a stay-at-home parent, you may want to consider buying life insurance to protect your family in case your spouse should pass away.

Today all of us need the financial protection and security provided by life insurance.

We never know when the main bread winner in our family may pass away or lose their job, or how our family would get by without a stay-at-home parent.

Today term life insurance is very affordable with options for 10, 15, 20, or 30 years of life insurance protection at affordable rates to fit almost any budget.

You may be surprised at how affordable it can be to protect your family by purchasing term lfie insurance for your spouse.

Learn more about spouse life insurance plans and compare free quotes online now.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
In Just 15 Minutes!


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Monday, November 9, 2009

What is Infant Term Life Insurance?

Infant term life insurance is life insurance protection for a child for a specific period of time.

In addition to term life there is whole life insurance for children that offers lifetime coverage and which may build cash value inside the policy.

Infant life insurance is offered by several insurers, including Gerber Insurance and Globe life and Accident insurance Company.

Infant life insurance plans can be very affordable, and usually there are no medical exams required to qualify for coverage.

Learn more about Infant Term 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.


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Sunday, November 8, 2009

Whole Life Insurance vs Term Life Insurance

What is the difference between whole life insurance and term life insurance?

Whole life insurance provides lifetime coverage and builds cash value inside the policy from which you may be able to take out a loan at some point in the future.

Term life insurance provides short term life insurance usually for 30 years or less. There is no investment or cash value inside the policy.

Term life policies are usually offered for 10, 15, 20, or 30 years of coverage.

Term life usually costs 2-3 times less than whole life insurance since it is temporary.

Many people choose term life insurance because it allows then to buy a lot more life insurance for less money.

Learn more about Permanent life insurance vs term 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.


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Saturday, November 7, 2009

What Kind of Life Insurance Should I Buy?

I only want to buy enough life insurance to pay for my burial. What kind should of life insurance should I buy?

Well, if the goal is to cover your burial, and you know that eventually you're going to die, you may want to consider several things:

1. How much will a $10,000 whole life insurance policy cost you, if you live for 20 more years?

2. How long would it take you, paying yourself that premium amount, to have that much money some type of savings account, to pay for your burial expenses?

3. How old are you?

4. How soon do you plan on dying?

If you're very young and healthy, the smart thing to do is just save $50 a month, and in four years, you've got the money for your burial expenses.

If you're very old and/or very sick, the premiums will be high enough that you're basically just prepaying your burial anyway, plus the commission.

It comes down to your age, health, and how soon you may die as to what type of life insurance to purchase in order to pay for your burial.

Some reports indicate a burial and related expenses may cost up to $6,5000 or more.

In addition, you may want to leave money to pay for any other outstanding debt you have, such as, your credit card debt and loans you haven't paid off yet. Also, you may want to leave money to pay your estate taxes and money for your family members.

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

Globe Life has been insuring the loves of Americans since 1951 and they are rated "A+" Superior by AM best for financial strength.

Learn more about 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.


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Friday, November 6, 2009

Life Insurance Companies No Exams

What life insurance companies offer life insurance with no medical exams required?

The answer depends on your life insurance needs.

Many life insurance companies will not require you to take a medical exam if you are purchasing less than $100,000 of life insurance, or you are under a certain age.

However, there are several life insurers that do offer no medical exam life insurance, including HSBC, Liberty Life Insurance, Garden State Life, Gerber Insurance, Mutual of Omaha, Stonebridge Life, and Globe Life and Accident Insurance Company, among others.

When comparing plans for no exam life insurance make sure you consider the amount of coverage you need, what you can afford to pay, and the financial strength rating of the insurance company.

Also, make sure you determine of the coverage is "Graded Benefit", which means you do not have full coverage until you have owned the policy for 1-2 years, depending on your life insurance policy.

Here's an article that reviews life insurance companies no exams required to help you better understand your choices.

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, November 5, 2009

Is There No Exam life Insurance for Seniors?

Yes, some insurers do offer Senior No Exam Life Insurance policies.

If you are looking to purchase senior life insurance coverage without having to take any physical exams it may be possible.

Your ability to get no exam life insurance will depend on several factors, including your age and health, the insurance company, and the amount of coverage you need.

Some leading insurance carriers that may offer senior no exam life insurance include Globe Life, Stonebridge Life Insurance, and Mutual of Omaha.

In addition, rates for no exam life insurance tend to be higher than you may pay if you had to take a physical exam to qualify for your life insurance policy.

And, the amount of life insurance available to you without a medical may be limited to around $30,000 or less, depending on the insurance company.

Here's an article explaining senior no exam life insurance and how you can request your free quote on the internet.



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Wednesday, November 4, 2009

Top 10 Life Insurance Companies

Where can I find a list of the top 10 life insurance companies?

Each year the Insurance Information Institute issues a report showing the largest life insurance companies in terms of individual life insurance policies issued for term life insurance, as well as the other types of life insurance plans available.

The Insurance Information Institute is located at www.iii.org and you can research all of the helpful consumer reports on life insurance and all types of insurance coverage available on their site.

For your review here is a list of the Top 10 Life Insurance Companies that shows their company name and financial strength rating.

You can also request free term life insurance 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.


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Tuesday, November 3, 2009

Life Insurance without Blood Tests?

Can you buy a life insurance policy without taking any blood tests?

Yes, you may be able to buy life insurance without any blood tests required.

In fact there are now available life insurance plans with no physical exam, no blood tests, and no urine tests required. However, they do require you to answer a few health questions.

Why choose no blood test life insurance? many people have a fear of needles, drawing blood, or even visiting doctors.

Whatever your reasons, you do have the option available for life insurance with no blood tests.

However, you should know that the premiums may be higher than for life insurance that does require you take a blood test and physical exam.

In addition, the amount of life insurance offered may be limited to $500,000 or less.

Learn more now about term life insurance no blood tests.

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, November 2, 2009

Age Limit on Life Insurance with No Exam?

Is there an age limit on no exam life insurance policies?

Yes, there may be age limits that apply to life insurance plans with no medical exam required.

The age limits may vary by life insurance company.

Some insurers may limit the amount of coverage available, the term of your policy (10, 15, 20, or 30 years), and the age up to which you may purchase the life insurance plan.

Some insurers limit the age to 85, others at age 78 and under, and some insurers that offer higher amounts of coverage may limit the age to 65 or 60 years old.

However, the age limit may depend on the term of the policy. For instance, some people may be able to purchase a 20 year term policy with no exam at age 50, while others may be able to purchase a 10 year term policy at age 60.

Here's a review of some life insurance no medical exam plans for you to learn more about your options.

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, November 1, 2009

Learn about Smoker Life Insurance Plans

Where can i compare smoker life insurance plans online?

There are many life insurance websites offering free quotes for smokers life insurance.

Among some leading quote providers are AccuQuote, Insweb, Eterm, Efinancial, and Termfinder.

These quote providers have access to a network of life insurance companies which can provide you with free, instant quote comparisons of the most affordable rates.

However, make sure you compare several quotes because rates vary between insurance companies, and some insurers specialize in insuring the lives of smokers.

In addition, there are term life insurance no exam plans which require no medical exam, just a few health questions. However, rates are usually higher than for life insurance requiring a physical.

Also, you may save money is you quit smoking. Some insurers will offer you a better rate once you have been smoke-free for 1-2 years.

If you are a smoker when you buy your life insurance, and then you quit smoking, you may request a re-rate of your policy and the insurer may adjust your premiums. However, they may make you take a blood and urine test to verify your smoke-free condition.

Learn more about smoker life insurance plans and how you may save money on your life insurance if you smoke.

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


AddThis Social Bookmark Button