Is it possible to get some good life insurance on a 72 year old woman?

Where can I look and what do I need to be aware of?

Yes, you may be able to find over 70 life insurance for a 72 year old woman.

When shopping for life insurance for someone over 70 make sure you consider compare plans and rates from several life insurance companies.

Also, review the financial ratings of the insurance companies you consider, the higher the rating, the better.

In addition, some life insurance companies offer graded life insurance for seniors, which means there is not full coverage until the insured person has owned the life insurance policy for at least 2-3 years, depending on the policy and the insurance company.

Some life insurers offers seniors no exam life insurance which may cost more than life insurance that requires a physical examination.

Here's how you can learn more about finding the best life insurance for seniors and compare life insurance rate sand plans online for someone over age 70.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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American Term Life Insurance Companies

How can I find leading American term life insurance companies?

If you're searching for the top term life insurance companies in the US you don't have to look far.

Each year, The Insurance Information Institute (III.org) issues a report that shows you the leading issuers of individual term life insurance policies in the U.S.A.

However, when comparing rates and plans for term life insurance, you may want to consider the financial strength rating of the insurance company, as well.

In addition, rates can vary by insurance company, so make sure to compare term life insurance quotes from several highly-rated life insurers before choosing a policy.

Here's how you can review a list of top American term life insurance companies and request your free term life insurance quote comparisons online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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When you buy a life insurance policy as "no physical" do they check for nicotine only or no nicotine either?

My question has nothing to do with lying about whether or not you smoke, when applying for life insurance.

I am asking does NO PHYSICAL mean that a life insurance policy purchased as such, does or does not include nicotine testing.

Life insurance plans with no physical exam required, usually means there is no medical examination, no blood test, and no urine test.

So, that would mean there is no nicotine testing when you buy life insurance without a physical exam.

No exam life insurance plans usually cost more than life insurance requiring a physical, and the amount of life insurance available may be lower, for instance, limited to $250,000 or less.

Here's how you can get a free quote online to help you find the best price no physical exam for life insurance.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Looking for Life Insurance?

I'm looking to get life insurance without medical exam for my mom. She asked me if I could get life insurance on her because I'm the only son that has a full time job and that she can trust to get things done right when she passes away.

Yes, a person can buy life insurance on their mother because parents and children have an insurable interest in one another.

There are insurers that may be willing to offer life insurance on your mother without any exam. However, acceptance for life insurance will be based on your mother's age, health, and other factors which may include whether or not your mother smokes, her height-to-weight ratio, her occupation and hobbies, driving record, etc.

One type of life insurance that may be available is term life insurance with no exam required, just a few health questions. Your mother may qualify for up to $250,000 of term life insurance for a period of 10, 15, 20 or 30 years of life insurance, depending on her age and health.

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

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Insurance without any Medical Exam,
Just a Few Health Questions.



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Fixed Term Life Insurance Quotes

If you're shopping for term life insurance you may want to consider fixed term life insurance.

Why? Because, fixed term life insurance provides you with the comfort of knowing your premiums and life insurance coverage are fixed for the entire length of your life insurance policy.

With fixed term life insurance you can choose coverage for a period of 10, 15, 20 or 30 years of protection.

Fixed term life insurance provides you with guaranteed level rates and coverage that stay the same each year of your life insurance plan.

Fixed term life insurance also offers some of the most affordable life insurance protection which means you can afford to buy more life insurance to provide financial security for your family.

You can request free fixed term life insurance quote comparisons online and compare the lowest rates from over 70 leading life insurers in just minutes. There's no delays and no obligation.

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My parent wants me to get a life insurance policy out on him. Is this possible?

And if so what information would I need?

My father is sending me his medical transcripts and everything. I just didn't know if I can start a life insurance policy on him with his permission.

You'd need his consent, his permission, and his cooperation - and insurable interest, of course. There does exist insurable interest between a father and son/daughter.

Your father may need to sign the application for life insurance coverage, release his medical records, fill out the application, and submit to a paramedical exam (blood, urine, saliva samples), for the underwriters to establish the cost.

There are some life insurance policies that do not require any physical exam, blood or urine tests. These plans are called life insurance with no medical exam required, just a few health questions.

To start the process you could request free life insurance quotes online and compare some of the lowest prices from over 70 highly-rated life insurance companies with no obligation.

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Any life insurance company that don't require medical exams?

I'm trying to buy life insurance for me and my 49 yr old mother.

What is the best life insurance company that doesn't raise premiums and doesn't require exams?

Life insurance that does not raise premiums is whole life insurance providing lifetime coverage and level premiums. However, you may or may not be able to find no exam life insurance providing lifetime coverage.

Level term life insurance provides premiums that remain the same each year for 10, 15, 20 or 30 years.

There are term life insurance no exam policies that may be available for you and your mother. There are no physical exams required, but there are a few health questions.

Several insurance companies offering no exam life insurance include Liberty Life Insurance, Garden State Life, Colonial Penn and Globe Life Insurance.

Life insurance plans requiring no exam may limit the amount of life insurance available from $10,000 to $250,000. In addition, no exam life insurance coverage usually costs more than life insurance which may require you to take a physical exam to qualify.

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

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

In other words, she is 54 years old and has fibromyalgia, she is in constant severe pain, she takes many very strong pain medications. I need to find a cheap, quality, life insurance for her.

Finding a cheap life insurance policy for some over 50 with a health condition may be difficult.

In addition, finding life insurance not based upon health will limit your options to term life insurance with no exam required or guaranteed acceptance life insurance.

Term life insurance with no exam may offer up to $250,000 of life insurance without requiring any physical examination, just a few health questions.

Also, Globe Life Insurance offers people age 78 and under up to $30,000 of simplified life insurance without any medical exam.

Another option may be accidental death insurance which offers up to $1,000,000 of life insurance protection with no medical exam and no health questions. However, the insured person must die as a result of an accident in order for the beneficiary to receive the proceeds of the insurance policy.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What is the best life insurance to get for my parents?

I keep getting the gut feeling that I need to get life insurance for my parents.

Is that possible? If so, which company is the best?

Yes, it is possible to buy life insurance for your parents.

In order to buy life insurance on another person, or persons, there must exist an "Insurable Interest". Basically, you must possibly suffer a financial loss if the person you want to insure were to die.

However, an insurable interest does exist between spouses, parents and their children, spouses, and business partners.

So, children can buy life insurance on their parents.

One way to find out what may be the best life insurance plan and insurance company is to compare free life insurance quotes online from over 70 highly-rated life insurance companies. It only takes a few minutes, and there's no obligation.

In addition, there are life insurance no medical exam policies that offer you the choice of buying life insurance for your parents without your parents having to take any medical examination in order to qualify for coverage.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Can a marijuana user get life insurance?

Is it possible to get life insurance if you smoke marijuana?

Most life insurance companies would not offer coverage to an applicant that smokes illegal drugs.

However, today there are legal medical marijuana prescriptions for people with a medical condition that qualifies.

Some insurers may provide life insurance coverage for people using a medical marijuana prescription. One way to find out which insurers may offer life insurance for someone who smokes marijuana is to compare term life insurance quotes online and apply for coverage.

When applying for life insurance make sure you answer all questions truthfully on the application to make sure coverage is not denied due to a material misrepresentation.

In addition, there are life insurance plan that offer life insurance with no medical exam required, just a few health questions. You can get a quote, apply online in minutes, and usually find out if you qualify for coverage the same day. Once approved, you may start your life insurance immediately.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Where can I get life insurance daughter who has Cystic Fibrosis?

You may want to consider a low value guaranteed issue life insurance policy like Gerber or Globe Life Insurance for children offers.

Guaranteed issue individual life insurance will insure almost anyone who comes along, with no medical examination, and few or no medical questions.

These guaranteed life insurance policies should not be confused with "simplified issue" or "quick issue" individual life insurance, which do ask some medical questions but also will not require an examination.

Make sure you do the math to figure out how much you might have to pay out for the guaranteed issue life insurance policy over a period of 5, 10 or 15 years. Cumulative premiums paid over the long term may exceed the face amount of the life insurance policy. So, over time you may pay more premiums than the amount of life insurance that may be paid out in case of death of the insured person.

In addition, guaranteed issue life insurance policies always have "graded benefits" provisions. A graded death benefit stipulates that the life insurance policy pays out only a portion of the death benefit if the insured person dies within the first several (1-3) years of the policy. This provision is put in to thwart someone from getting a policy when they have been given two or three months to live. Insurers could not offer this type of policy without a graded benefit provision.

Here's how to learn more about guaranteed issue life insurance plans and request a free quote online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Compare Best Life Insurance Rate Quotes

How can I compare the best rates on life insurance?

Usually, the best rates on life insurance are term life insurance, depending on your age.

Term life insurance is usually less expensive than whole life insurance because it offers temporary coverage for 10, 15, 20 or 30 years. Whereas, whole life insurance provide lifetime coverage.

You can compare term life insurance quotes online by visiting a quote provider website and filling out a quote request form.

Life insurance quote providers may have access to a large network of up to 70 or more life insurance companies. So, when you request your quotes, they may give you up to 12 of the lowest life insurance quotes from top-rated life insurers.

There's no obligation to compare life insurance quotes online.

Here's how you can compare some of the best life insurance rate quotes online from multiple, highly-rated life insurance companies with no hassles.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Buy Life Insurance Policy for My Husband?

Can you tell me what kind of life insurance policy should I buy?

I want to get a life insurance policy for my husband but I don't know anything about insurance.

I want something that I won't really have to pay much for right now, but that will give me a lot of money when he dies. What is the best?

The lowest cost life insurance is usually term life insurance which provides temporary coverage for 10, 15, 20, or 30 years. It is not an investment, but pure life insurance protection. It builds no cash value inside the policy. If you husband is alive after the term of the life insurance policy ends, his life insurance coverage expires.

Whole life insurance provides lifetime coverage but usually costs a lot more than term life insurance, and it may build cash value inside the policy over time.

Many young families and couples consider 20 or 30 year level term life insurance because rates remain the same each year and the amount of life insurance stays the same as well. Since term life insurance costs less than whole life insurance, it means you may be able to buy more life insurance protection for your family, while you need it most.

Here's how to learn more about how term life insurance works and request your free term life insurance quotes.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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The Best Free Life Insurance Quotes Site?

What is the best free life insurance quotes / rates site online?

The simpler it is and the faster it is to get information from, the better. Thanks.

There are several quality life insurance quote providers online that have access to a large network of leading life insurers, and have been providing life insurance quote comparisons online for several years.

Among some of the better life insurance quote providers online are Efinancial, Termfinder, and AccuQuote.

Basically, you answer a quote request form, then you receive up to 12 of the lowest life insurance rate quotes from up to 70 or more highly-rated life insurance companies instantly.

By comparing rates on life insurance from many leading insurers you may find the lowest prices from quality, financially secure insurance companies.

Here's how to learn more and request your free life insurance quotes online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Life Insurance under $50,000?

Is it possible to get a life insurance plan that is under 50,000 dollars?

Yes, it may be possible to buy less than $50,000 of life insurance.

When comparing life insurance quotes online many quote providers offer free, instant quotes for $50,000 or more of term life insurance.

However, there are some life insurance companies that specialize in offering lower amounts of life insurance protection.

Many of these smaller policies are used to provide money for burial, funeral, and other final expenses. In addition, life insurance plans under $50,000 may be offered to seniors who need a smaller amount of life insurance protection.

Several life insurance companies including Globe Life Insurance, colonial Penn, and Mutual of Omaha offer smaller amounts of life insurance coverage.

For example, Globe Life Insurance offers people age 78 and under up to $30,000 of simplified life insurance coverage without any medical examination. You can get a quote and apply online for your life insurance.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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How much is a $15,0000 life insurance policy?

The cost of $15,000 of life insurance may vary from $10 per month to more than $50 per month depending on the type and amount of life insurance.

In addition, other factors may affect the price including your age, gender, health, family health history, occupation, hobbies, if you smoke or not, your height-to-weight ratio, etc.

Also, the minimum amount of life insurance offered by many insurers is $50,000, so the price for a smaller amount of life insurance, such as $15,000 of coverage, may be higher than expected when compared to the price for larger amounts of life insurance.

You can compare free life insurance quotes online and find out the lowest prices from over 70 leading life insurance companies for life insurance ranging from $50,000 of coverage up to $1,000,000 or more.

Some life insurers like Globe Life and Accident insurance Company, Colonial Penn and Mutual of Omaha specialize in providing smaller amounts of life insurance for seniors, with no medical exam required.

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

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Life Insurance for Homeowner?

Would it be a good choice for homeowners under 25 to acquire a life insurance?

Yes, if you own a home and have an outstanding mortgage, you may want to consider buying life insurance to pay off the mortgage i you die.

If you have a wife and/or children, you may want life insurance to provide money to pay off the mortgage and provide for living expenses for your family in case you die.

The sooner you buy life insurance the lower your rate, since life insurance rates are based on your age and health, among other factors.

If you lock-in a low rate now, you can get 30 year level term life insurance that guarantees the same rate and amount of life insurance for 30 years. This can help to guarantee there will be money to pay off the mortgage in the future, especially if you get married and start a family.

Learn more about term life insurance for homeowners and how you can compare life insurance rates and plans online from several leading life insurance companies.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Any cheap life insurance for diabetics?

Where I can get good cheap life insurance? Both my husband and I are diabetic.

Whether or not you both qualify for cheap life insurance as diabetics depends on the insurance company, and your age, health, height-to-weight ratio and how you manage your diabetes.

Many life insurance companies in the past would not insure diabetics. However, now that more information is available about the proper management and medication available for diabetes, life insurance companies may be willing to insure diabetics for life insurance.

One way to find out is to compare rates and plans for Life Insurance for Diabetes online from several highly-rated life insurance companies.

That way, you can find out which insurer may offer you the most affordable life insurance plan.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Best Life Insurance That's Cheap for Smokers?

What's the best life Insurance place to go to that's good and cheap with high coverage amounts, but also good for a smoker?

The cheapest type of life insurance for smokers or non-smokers is term life insurance.

Term life insurance is the cheapest because it provides temporary life insurance for 10, 15, 20, or 30 years. Also, since it is pure protection, providing life insurance and no cash value build up inside the policy, it costs a lot less than whole life insurance.

Some life insurance companies specialize in providing competitive rates for smokers for their life insurance.

One way to find the most affordable rates on smoker life insurance is to compare term life insurance for smokers online and find the lowest rates from over 70 leading life insurance companies.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
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Do Single People Need Life Insurance?

I am single, childless, parentless, siblingless. Do I need life insurance?

If I have debts and a mortgage, if there is no family to have to settle it what happens?

My friends are telling me that even if I have a will with an executor, (not filed with the state) there is no obligation on their part to pay off my debts if they are not family.

Debt is not inheritable. Not even for family members. Your kids don't have to pay off your debt, and your parents or siblings don;t either.

If you die with debts and a mortgage, all your assets get sold, to pay off the debts.

If you have a will, anything left over, after all of your debts are paid - including your funeral costs and final medical costs - would get distributed according to the will.

If you don't have a will, then a judge hires an estate administrator, who gets paid out of your estate, and who sells all your stuff to pay off your debts, and if there is anything left over, the judge distributes it according to state law.

If you don;t have anyone who relies on you for financial support, you may not need any life insurance coverage.

However, if things change and you get married, buy a home, start a family - in the future, and you get sick, you may be unable to qualify for life insurance when you need it most.

Learn how term life insurance works and what it can do to protect you for up to 30 years.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What is the best life and burial insurance companies?

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

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

Actually, you may be able to find life insurance that provides the coverage you need to pay for burial expenses and provide life insurance protection, as well.

By comparing free term life insurance quotes online from several life insurers you may find the most affordable plan from a highly-rated life insurer.

Term life insurance provides low cost life insurance protection for 10, 15, 20, or 30 years.

Burial insurance may provide lifetime coverage but smaller amounts of protection at a higher price, without requiring any medial exam.

Since you have insurable interest in your family members, you may be able to buy life insurance for your family.

Here's how to learn more about family burial insurance and compare rates and plans online.

In addition, you can learn about low cost family life insurance and find out if that meets your life insurance needs for your family.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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How much mortgage life insurance is needed?

How do you determine how much mortgage life insurance you need?

If you want to provide protection for your family to help pay off your mortgage if you die, consider the amount of your mortgage.

What is your outstanding mortgage loan and for how many years will you be paying on your mortgage?

Then, consider a life insurance plan to protect your family for that time-frame, and amount of protection.

For instance, if you have a 30 year mortgage for $250,000 then you may want to consider a 30 year level term life insurance plan for at least $250,000 of coverage.

That way, if you die during the 30 years, your family would receive the $250,000 of life insurance death benefits and could use the money to pay off the outstanding mortgage.

Here's how o learn more about mortgage life insurance and compare plans and rates from several highly-rated insurers online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Finding Mortgage Life Insurance Protection Online?

How can I find mortgage life insurance protection online?

You can start by visiting a website that provides information about life insurance options available that help you to protect your mortgage.

Mortgage life insurance protection will provide the money your family needs to help pay off your outstanding mortgage loan in case you die.

That means, mortgage life insurance can help your family stay in the home they shared with you and created some many happy memories.

Today, many families choose to purchase level term life insurance with a term of 30 years of coverage to provide the life insurance protection needed to pay off the mortgage.

When comparing mortgage life insurance plans online make sure you review the financial strength ratings of the insurers, compare rates from several highly-rated life insurance companies, and get coverage for a long enough time-frame to protect the entire period of your mortgage loan.

Here's how you can learn more about finding mortgage life insurance protection online and compare rate quotes from multiple insurers with no obligation.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What life insurance companies will offer policies for people with Type 2 diabetes?

You may want to contact a local licensed independent life insurance agent with access to a network of life insurance companies, some of which may specialize in insuring high risk individuals.

It's impossible for anyone to recommend one company over another without knowing your health history. Either way, the insurance company may require blood work, a physical examination, and they will obtain your medical records from your doctor for review.

It is possible life insurance companies may offer coverage to someone with type 2 diabetes, but that would depend on your health, family health history, height-to-weight ratio, occupation, hobbies, if you smoke or not, driving record, and how you manage your diabetes, among other factors.

Here's how you can learn more about Life Insurance for Diabetes and compare life insurance plans, rates, and insurance companies.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What is the best life insurance company in the the USA?

is there one best life insurance company in the USA, and if so which insurance company is it?

There's really no one best life insurance company because there are many that have strong financial ratings and offer good rates and customer service.

Also, some life insurers specialize in insuring certain types of applicants so you may find a better rate from a life insurer not noted as one of the top insurers in all cases, but who specializes in life insurance for diabetics, for instance.

However, each year the Insurance Information Institute issues a report showing the Top 10 life insurance companies by category, such as, the top issuers of individual term life insurance policies by premium amount.

In addition, you can visit AM Best Company to review the financial strength ratings of life insurance companies in the US to find some of the top life insurers.

When comparing life insurance companies make sure you consider the financial strength rating, the premiums quoted, the type and amount of life insurance available, the customer service of the insurer, and if any complaints have been filed against that insurer in your state through the Department of Insurance.

Here's how to review the Top 10 life insurance companies and request life insurance quote comparisons online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What are the advantages to buying life insurance online?

Where can I compare our life insurance quotes and what are the advantages of buying life insurance online>

First, you can compare life insurance quotes online from a life insurance quote provider like Efinancial or Termfinder which has access to a large network of life insurance companies. You just fill out a quote request form and receive up to 12 of the lowest term life insurance quotes from over 70 highly-rated life insurance companies.

Advantages of buying life insurance online may include:

1. No need to meet with an agent.

2. Instant life insurance quote comparisons.

3. Apply online for your life insurance in minutes.

4. Find out if you qualify while you wait.

5. Start your life insurance policy today, if qualified.

In addition, there are life insurance plans online which offer no medical exam, just a few health questions. That way, you don;t have to take any physical exam, blood or urine test.

Here's how you may qualify to buy life insurance online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Life Insurance No Medical Online

What is life insurance with no medical and how can I get coverage online?

Life insurance with no medical is a type of life insurance plan that does not require you to take a physical exam in order to qualify for coverage, but there are usually a few health questions.

Yes, you may be able to get no medical life insurance coverage online by requesting a quote, applying for a policy, and finding out if you qualify. Once approved, you may even use your credit card to pay for your first month;s premium and start your life insurance protection today.

Usually, no medical exam life insurance plans have a limited amount of coverage, for instance, up to $250,000 of life insurance.

In addition, the rate you pay for this type of life insurance may be higher than you might pay for a life insurance plan that does require you to take a physical.

Here's how to learn more and request your quote for life insurance no medical online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Best Life Insurance with No Medical Exam?

What is the best life insurance plan with no medical exam needed?

That depends on which no exam life insurance plan you qualify for, and what are your life insurance needs?

The best no exam life insurance plan is the one that meets your life insurance needs, fits your budget, and for which you qualify.

Although there are life insurance plans you may buy without an exam, they do ask you a few health questions to determine if you qualify.

No exam life insurance plans may offer limited amounts of life insurance and higher rates than offered by life insurance plans requiring a physical exam.

Several life insurers offer graded benefits plans that are no exam life insurance coverage but the full benefits are not available until after you live at least 2-3 years.

Then there are no exam life insurance policies that offer higher amounts of life insurance coverage with full benefits from the start of the life insurance policy.

Always answer all life insurance application questions truthfully, so the insurance company does not decline to pay out on your life insurance policy if you lied on the application for coverage.

Here's how to learn more about finding the best life insurance with no medical exam and compare plans online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Best Life Insurance Rates for a Senior Citizen?

Where can a senior citizen find the best life insurance rates?

I live in the U.S. and I am not a very wealthy man and so I would really need to find the lowest rates for my life insurance policy.

I am healthy and I do not smoke or have any other unhealthy habits, so which life insurance company do you think could get me the best life policy rates?

The best life insurance for a senior citizen offering the lowest rates will vary by individual.

Why? Because, rates for life insurance vary by company based on their rating and underwriting guidelines.

In addition, there are several factors a life insurance considers when you apply for life insurance to determine your acceptability and the rate to charge you.

Among the factors used for developing your life insurance rate are your age, gender, health, family health history, occupation, hobbies, driving record, if you smoke or not, and height-to-weight ratio, among other things.

That's why it's important to compare life insurance rates and plans from several different highly-rated life insurance companies when you shop for your life insurance policy.

Here's an article that reviews the best life insurance for seniors.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Compare Cheap Life Insurance Quotes Online

How can I find cheap life insurance quotes online?

The quickest and easiest way to get cheap life insurance quotes online is to visit a life insurance quote provider with access to a large network of life insurance companies offering instant quote comparisons.

Several life insurance quote providers are Efinancial, Termfinder, and AccuQuote.

When searching for cheap life insurance quotes, make sure you compare rates for term life insurance which is much less costly than whole life insurance coverage.

Term life insurance provides you with life insurance protection for a period of 10, 15, 20, or 30 years, depending on your life insurance needs.

Here's how you can compare up to 12 of the lowest, cheap life insurance quotes online from over 70 top-rated life insurance companies in just minutes, with no obligation and no hassles.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What is the best term life insurance with no exam?

The best term life plan without an exam is the one that meets your life insurance needs, and fits your budget.

When comparing plans for life insurance with no exam be sure you understand that these plans may offer a limited amount of life insurance coverage. In addition, the rates you pay may be higher than you might pay for a life insurance policy requiring a physical examination.

Some insurers may offer up to $250,000 of life insurance without any physical needed.

However, these no exam life insurance plans may ask you a few health questions. Always answer the questions truthfully, so the life insurance company does not deny coverage to your beneficiary if you die as a result of an undisclosed health condition.

Several life insurance companies offer no exam life insurance plans including Globe Life Insurance, Garden State, and RBC Insurance.

Term life insurance with no exam may offer you life insurance protection for a term of 10, 15, 20, or 30 years depending on your age and health.

Here's how you can learn more and request your instant quote to help you find the best term life insurance with no exam required.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

After 70 what kind of life insurance to buy?

What type of life insurance may be available for someone over 70 years old?

There are term life insurance plans and whole life insurance plans.

However, the type and amount of life insurance available to someone over 70 may depend on your age, health and other underwriting factors, including results of a physical examination.

There are several life insurance companies that may offer life insurance to people over 70, including Globe Life Insurance, Mutual of Omaha, Colonial Penn, and Stonebridge Life, among others.

For example, Globe Life Insurance offers people 78 and under up to $30,000 of life insurance with no medical exam required, just a few health questions.

Learn more about Over 70 Life Insurance and how you can compare life insurance rates and plans online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance with Pre-Existing Condition?

Is it possible to buy a life insurance policy if you have a pre-existing health condition?

Usually, you can compare life insurance quotes online from several life insurance companies in order to find out if any insurers would offer life insurance coverage to you if you have a health problem.

However, you may or may not qualify for life insurance depending on your age, and health.

In that case, you may want to consider a term life insurance no exam policy which offers life insurance coverage without any physical exam, blood or urine tests required, just a few health questions.

However, if you are declined for life insurance through the above options, you may only qualify for guaranteed acceptance life insurance which offers a graded death benefit the first 2-3 years. That means, you have to live for at least 2-3 years for the full death benefit to be paid out to your family (beneficiary) upon your death.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

How to Find Good Life Insurance Companies?

What are some very good life insurance companies?

I want to get dependable life insurance at affordable rates.

One way to find reliable life insurance companies is to look for insurers with high financial strength ratings of at least "A" excellent, or better from a rating agency like AM Best Company.

Financial ratings are an indication of the insurer's ability to meet their financial obligations, and pay their claims.

When you compare term life insurance quotes online from several life insurers, the rate quotes provided usually show the financial ratings of the insurers, as well as, the type, amount and prices of the life insurance policies quoted.

Here's a list of the Top 10 life insurance companies for you to review and request your free life insurance quotes online.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance and Heart Disease?

Where can I get good life insurance with heart disease 3 years ago?

I had open heart surgery in 2006 and I need some affordable life insurance.

Whether you qualify for life insurance may depend on the insurance company, your health, age, height-to-weight ratio, the medication you are taking, and your overall health condition.

Some life insurance may have guidelines that restrict or deny coverage for people who have had open heart surgery in the recent past.

However, one may to find out is to request and compare free term life insurance quotes online to find out what may be the lowest rate quotes from over 70 leading life insurance companies.

Another option may be term life insurance with no medical exam required, just a few health questions. However, coverage may be limited to about $250,000 and the rates may be higher than you might pay for life insurance requiring a physical examination.

If you are declined for life insurance, you may want to consider guaranteed acceptance life insurance that offers a limited amount of life insurance, no medical exam, and higher rates.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Best Life Insurance for Senior?

What life insurance is best for a senior 62 year old female, on a fixed income, AARP or Landmark Life?

My mom and I looking at life insurance and don;t understand much about the premiums and the small print on determining the rates.

Just need help in determining which is better AARP or Landmark Life? I see two very different charts that have us concerned if we made the right choice with the one paying more to get less coverage over a ten year period.

Actually, both of the above mentioned plans may have you paying more for your life insurance coverage than the protection provided depending on how long your mother lives.

That means, you may or may not be better off by taking the money you would pay for the life insurance policy and investing it rather than buying the life insurance policy. Over 10 years or more, it may grow to a larger amount than the life insurance death benefit provided by the life insurance policy.

In addition, you may want to learn more about life insurance for people over 60 and what options are available that may provide more life insurance coverage for your mother at a lower rate.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

How to Buy Life Insurance No Medical Online?

Is it possible to buy life insurance online without having to take any medical examination?

Yes, there are life insurance plans available which allow you to apply online for life insurance coverage without any medical required.

However, these plans usually ask you a few health questions, and it is important to answer all questions truthfully on your life insurance application.

In addition, the amount of life insurance available without a medical may be limited to $250,000. And, the rates may be higher than if you were to apply for a life insurance policy that did require you to take a physical.

You can get an instant quote online, and apply for your no medical exam life insurance policy in minutes.

If you qualify, you can even pay using your credit card and start your life insurance policy today.

Here's how to get your life insurance no medical online policy.





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What term life insurance policy should I get for a 60 yr old man?

My father is 60 years old, a smoker and taking Zocor, and is average weight.

The life insurance quotes I have seen for a 10 yr term for $150,000 are $180 a month.

Does that seem right? Anyone know a cheaper life insurance plan? Basically I inherit the house while my relative gets the cash, so it's all fair. I would make the payments and leave my relative as the beneficiary.

A one year term life insurance would be cheaper - but the price is only guaranteed for one year. Then if you renew the coverage the rate will increase each year.

If you're looking for life insurance for a 60 year old, at the same price as a 30 year old, it doesn't exist.

Life insurance rates increase with age, and your health condition.

You may want to consider a 20 year level term life insurance plan, or a policy that lets you renew at the current rate.

Your father may live to be 100, but if he keeps smoking, the odds are that he will not make it to 80. His chances of living until 70 are fairly good, If you have to renew in 10 years, the rate will be higher. That's why a 20 year term life plan may be something to consider.

First, ask yourself, why does he need life insurance? The most common reason to purchase life insurance is to protect the income stream for surviving beneficiaries.

If nobody is dependent upon your father's income, it doesn't make much sense to purchase life insurance. Why not place the money that would be spent on life insurance into a mutual fund or some other investment each month?

However, you can compare free term life insurance quotes from several leading life insurance companies to find the lowest rate from over 70 top insurers to help you save money on your father's term life insurance policy.

Here's an article that review life insurance for people over 60 to help you learn more about your options for life insurance for your father.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Cheap Life Insurance for Diabetics?

Where can I find cheap life insurance for a diabetic?

My father is 49 yrs old and he got "diagnosed" as diabetic about 10 yrs ago.

Where might I find cheap life insurance for him?

Finding cheap life insurance for a diabetic may not even be an option. Life insurance for diabetics has been limited in the past due to insurer's view of diabetes as a health risk.

However, more recently, several life insurance companies may offer life insurance coverage to people living with diabetes, depending on the diabetic's health, type of diabetes, how the diabetes is managed, the person's height-to-weight ratio, age, and other diabetes-related factors.

One way to find out more about your options for diabetes life insurance is to review this article on Life Insurance for Diabetes and request your free life insurance quotes.

If you are declined for coverage you may want to consider AARP/ New York Life, Mutual of Omaha, Colonial Penn, or Globe Life Insurance. These insurers offer a limited amount of life insurance and simplified underwriting with no physical.

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

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Cheap Burial Life Insurance Rates?

How can I find cheap burial life insurance rates?

Burial life insurance rate quotes are available on the internet.

There are several life insurance companies that offer burial insurance plans for seniors, adults, and children.

Among the leading providers of burial life insurance plans are Globe life, Colonial Penn, and Mutual of Omaha.

Usually, burial life insurance plans offer you a simplified life insurance application process, a limited amount of life insurance, and there's no physical exam required to qualify for coverage.

In order to find the lowest rates on burial insurance you may want to compare rats and plans from several life insurance companies before choosing your policy.

Here's how to find cheap burial life insurance rates online and apply for your coverage today.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance / Burial Insurance Question

I need advice about applying to and paying for some type of burial insurance.

This would be on behalf of my mother so when the time comes for her to leave me, I will be able to pay for her funeral.

I just want to know that I can pay into something so upon her passing I will be able to pay for her funeral costs (instead of my mum taking out the insurance/policy it would be me on her behalf as she is terrible for thinking about stuff like that). I am an only child so I am solely responsible for paying the expenses for her funeral.

There are burial insurance plans that provide a limited amount of life insurance for seniors.

Usually, burial insurance offers up to $30,000 of simplified life insurance with no physical exam required to qualify for coverage.

A son can buy life insurance on his parent because you are related and have an insurable interest in your mother since you would suffer financially from her passing, having to provide for her final expenses.

Globe Life Insurance offers up to $30,000 of simplified life insurance with no exam for people age 78 and under. You can get a quote and apply online for coverage for your mother.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Which is the best life insurance policy?

The best life insurance policy depends on your goals and needs when it comes to life insurance.

What are you trying to accomplish with your life insurance policy?

Also, how long do you need life insurance, how much life insurance do you need, and what can you afford to pay.

These are all questions you should consider before trying to decide what life insurance policy may be best for you.

First, consider the basic types of life insurance - Whole Life and term life insurance.

Term life insurance provides coverage for up to 30 years and costs much less than permanent (whole) life insurance.

Whole life insurance provides lifetime coverage, may build cash value inside the policy, and premiums are higher than for term insurance.

Here's how you can compare term life insurance vs permanent life insurance to help you understand the differences and benefits of each type of life insurance plan.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Urine Test for Nicotine for Life Insurance?

Does a urine test for life insurance coverage test for nicotine?

I am applying for life insurance and they are doing a urine test. What are they testing for?

Life insurance companies usually test your urine for nicotine, illegal drugs, protein levels, kidney disease, diabetes, high cholesterol, and other health problems.

One reason they give you the urine test is to determine of you have smoked recently. It doesn't necessarily mean they will deny you life insurance, but you will have to pay a higher premium since you are more likely to die earlier, if you lied on the application and said you don;t smoke, when you have smoked.

According to the American Lung Association, "nicotine disappears from your blood stream
and your urine within 72 hours after smoking your last cigarette."

However, according to Julie Possner, a paramedical examiner with Exam
& Profile Services in Wisconsin, "Cigarettes [nicotine] will show up
many days or even weeks after use in somebody's urine. It will
probably still show up if someone has refrained from smoking for a
short time prior to the exam."

Here's how to learn more about life insurance nicotine test and find out how you may want to prepare for the testing.

In addition, there are term life insurance no exam policies that require no physical exam, no blood test, and no urine test.

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



Disclosure: Compensated Affiliate

What is a 30 year guaranteed term life insurance?

What is difference between 10 year, 20 year or 30 year term life insurance?

"30 year guaranteed term life insurance" is life insurance that you are allowed to keep (or renew) for up to 30 years with (usually) no increase in premiums.

Ten or 20 year guaranteed term life insurance policies may end after that number of years, or have a massive increase in the premiums.

Level term life insurance plans usually offer guaranteed level rates and amounts of life insurance coverage for the entire term of your policy - 10, 15, 20, or 30 years.

Here's how to compare 30 year term life insurance rates 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.



Disclosure: Compensated Affiliate

How to buy life insurance policy?

How can buy a life insurance policy?

When it comes to buying a life insurance policy, there's a few things to consider before choosing a plan:

1. What type of life insurance do you need?

2. How much life insurance is right for you?

3. What can you afford to pay?

When comparing life insurance plans and rates make sure you consider the financial rating of the insurance companies. The financial rating is an indication of the insurer's ability to meet their financial obligations, and pay their claims. The higher the rating, the better.

Also, term life insurance usually provides more life insurance protection for your money. Since it insures your life for 10, 15, 20, or 30 years, and builds no cash value inside the policy, it provides the lowest prices and the most protection.

First, you can compare term life insurance quotes online. You visit a life insurance website, fill out a quote request form, and instantly receive up to 12 of the lowest priced quotes from over 70 top-rated life insurance companies.

Then, your quotes will show you the insurer's names, the type and amount of life insurance quoted, the financial ratings of the insurer's, and the premium payment options.

If you have questions about your quotes, there's usually a toll-free number to cal and speak with a licensed professional, or email the quote provider for assistance.

Once you choose the right plan you can request your application for life insurance coverage.

There's even an option to get a quote, apply online in minutes, and buy term life insurance online with no medical exam required, just a few health questions. If you qualify, you can start5 your life insurance policy today.

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



Disclosure: Compensated Affiliate

Life Insurance and Cancer?

Is it possible to get a life insurance policy after you find out you have cancer?

I'm just curious because my grandfather died of cancer when my mom was 13, in the early 1970s, and she said that he had some kind of life insurance policy.

I'm just curious to know whether he would have organized it before or after he found out about the cancer.

It was probably life insurance he had purchased before being diagnosed with cancer.

There is a way to purchase life insurance after a diagnosis called Guaranteed Issue Life Insurance.

The policies have small face values, usually less than $20,000.

Because guaranteed issue life insurance polices do not rely on medical information to set your premiums, the cost tends to be very high.

The high premiums, combined with a low face amount for the death benefit, make guaranteed issue life insurance a less desirable option for relatively healthy individuals.

The policyholder may end up paying more in premiums over the life of the life insurance policy than the beneficiaries will receive upon their death.

In addition, these life insurance policies have "graded benefits". A graded death benefit policy pays out only a portion of the death benefit if you die within the first 1-3 years you own the life insurance policy. In the first two to three years your beneficiary might only receive a return of the premiums paid up until that time.

Here's how to learn about cancer life insurance options that may be available for people who have survived cancer.

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



Disclosure: Compensated Affiliate