Monday, May 31, 2010

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.

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Sunday, May 30, 2010

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.

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Saturday, May 29, 2010

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.

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Friday, May 28, 2010

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.

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Thursday, May 27, 2010

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.

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Wednesday, May 26, 2010

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.

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Tuesday, May 25, 2010

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.

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Monday, May 24, 2010

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.

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Saturday, May 22, 2010

What is a life insurance policy?

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

In exchange for premium payments, upon the death of an insured person, the face value of the life insurance policy is paid to the person/ persons named as beneficiary of the life insurance policy.

Learn more life insurance terms and how life insurance works.

Friday, May 21, 2010

How overweight can you be for life insurance?

I want to buy life insurance but I'm overweight. Is there life insurance for people who are overweight?

Yes, there are life insurance companies that offer life insurance for overweight people.

However, depending on your height-to-weight ratio, you may or may not qualify.

When underwriting your application for life insurance, insurers will consider several factors including your age, gender, health family health history, occupation, hobbies, driving record, whether or not you smoke, and your height-to-weight ratio, among other factors.

The heavier you are, the lesser your chances of qualifying for a life insurance policy.

However, one way to find out who may offer you coverage, and how much it may cost you is to request free life insurance quotes online. That way you only spend a few minutes to find out what your coverage would cost, and which insurers might offer you life insurance.

If declined, there are guaranteed acceptance life insurance plans that offer up to $30,000 of simplified life insurance with no medical exam required.

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Thursday, May 20, 2010

What is the Cheapest Life Insurance?

What is the cheapest term life insurance and what do you have to go through in order to get it?

The cheapest type of life insurance is term insurance which provides temporary life insurance coverage for a set number of years.

Usually term life is offered for 10, 15, 20, or 30 years.

Since rates are lower for a shorter term of coverage, 10 year term life insurance rates would be lower for a 10 year term, than you would pay for a 15 or 0 year term life policy.

Level term life insurance is the most popular type of term life plan. level term provides level rates and coverage amount for the entire term of your life insurance policy.

Here's how you can compare free, instant term life insurance quotes online and receive the lowest rate quotes from over 70 leading life insurance companies with no hassles.

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Wednesday, May 19, 2010

Term Quotes Life Insurance Companies

How do I request and compare term life quotes from several life insurance companies to help me find the most affordable plan?

You can compare free quotes on the internet by visiting a life insurance quote provider that has access to a network of leading life insurance companies.

When you visit the insurance site, you fill out a quote request form which asks you some basic questions about your personal insurance needs and financial goals.

Then, you instantly receive up to 12 life insurance quotes from a network of more than 70 leading life insurance companies. There's no obligation and no delays.

You can choose term life insurance plans for a period of 10, 15, 20, or 30 years of coverage, depending on your age and health.

Once you review and compare the rates and plans, you can request an application for your life insurance policy.

Here's how you can get your Term Quotes Life Insurance Companies and compare low rates for term life insurance coverage from highly-rated insurers in just minutes.

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Tuesday, May 18, 2010

Where is the best place to buy term life insurance online?

I am trying to shop for term life insurance and want to compare rates and plans online from several life insurers.

I'm really just looking for a starting point. I want to be able to take my time and look at quotes without getting bombarded with a million phone calls.

One place to try is Efinancial. They are a life insurance broker online that provides you with access to instant life insurance quotes from their network of more than 70 top life insurance companies.

You fill out one form one time and instantly receive up to 12 of the lowest rate quotes for term life insurance from more than 70 life insurers.

If you have any questions or need any assistance they have a toll-free number, or you can email them for immediate answers to your questions.

Once you choose the plan that's meets your needs, you can request an application for life insurance coverage.

They even offer term life insurance no exam required, just a few health questions. This offers you the option of applying for life insurance and buying your policy direct online. You can even start your life insurance plan the same day if you qualify.

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Monday, May 17, 2010

Life Insurance for My Parents?

My sisters and I are planning to buy life insurance for my parents.

Being new at purchasing life insurance, I think we may end up just getting term life for my dad because of his age and health.

My dad has health problems - diabetic. I'm not sure how life insurance works, so any suggestions or advice would be appreciated.

When shopping for life insurance make sure you consider how much life insurance you need, what type, how much you can afford to pay, and how many years life insurance is needed.

In addition, consider the financial rating of the insurance company, the higher the rating the better the insurer, usually. The ratings are provided with your online life insurance quotes in most cases.

Since your father has diabetes, you may want to review this article about Life Insurance for Diabetes to learn more before buying coverage for him.

In addition, here's an article that review the best life insurance for seniors - to help you learn more and compare life insurance plans and rates online, with no obligation.

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Sunday, May 16, 2010

Life Insurance and Quitting Smoking?

What happens if your quitting smoking?

Can they tell that on your physical for life insurance?

Life insurance companies will ask you on your application for a quote and coverage whether or not you smoke. You should always tell the truth so they don't possibly decline any claim for coverage if you die.

The life insurance company may also require you to take a physical exam, blood and urine tests when you apply for your life insurance policy, depending on your age, the amount of life insurance requested, and the insurance company.

Usually, the life insurance exam will check for nicotine in your system when they perform the blood and/or urine test. Follicle tests can also be used to check for nicotine or continine in your system.

If they find out you smoke when you said you don;t on the application for coverage, the insurance company may change your rate to a higher rate, or decline your life insurance request altogether for lying about it.

You may want to compare rates and plans for term life insurance for smokers to help you find the most affordable life insurance from the highest rated life insurer.

In addition, there are life insurance plans that do not require any physical exam, blood or urine test.

You can get an instant quote and apply online in minutes. You may qualify for up to $500,000 of term life insurance no exam required, just a few health questions. Once approved, you can start your life insurance the same day.

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Saturday, May 15, 2010

Can Grand Parents Buy Life Insurance for Grand Children?

How old does a child have to be to require parental consent on life insurance?

My father in law has decided to take out a life insurance policy on our son who is only four months old.

He does not have his social security number or our consent on the life insurance policy.

He is the sole beneficiary and the policy is in the amount of 25 thousand dollars. I have multiple questions on the situation.\

1. How old does a child have to be to require parental consent on a life insurance policy?

2. Is this legal in the state on Arizona?

3. Can I cancel this policy if I find the company that he is using?

I understand that his son died at a young age and that if it was intended as a gift it is acceptable.

A life insurance policy on a child can be issued at birth.

Parental consent is not needed as long as there is a legal insurable interest. Grandparents have Insurable Interest in their own grandchildren.

Yes, it is legal.

No, you cannot cancel the life insurance policy. Only the policy holder can cancel the life insurance plan.

Grandpa does not need the child's social security number or your consent to buy life insurance on his grandson.

Grandparents, great-grandparents, legal guardians, and siblings age 18 or older can take out a child policy without parental consent and be both the policy owner and the beneficiary of the life insurance policy.

Grandparents have insurable interest on their grandchildren and hence can take insurance policy without the consent of the child's parents.

Here's how to learn more about Grand Child Life Insurance plans.

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Friday, May 14, 2010

Life Insurance and Smoking?

I want to get life insurance on my husband and myself.

When it asks have you ever smoked, should I say no if we don't currently smoke?

How will they know? We smoke electronic cigarettes (smokeless) so I don't know what to tell them. I don't want to pay a lot more since we aren't smoking cigarettes.

Also, it asks have you had a DUI citation and we both have but it was 10 years ago.

Do I have to disclose this - I mean will they find out? Any other information or advice you can give me will be beneficial.

You should always answer all questions truthfully on an application for life insurance coverage. The insurance company can contest payment, and deny coverage on your life insurance if they find out you lied.

The insurance company will be testing you for nicotine. If you have any nicotine in your system, it will be picked up, and if you say "no" for smoking, they'll flat out decline your application. Or, they may charge you the smoker rate for coverage.

Yes, they can find out about the DUI, also, and most likely they will find out when reviewing your application for life insurance. They can check your driving record.

But more importantly, if your husband gets hit by a truck next year and dies, are you OK with it, if the insurance company doesn't pay out? Because they can - and will - check to see if you lied on the application (that's called fraud), and if you DID lie, it voids your coverage.

The bottom-line is don't lie on your application for life insurance because it may result in you either being denied for life insurance, or your life insurance coverage not paying out on a claim when you or your husband die, because you lied, and misrepresented yourself on the application.

Here's how you can compare term life insurance for smokers and request free, instant rate quotes to help you find the most competitive prices for your life insurance policy.

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Thursday, May 13, 2010

No Med Exam Term Life Insurance?

What is a no med exam term life policy and who offers coverage?

No med term life plans are temporary life insurance policies for a term of 10, 15, 20, or 30 years.

The do not require you to take any physical exam, blood or urine test in order to qualify for your life insurance policy.

This type of life insurance may be good for you if:

1. You want to buy life insurance without any hassles or delays.

2. You have a fear of needles or blood.

3. You only need up to $500,000 or less of life insurance.

4. You don't want to deal with high pressure sales pitches from life insurance agents.

5. You are comfortable with making purchases online.

No med exam term life insurance is available on the internet from several life insurance companies, including RBC Express Term, Globe Life Insurance, and other carriers.

Here's how to learn more, compare plans, and request your free life insurance quotes online for no med exam term life policies.

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Wednesday, May 12, 2010

Where can I get a life insurance policy for a parent with heart problems?

We're in Virginia and my mom had a heart attack and is 58 and a non-smoker.

I have been through the expenses of death with my father and cannot bear to go through this four and five figure expense unprepared again.

Where can I find a life insurance policy for a high risk person to help pay for burial, funeral, and other related final expenses?

There are burial insurance plans that offer simplified life insurance without any medical exam required.

In addition, if you cannot find life insurance for your mother anywhere, you may want to buy a guaranteed acceptance life insurance policy. These types of life insurance plans may be expensive, and provide a small amount of life insurance. in addition, full death benefits may not be available until your mother has had the life insurance policy for 1-2 years - depending on the insurer.

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Tuesday, May 11, 2010

Applying for Life Insurance with Diabetes?

Underwriting is asking my wife when she was first diagnose with diabetes for her life insurance.

Though these questions can be found by looking in her medical records, is having diabetes longer or recently help your chances of getting life insurance?

The date diabetes was diagnosed may not affect your wife's acceptance for life insurance.

She will probably qualify for life insurance - it's the Rates that the underwriter has to figure out, and that will depend on what Type diabetes you have.

They want to know if she's Type 1 or 2, and if they compare how long she's had it, what her weight is, and what her A1C levels are, that will be crucial.

Why does it matter? For example: If you have type 1, since you were 4, but aren't overweight, and have "normal" A1Cs, you're going to live longer than if you've got type 2, weigh 400 pounds, and have A1C levels in the double digits.

It's part of the whole picture - you can't just look at one aspect.

Now there are several life insurers with more experience and information, who are better able to review the risks associated with diabetes, so you may have a better chance of qualifying for quality, affordable life insurance coverage if you have diabetes, and manage your risk properly.

Here's how to learn more about Life Insurance for Diabetes and compare quotes and plans form several leading life insurers.

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Monday, May 10, 2010

Term Insurance for 50 and Older

Can a person 50 or older find affordable term insurance rates and plans?

Actually, term insurance for people over 50 is available, and the rates are usually much lower than you might pay for whole (permanent) life insurance if you are age 50 or over.

Over 50 term insurance may offer you options of 10, 15, or 20 year term life policies.

However, since life insurance acceptance and rates are based on your life expectancy, someone 50 or over may find it difficult to buy a term life insurance plan offering coverage for a 30 year term.

The lowest priced term insurance for someone over 50 would be a 10 year term policy, and the rates would increase with the increase in term for 15 or 20 year plans.

One way to compare rates for all terms available for a term insurance policy for people 50 or over is to request free quote comparisons online from several leading life insurers.

Here's how you can learn more about Over 50s Life Insurance and request your quotes for term insurance for 50 and older.

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Sunday, May 9, 2010

Term Life Insurance without Medical Exam?

Can a person buy a life insurance policy for term insurance without having to take any type of medical exam?

Yes, there are life insurance policies which offer coverage without requiring a physical exam.

In fact, no exam life insurance policies require no physical exam, no blood tests, and no urine tests.

However, with these types of life insurance policies you are asked a few health questions so the insurance company can decide if you qualify for the life insurance.

The benefits of a no medical exam life insurance plan include:

1. Instant approval if qualified.
2. Up to $500,000 of life insurance.
3. No medical exam needed.
4. No need to meet with an agent.
5. "A" rated life insurance protection.

There are some drawbacks to a no exam life insurance plan, such as, the rate you pay may be higher than you might pay for life insurance that requires a full medical examination.

Also, the amount of life insurance available for you to purchase may be limited to around $500,000 or less, depending on your age, health, and the insurance company.

You can request your free instant quote for term life insurance without medical exam online now and find out if you qualify.

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Saturday, May 8, 2010

Life Insurance for Homeowners?

What is the name of the insurance that I am wanting?

My husband and I are homeowners.

I want to purchase the type of life insurance that - in the event that one of us dies - the insurance will PAY OFF our mortgage. What is this insurance called?

It's called mortgage life insurance. This is a type of life insurance for homeowners that provides the money you need to pay off the outstanding mortgage on your home if you should die.

You can buy a separate mortgage life insurance policy for both you and your spouse.

Mortgage term life insurance can provide level rates and coverage for up to 30 years so you or your spouse will have the money you need to pay off the mortgage if you die before the loan is repaid.

Here's how to get Mortgage Life Insurance to protect you family and your home.

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Friday, May 7, 2010

What is only death benefit life insurance plan called?

Life insurance that provides only a death benefit, and no investment, is called term life insurance.

Term life insurance provides temporary life insurance protection and builds no cash value inside the policy.

That means, if you die while your life insurance policy is "In Force", your beneficiary would receive the death benefit from your life insurance policy, which is the face amount of your plan.

For instance, if you have a 10 year term life insurance policy for $250,000 and you die after 3 years, your family (beneficiary) would receive the $250,000 face amount of your life insurance plan.

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Level Term Life Insurance Rates

How can I compare the lowest rates on term life insurance?

The quickest and easiest way to compare low rates on term insurance is to request free, instant quote comparisons online.

How does it work?

1. You visit a life insurance quote provider website online.

2. Fill out a quote request form.

3. Receive up to 12 of the lowest quotes for term life insurance from a network of more than 70 leading life insurance companies.

When you receive your free quotes, you will see:

1. The life insurance company names.

2. The type and amount of life insurance quoted.

3. The life insurance premiums offered,

4. The financial ratings of the insurance companies.

Here's how you can compare low cost level term life insurance rates online from several leading life insurance companies online in minutes.

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Thursday, May 6, 2010

Can you buy multiple life insurance policies?

Yes, you may be able to buy more than one life insurance policy.

Life insurance companies ask on the application if you own other life insurance, and if so, how many policies and for how much life insurance?

The reason life insurers ask this question is to determine if you are over-insured, as this might be an incentive to end your life so your family would receive the life insurance. In most cases, life insurance policies have a 2 year suicide exclusion clause, which varies by state.

However, there are life insurance companies that offer you life insurance even if you own other life insurance policies.

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I'm looking to buy Life Insurance for me and my grandmother together. Which insurance company offers that?

You may be able to buy survivorship life insurance for two people if you were married, or maybe business partners.

However, I do not know of life insurance policies that insure a grandchild and grandparent, together.

That means, you may need to buy separate life insurance policies for both you and your grandmother.

For your grandmother you may want to compare the best life insurance for seniors to find the most affordable plan that provides the life insurance protection your grandmother needs.

In addition, depending on your age, you may want to compare life insurance quotes and plans to find affordable life insurance at the lowest rates from the highest-rated insurance company.

NEW! Here’s How to Buy up to $500,000 of Term Life
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Wednesday, May 5, 2010

Has anyone found an affordable life insurance with no health exam?

My father needs life insurance and has health problems.

He needs something with low monthly payments, but will provide enough if he has a natural death.

Most of the time, with Term Life Insurance, you can get a reasonable sized life insurance policy with no health exam required.

It all depends on what state you're in, but its always true that term insurance will get you a much higher payout for a much lower fee than permanent life insurance.

For term life insurance there's no payout if you don't die within the term you choose.

There are no exam life insurance plans available. The type and amount of coverage available will vary by insurance company, and your age and health.

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

In addition, there are other life insurance no health exam plans available that may offer higher amounts of coverage depending on your father's health and age.

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 much would I pay a month for $100k life insurance?

I'm trying get $100,000 in life insurance. How much do you think I would have to pay a month?

The price you pay for $100,000 of life insurance could be anywhere from $5 a month, to $500 a month, depending on several factors, including your age, your health, and the exact type of life insurance policy.

Term life insurance usually costs a lot less than whole life insurance.

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

In addition, several factors affect your premiums for life insurance, including your age, gender, health, family health history, occupation, hobbies, driving record, height-to-weight ratio, if you smoke or not, etc.

One way to determine how much your life insurance plan will cost per month is to compare free life insurance quotes online. That way you can find the lowest prices from over 70 leading life insurers in just minutes, 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, May 4, 2010

Cheapest Life Insurance for a Smoker?

What's the cheapest life insurance policy for a smoker?

There are two basic types of life insurance Term and Whole.

Term life insurance provides temporary life insurance for 1-30 years. Term life builds no cash value inside the policy, it is not an investment, but pure life insurance protection. That's why it usually costs a lot less than whole life insurance.

Whole life insurance provides lifetime coverage, builds cash value inside the policy, and costs more than term life insurance.

Term life insurance provides coverage for 10, 15, 20, or 30 years.

Many families and young people who smoke choose level term life insurance because it offers guaranteed level rates and coverage for life insurance for up to 30 years.

Here's how to compare the smoker affordable term life insurance rates 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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Monday, May 3, 2010

How much life insurance cost?

What does life insurance cost?

It depends on your health, age, occupation, if you smoke and a few other things.

It also depends on what kind of plan you want. Term life insurance is cheap. Whole life and Universal Life is expensive and not an investment.

Term life insurance provides coverage for 10, 15, 20, or 30 years and offers the most life insurance protection at the lowest price.

Your life insurance cost will depend on the life insurance company, type of life insurance, your age, gender, health, family health history, occupation, hobbies, if you smoke or not, driving record, height-to-weight ratio, among other factors.

One way to find out how much life insurance costs is to request free life insurance quotes online. That way you can compare up to 12 of the lowest quotes for life insurance from over 70 leading insurers in just minutes.

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, May 2, 2010

Does term life insurance require a medical exam?

If you are shopping for a term life insurance policy you may be wondering if you have to take a physical exam, blood and urine tests.

Some of us just hate the idea of drawing blood, fear needles, or don't have the time for a physical examination.

Although most life insurance companies require a medical exam, especially if you are buying $100,000 or more of life insurance, you may have other options available.

Today, there are insurers offering life insurance coverage without requiring a physical exam.

In fact, you may be able to qualify for up to $500,000 of term life insurance without any medical exam, blood or urine tests.

Although these plans may cost more than a life insurance policy requiring a physical, you may be able to start your life insurance policy today.

Here's how to learn more and get your term life insurance no exam policy online today. it only takes about 15 minutes or less to find out if you qualify for your term life insurance policy.

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


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Saturday, May 1, 2010

What factors are used to determine life insurance premium rates?

There are several factors that are used to determine your premium rates for life insurance.

Among the main factors considered for developing life insurance rates are your age, gender, health, family health history, occupation, hobbies, driving record, if you smoke or not, height-to-weight ratio, etc.

Basically, a life insurance company uses your information you provide on the application and the results of your physical exam to determine how long they expect you to live. The longer you are expected to live, the more money the insurer will receive in life insurance premiums.

If you are expected to live a long time, your rates will be lower. That's why life insurance rates are lower for younger people and those who don;t smoke, since smoking can lead to health problems, including emphysema and lung cancer.

One way to save money on your life insurance is to compare term life insurance quotes from several highly-rated life insurance companies to help you find the most competitive rates for your life insurance policy.

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


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Disclosure: Compensated Affiliate