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.



Disclosure: Compensated Affiliate

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.



Disclosure: Compensated Affiliate

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.

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

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.

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

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.

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

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.

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

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.



Disclosure: Compensated Affiliate

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.



Disclosure: Compensated Affiliate

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.



Disclosure: Compensated Affiliate

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.



Disclosure: Compensated Affiliate