How do I save money on life insurance?

I think I need life insurance but I can't afford it.

How do I save money on life insurance?

I want a life insurance policy that will last until my boy's out of college, which will probably be 20 years from now.

I'm a single mom and want the cheapest policy possible that will help my boy pay for college if something happens to me.

Term life insurance is cheapest because it is temporary for 1-30 years, and builds no cash value inside the policy - it is pure life insurance protection.

Consider choosing a term life insurance policy for a term of 20 or 30 years with level premiums and coverage.

Term life offers affordable rates and provides the most life insurance protection for your money.

When comparing plans make sure you consider how much life insurance you need, what you can afford, and how many years you need coverage.

Also, compare prices from multiple insurers because rates do vary by company.

It's easy to compare plans and rates online. You can request a free term life insurance quote and compare the lowest prices from over 70 leading life insurers with no hassles.

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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Good Life Insurance for a 72 Year Old?

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?

Any life insurance coverage you can get will be very expensive in terms of premium dollars versus the benefit that will be provided by the policy.

You may be able to qualify for life insurance depending on your health, but you should consider seeing a life insurance agent to help you find the right plan.

The thing is it may cost a lot of money. Most term life insurance policies will not insure someone over age 65, so you may end up with a whole life insurance plan which would cost more.

A good life insurance company would be one rated "A" excellent or better for financial strength by AM best independent rating service. The ratings of insurance companies are usually provided when you request free quotes for life insurance.

At age 72 you may have to consider a guaranteed issue life insurance policy, like the kind Mutual of Omaha or Globe Life Insurance offers.

You have to own the policy for at least two years, before the full death benefit can be paid out.

And, the amount of life insurance coverage provided by these plans may be limited to about $30,000 or less.

Here's how to learn about finding over 70 life insurance plans and comparing rates online from leading life insurers to help you shop and save on your policy.





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Which Company to Trust When Purchasing Life Insurance?

I would like to know which company should I trust to purchase life insurance?

We would like to buy good life insurance for my in-laws. They are ages 73 and 57.

Will it be expensive to buy life insurance for them?

When shopping for life insurance coverage it's important to consider how much you need, what type is right for you, what you can afford to pay, and how many years coverage is needed.

For seniors over the age of 55 life insurance may cost more than you might expect.

Why? Because, rates for life insurance are based on several factors, including your age. The older the person, the shorter their life expectancy, so the higher their life insurance rates.

In addition, other factors affect pricing for life insurance, including your gender, age, health, hobbies, occupation, if you smoke, driving record, etc.

That's why it is important to do your research when shopping for senior life insurance plans.

Also, make sure you compare life insurance quotes from several insurance companies to help you find the best prices from leading life insurers that have a string financial rating.

Here's an article reviewing information on finding the best life insurance for seniors to help you learn more.

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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Buying Additional Life Insurance?

Should I get additional life insurance, if I have substantial coverage through my employer?

I am in my late 20's and have 2 daughters.

I have about $1 million group term life insurance coverage.

Should I go ahead and purchase an individual term life insurance policy for myself or would it be the waste? I cannot afford permanent life insurance policy due to extremely high premiums.

You need to define the exact goal you want your life insurance policy to achieve, and compare the coverage you currently have through your employer with the goal, to see if it's meets those needs.

If you leave your current employer, get fired, or your firm goes under, you may lose your life insurance benefits. And, if you get sick you may be unable to qualify for your own life insurance policy.

You may want to consider a 30 year term life insurance plan so you have protection until you are in your fifties and your daughters are grown.

Here's how to learn more about how term life insurance works and request your free, instant term life insurance quotes online with no obligation.

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



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How to Find The Right Company to Buy Level Term Life Insurance?

Does Life Insurance really pay?


How do I find the right company to buy level term life insurance?

How do I get life insurance for my family? How do I know the insurance company will actually pay the claim if something does happen?

Term life insurance is a good idea if the main bread winner dies and leaves a spouse or children with no income stream. The beneficiary listed on the life insurance to receive the proceeds (spouse and family) would receive the payout and could use it for any reason.

Life insurance is intended to help replace the income of the insured person, that way the person's family could go on living as they had and be able to pay their bills.

Make sure to choose a life policy from a highly-rated life insurer. Insurance companies are rated by AM Best Company, but most consumers, myself included, have difficulty understanding the ratings. The higher the financial rating the better able the insurer is to meet their financial obligations, for example, paying their claims.

Life Insurance only pays if there is a living person who knows where the life insurance was bought. Life insurance is only of value if you make sure that there will be a way for the survivors to find out which company to ask for the money.

Here's how to learn more and request free quotes for level term life insurance from several leading life insurance companies..

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



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Discount Burial Insurance Plans

How can you find low cost burial insurance plans?

Burial insurance provides small amounts of life insurance to help your family pay for your final expenses.

Usually burial insurance offers a simplified application process with no medical exam required.

Since there's no exam rates may be higher than for regular term life insurance plans.

However, you can compare term life insurance quotes online from several insurers to help you find affordable life insurance to provide money to pay for your funeral and burial costs.

But, if you don't want to take a physical exam, you may want to consider Globe Life Insurance which offers people age 78 and under up to $30,000 of simplified life insurance with no medical exam, just a few health questions.

Learn more about finding discount burial insurance.

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



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Household Life Insurance No Medical Exam?

Do you or anyone you know have a policy with them?

I'm 24 and applied for a 30yr $425,000 policy for $59.81/month or $652/year

They have an A- rating.

I just want to know if anyone has anything good or bad to say about this company
Household Life Insurance Company is a good company, but these "no medical exam" policies are very much a "buyer beware" type product...doesn't matter what company you buy from.

These plans have been offered online for several years now.

When shopping for the no exam life insurance plans make sure you answer all questions truthfully on your life insurance application. Since there is no exam your answers may affect whether any claim is paid out on your policy if you die.

In addition, no exam policies may cost you more than life insurance requiring a full physical exam, since the insurer may be accepting some people who might not qualify for life insurance if they did take a medical exam.


Also, there may be limitations and/or exclusions on your life insurance policy so make sure to read the fine print and get answers to any questions you have about the coverage before buying a policy.

Here's how to learn more about life insurance no medical exam plans that may be available to you.

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



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Life Insurance for Your Dad?

How do you take out a life insurance policy for your dad?


To purchase life insurance on another person you need to have an "Insurable Interest" in that person.

There exists an insurable interest between spouses, parents and children, and siblings.

That means you could buy a life insurance policy on your father.

However, when you apply for life insurance you may need the insured person (your dad) to answer some health questions, perhaps take a medical exam (if required) and sign on the life insurance application.

These requirements usually exist for most life insurance plans, but your father will most likely be aware you are buying the life insurance policy on his life.

To compare plans for life insurance on your dad you can request free life insurance quotes online and compare rates from several life insurers in minutes to help you find the lowest rates.

If you father is over fifty and you are looking for a small life insurance plan to help pay for final expense and burial costs you may want to consider Globe Life Insurance which offers up to $30,000 of simplified life insurance with no medical exam required, just a few health questions.

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



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Life Insurance for Husband That Smokes?

Can I get life insurance for my husband?

He is 37 and smokes and he's overweight.

Also, Can you buy a lot of small policies without having to have a physical?

There are life insurance companies that specialize in term life insurance for smokers which may offer more competitive rates for life insurance on your husband.

Also, there are several life insurance companies that now offer no exam life insurance on the internet.

Some life insurance carriers offer smaller amounts of life insurance with no medical exam, like Globe Life which offers up to $30,000 of simplified life insurance with no exam for people age 78 and under.

In addition, there are other insurers that offer up to $500,000 of term life insurance no exam required, just a few health questions. Coverage with no exam required is usually term life insurance for a period of 10, 15, 20, or 30 years of coverage.

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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My husband needs life insurance but has diabeties?

My husband needs life insurance with about $50,000 of coverage, but we can only afford about $40 per month.

We have been trying to fond life insurance for him but some insurers won't accept people with diabetes.

My husband doesn't take insulin. Any ideas on what life insurance he may qualify for and from what insurers?

"Cheap" and "diabetes" aren't usually in the same sentence but you should be able to find something that fits your budget, depending on the amount of life insurance available.

Two insurers that may offer diabetes life insurance include Metlife and Mutual of Omaha.

There are other insurers who may offer affordable life insurance for diabetics, but you may want to request free quotes online from several insurers to help you find the most affordable plan from a highly-rated life insurance company.

Here's how to learn more about life insurance for diabetes and request your free rate quotes today, with no obligation and no delays.

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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Compare Accidental Death Insurance Rates Online

What companies offer accidental death insurance, how much, and where can i compare rates online?

Accidental death insurance offers life insurance protection that pays out to your beneficiary if you die (usually within 60 days) of an accident that is covered by your policy.

Several insurance companies offer accidental death insurance including Globe Life and Accident, and Mutual of Omaha,.

Globe Life offers you up to $250,000 of accidental death coverage.

However, Mutual of Omaha offers up to $1,000,000 of accidental death coverage with no medical exam required and no health questions.

Here's how you can request your free, instant comparison of accidental death insurance rates online today.

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



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How Much Life Insurance Should You Buy?

How do I decide how much life insurance I should buy?

One rule of thumb is to buy an amount of life insurance equal to five to seven times your annual income.

But the real question is how much your family will need when you're gone. That depends a lot on the family and what stage of life you're at.

When you plan to buy a life insurance policy, the factors to consider when deciding on the amount of coverage include funeral expenses, education loans, any pending mortgages or debts, and the financial support your family would need in your absence.

In addition, you want to take into account your current savings and goals for your family's future - for retirement, college for the kids, etc.

Five to ten times your annual income is the normally recommended amount suggested.

However, one way to decide is to use a life insurance needs calculator to estimate your current life insurance needs.

You answer some basic questions and the term life insurance calculator gives you an accurate estimate of your life insurance needs.

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Insurance without any Medical Exam,
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How to Get Mortgage Insurance Quotes

How can I get mortgage life insurance quotes online?

You can contact a local life insurance agent in your local yellow pages to request free quotes, or use an online mortgage life insurance quote provider that has access to a network of insurers to provide you with quotes.

Mortgage life insurance can provide your family with the money needed to pay off your mortgage and help to replace your income in case you die.

Here's how to learn more about mortgage life insurance and request your free quote comparisons online from several insurers 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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How to Shop for Diabetes Term Life Insurance?

I have diabetes, how do I find life insurance quotes and compare plans for affordable life insurance coverage?

If you have diabetes you may have found it difficult to locate a life insurer offering you affordable life insurance if you can qualify for a policy.

Not all insurers offer life insurance to people with diabetes.

However, now you can quickly and easily locate those insurers that may be offering life insurance for diabetics.

Life insurance for diabetes really depends on your age, health, the type of diabetes you have, and how you are managing your diabetes.

That's why now there are insurers that specialize in insuring diabetics for life insurance, since there is a better understanding of diabetes and how to manage your diabetes with proper medication, diet, exercise, and oversight by your doctor.

Now you can visit a life insurance website, fill out a quote request form, and receive your diabetes term life insurance quotes online from several leading life insurers to help you find quality, affordable protection.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
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Buying Life Insurance without Giving Blood?

Can I buy life insurance without having to give any blood?

Whether you hate the thought of needles, or giving blood, or you just have a fear of blood or needles, you may have another option when it comes to applying for a life insurance policy.

It used to be that most people applying for life insurance had to take a physical exam which might include blood and urine testing.

Now there are other options available online that offer you the chance to apply for life insurance without taking medical exams or giving blood or urine.

If you fear needles or hate giving blood, it doesn't matter. Now you can apply for no blood life insurance policies that offer you term life insurance protection without giving a blood sample.

In fact, these plans offer up to $500,000 of term life insurance protection with no medical examination, just a few health questions.

And, if you qualify, you may begin your life insurance policy the same day you apply online. Please understand, these policies may cost more than life insurance requiring a medical exam and blood sample.

Learn more and get your free, instant quote for term life insurance no blood tests online today.

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



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Low Cost Child Life Insurance Plans?

How can I find low cost child life insurance coverage for my kids?

Life insurance rates are based on the applicant's age and health, among other factors.

That means, since kids are young, they have much lower rates for life insurance than most adults.

In fact, some life insurance plans for children offer life insurance coverage for as low as just a few dollars per month, depending on the insurer, amount of life insurance, and type of policy.

Among the better-known insurers offering child life insurance policies are Prudential Gerber, and Globe Life and Accident Insurance Company.

Here's how you can learn about life insurance for children and request your low cost child life insurance quotes online.

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



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Life Insurance for Grandma?

My grandma is looking for a good life insurance to cover her funeral costs.

Does anyone have a life insurance they would recommend that they are really happy with that is affordable like $20 a month or lower?

For your grandmother it's going to be more about who is willing to insure her life, depending on her age and health - and then, they'll tell you how much it's going to cost.

Any "A" rated life insurance company may be financially secure.

You can contact a local life insurance agent for assistance, or call life insurers direct to request a quote.

In addition, you can request free life insurance quotes online for your grandma to find out how much a policy may cost her.

Also, there are senior no exam life insurance policies that offer up to $30,000 of life insurance without requiring any medical exams.

Here's how you can learn more about funeral insurance plans to help you shop for life insurance to provide money to pay for your grandma's funeral expenses.





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Florida Affordable Term Life Insurance Plans

How can I get affordable Florida term life insurance?

Well, the most affordable life insurance plans are usually term insurance, because they offer you temporary coverage and build no cash value inside the policy.

In addition, the term of your term life plan will affect your premiums.

So, if you buy a 10 year term insurance policy it will cost you less than a 15, 20, or 30 year term life insurance policy.

In addition, factors such as your health, if you smoke, and if you are overweight, will affect your rates for term life insurance.

When it comes to finding affordable term life insurance in Florida you can contact a local agent, call insurers direct, or visit a life insurance website to request free quotes for Florida affordable term life insurance coverage.

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



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Life Insurance and Suicide?

Does life insurance pay the spouse if the other commits suicide years after they brought the policy?

If a couple brought a life insurance policy years ago, and one of them commits suicide today, will the life insurance company pay the surviving spouse.

Does life insurance pay the spouse if the other commits suicide years after they brought the policy?

If it is a standard life insurance policy (not an accident life insurance policy) and the spouse is the named beneficiary, then yes the insurance would pay the spouse the proceeds from the life insurance policy.

Suicide is only an exclusion for the first two years (one year in some states) under a standard life insurance policy (universal, term or whole life). After two years standard life policies become incontestable, and would usually pay out the death benefit of the policy.

Unless there's a suicide exclusion on the policy, once the contestable period is over, it will pay the beneficiary.

You can learn more about life insurance by reviewing these term life insurance faqs.

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



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Life Insurance Quotes with No Medical Exam?

What's the best way to get no exam life insurance quotes?

There's at least a few options available to you for comparing no exam life insurance quotes and plans.

You can look in the yellow pages and contact a local life insurance agent in your area and request quotes.

Or, you could call life insurance companies direct and ask if they offer no exam life insurance, and ask for a quote.

Another, easier option may be to visit a life insurance website on the internet which compare plans for you and offers free quotes online.

When comparing no exam life insurance policies make sure you understand that you may be paying more for this type of life insurance, since they usually have higher rate since they accept some applicants who may not get coverage elsewhere, and there's no physical exam, just a few health questions.

In addition, the amount of life insurance available online with no medical exam may be limited to about $500,000 or less.

But, if you're okay with the above limitations, there are several benefits to life insurance with no exams, including instant quotes, you can apply online in minutes, and if approved, you may start your life insurance policy today.

Here's how you can learn more, and review several life insurance with no medical exam plans and request your free quotes online now.

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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Senior No Exam Life Insurance?

Can you buy life insurance for a senior citizen without any medical exams?

Yes, there are life insurers that offer life insurance for seniors without a physical exam required.

However, some insurers have an age limit, such as, age 78 or under to qualify.

In addition, there are usually a few health questions that need to be answered to find out if the senior qualifies for a policy.

The amount of life insurance available without an exam may vary by insurer, but may be limited to about $30,000.

Here's how you can learn more and request a free quote for senior no exam life insurance coverage. You can request a free, instant quote and apply online in just minutes.

You can even apply for a life insurance policy for you and your spouse, if your married.

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



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Life Insurance Blood Test?

Question regarding life insurance blood test?

Can the life insurance company deny your application if you test positive for thc?

I was wondering if they would deny my application for life insurance if thc showed up in my blood test or urine test.

Yes, the life insurance company may decline you for coverage if your life insurance blood test results shows positive for thc in your system.

Tetrahydrocannabinol is the main psychoactive substance found in the cannabis plant. Since cannibis is illegal in most states, you may be declined for life insurance.

However, if you live in a state and jurisdiction where medical marijuana is legal and you are taking prescription medical marijuana, the insurer may offer you life insurance coverage.

In addition, there are life insurance plans that offer you term life insurance no medical exam required. There's no physical exam, no blood test and no urine testing.

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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What is a Good Life Insurance Company?

What is a good life insurance company?

My husband and I are in our late 20's and want to get a life insurance policy, but are not sure what company is good. Which are the leading life insurance companies?

It depends on the type of life insurance you need and what state you are located.

However, each year the Insurance Information Institute releases a list of the leading life insurance groups in the US. The list is based on the amount of life insurance premiums written by the companies in the previous year.

Here's a list of the top 10 life insurance companies and their financial ratings for your review.

In addition, you may want to learn about life insurance financial ratings and compare free quotes from several A rated life insurance companies before choosing your life insurance policy.

But first, you can take a look at this article that explains the benefits and drawbacks of term life insurance vs permanent life insurance so you can decide which type of life insurance may be right for you.

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







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Cheap Term Life Insurance Rates?

What are some tips for finding cheap rates online for term life insurance protection for my family?

If you're looking for low cost term life coverage, make sure you consider the following tips to help you save money on your policy:

1. Shop for rates from several insurance companies.

2. Choose a term - 10, 15, 20, or 30 years.

3. Decide how much life insurance you need.

4. Consider the financial ratings of the insurers before choosing a carrier.

5. Quit smoking of you smoke. rates are lower for non-smokers.

6. Buy life insurance while you are young and healthy.

7. Consider term life insurance which usually costs a lot less than permanent life insurance.

Here's how you can compare cheap term life insurance rates online from multiple insurers in just minutes. There's no obligation and no delays.

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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Do Life Insurance Policies Cover Accidents?

Do life insurance policies cover accidents or only those policies that have an Accidental Death and Dismemberment rider?

Life insurance policies do cover accidents. If you own a life insurance policy and you die as a result of an accident, your life insurance policy would pay out the proceeds to your beneficiary.

The accidental death clause (an additional rider/ endorsement to the policy) in a life insurance policy is a benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident.

In double indemnity, twice the face value of the life insurance policy is paid to the beneficiary if death occurs as a result of an accident.

Accidental death caused by war, aviation, except as a passenger on a regularly scheduled airline, and illegal activities is generally excluded from this coverage.

Here's how you can request your free term life insurance quotes online and compare prices for life insurance coverage including an accidental death rider.

Or, you can learn more about accidental death insurance and how that type of life insurance policy works.

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







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Life Insurance Premums and Anti Depressants?

Do antidepressants affect life insurance premiums?

The answer depends on the life insurance company you contact for coverage, and your personal health and history of use of the antidepressants.

Most life insurance companies have a set of underwriting guidelines for whether or not they will accept you for life insurance coverage, and what rate they will charge you for your policy.

Among the factors affecting your rate for life insurance are your health, family health history, driving record, height-to-weight ratio, use of prescription drugs, use of illegal drugs, age, gender, occupation, hobbies, and whether or not you smoke, etc.

The healthier and younger you are the lower your rate for life insurance, usually.

Use of antidepressants is a sign of a health issue that may affect your rate and approval for life insurance.

However, depending on how long you have been taking the prescription, and your health, you may be able to qualify for coverage.

One way to find out how much it may cost you for a policy is to request your free term life insurance quotes online.

There's no obligation, no hassles, and it only takes a few minutes to receive your quote comparisons from several leading life insurers.

In order to get the most accurate rate quotes, make sure you answer all questions truthfully on the quote request form.

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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State Farm Life Insurance?

Does State Farm life insurance company drug test for life insurance?

Actually, most life insurance perform some form of drug testing for life insurance depending on their underwriting guidelines and your answers on the life insurance application form.

Some life insurers require a medical exam and drug testing for anyone requesting $100,000 or more of life insurance protection. Or, if you have indicated that you used drugs in the past, or currently use drugs.

It's important to answer all questions on your life insurance application honestly so your life insurance coverage is not denied due to any material misrepresentation - for instance, if you were to die as a result of chronic drug use within 2 years of buying your policy and you said you never did drugs on your application.

However, there are life insurance companies that offer life insurance with no medical exam required.

Some insurers offering no exam life insurance include American Life Policy, Liberty Life Insurance and Globe Life Insurance.

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







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Life Insurance for Elderly Parent?

Life insurance for an elderly parent?

I want to buy some life insurance for my dad. He is 59 years old and he lives in an assisted living facility. Is there an affordable life insurance policy that I can buy for him?

You may have several options for life insurance for your father.

There are term life insurance plans which may offer coverage for up to 20 years or more depending on your father's health.

In addition, you may want to consider guaranteed issue life insurance plans from companies like Globe Life Insurance, Stonebridge Life or Mutual of Omaha.

With guaranteed approval life insurance plans the insured person usually needs to live at least 1-2 years before the life insurance policy pays out the full amount of coverage.

Here's how you can learn more about life insurance for elderly parent.

Also, consider buying your own life insurance coverage. You can compare free life insurance quotes online in minutes.

Just like health insurance, or the lottery, once your number comes up, it's too late to buy it at a good cost. So start planning for your own life insurance now.

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







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Life Insurance Quotes?

Life insurance quotes please?

Ok, I've called quite a few insurance companies over the past few days but its hard to compare all their rates... it gets confusing!

Is there a website that gives you rates from different companies on the same page? Help please!

Yes, there are several life insurance web sites that offer free quotes from multiple companies on the same page.

When comparing rates make sure to consider how much life insurance you need, for how many years, and what you can afford to pay.

Also, your rates will show the financial rating of the insurers quoted. The higher the ratings the better able the insurer to meet pay their financial obligations.

Term life insurance is quoted online from website quoting services.

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

Here's how to request your free, instant term life insurance quotes online and receive up to 12 of the lowest rate quotes from over 70 leading life insurance companies.

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







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Life Insurance with Mental Disability?

Where can I get life insurance for a person with a mental disability?

I need to get life Insurance for my husband (42 yrs. old) who has a mental disability.

We had life insurance for him before, but when he got sick, and had to leave his job, we ran into hard times.

I was the only source of income at the time, and it was only enough for the basic necessities in life. I couldn't keep the payments on his insurance. We waited months to hear something from Social Security Disability, and by that time I had lost his life insurance policy.

Depending on your husband's specific mental disability he may be able to get an offer for life insurance from several insurance companies.

You may need to consider a guaranteed acceptance life insurance plan which will give limited life insurance coverage for the first 2-3 years and full coverage after that but you will end up paying a high premium for this type of life insurance policy.

Other options for your husband's life insurance coverage may be Prudential, United Home Life or Guaranty Trust Life Insurance.

If you need more life insurance coverage, another option might be accidental death coverage that provides up one million of life insurance protection. However, the payout is only for death as a result of a qualifying accident.

Here's how you can learn more and request free accidental death insurance quotes online.

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



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