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

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.

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 do I find a good price for life insurance?

I am trying to help my mother find a good life insurance policy but I am not quite sure how to go about searching the right way.

She is 50 years old and a smoker. Other than that she doesn't really have health problems and is active. She doesn't have that much money and can only afford about 30 or $40 a month for her life insurance.

The rate your mother will pay for her life insurance policy will depend on the type and amount of life insurance, the insurance company, your mother's health, occupation, hobbies, driving record, height-to-weight ratio, and her smoking, etc.

She may be able to save money on her life insurance if she is healthy, and quits smoking.

Another way to find affordable life insurance coverage is to compare life insurance rates, plans, and insurers on the internet. Since prices vary by insurance company, you may be able to save money by comparing plans from several life insurance companies.

Here's how you can learn more about over 50s life insurance and how to shop online for quality, affordable life insurance coverage for your mother.

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

Over 50s Life Insurance with No Exam

Can you buy life insurance with no medical exams if you are over 50 years old?

Today there are life insurance companies offering no exam life insurance plans to people age 78 and under.

It's okay if you are over 50, you still may be able to qualify for life insurance without taking any medical exams.

However, most insurers will ask a few health questions on the application for coverage in order to decide if you qualify.

Among the leading insurers offering life insurance to people over 50 with no exam required are Liberty Life Insurance, HSBC, Colonial Penn, Garden State Life, and Globe Life Insurance.

Make sure you consider the financial strength rating of the insurance company before choosing your policy.

Also, consider how much life insurance is available, and how many years you are guaranteed coverage, and at what rate.

Here's how you can learn more about Over 50s Life Insurance and consider your options for quality, affordable life insurance coverage.

In addition, this article explains your top choices for Life Insurance No Medical Exam required for your review.

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

What Type of Life Insurance Should Someone Over 50 Buy?

What type of life insurance should a fifty something year old female get?

If you are over 50 you may want to consider term and permanent life insurance.

Permanent life insurance can provide lifetime coverage to pay off your final expenses.

Term life insurance which costs 2-3 times than permanent life insurance can provide more coverage at lower rates, for up to 20 or 30 years.

If you want life insurance at the lowest rates, you may want to compare quotes from several life insurers to find the best price and plan.

Also, there are life insurance plans that require no medical exam, just a few health questions. If you qualify, you may start your life insurance today.

Here's an article explaining Over 50s Life Insurance to learn more and compare 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.