Do I need a Medical for Life Insurance, Legal – General, no medical life insurance.

#No #medical #life #insurance


Life insurance – no medical?

Customers are often unsure if a medical examination is required when applying for life insurance, and why it could be important. We hope the information below will make it clearer.

IS A MEDICAL EXAMINATION REQUIRED WHEN APPLYING FOR LIFE INSURANCE?

It depends on the individual, their circumstances, and the amount of cover applied for but in our experience, a medical examination is not always required.

When you apply for cover we ask you questions about your health and lifestyle, and based on this and the amount of cover requested we can decide if a medical is required or not. For the majority of cases no medical is required if you are in good health and you’ll be offered cover on our standard life insurance terms.

However sometimes a medical examination is required to help us assess your application and to provide you with an accurate quote.

If we do ask you to attend a medical examination, this may be with a doctor or insurance trained nurse, we will pay the costs of any examination we requested.

WHAT FACTORS CAN AFFECT THE PREMIUM?

The premium we quote you is affected by a number of factors. These include the amount and type of cover requested, as well as other factors such as your age, occupation, smoker status and your health. Your height and weight, alcohol consumption and hobbies are also taken into account.

The older you are the higher the basic premium is, so it can make sense to take out life insurance at a young age.

IS IT IMPORTANT TO ANSWER THE QUESTIONS CORRECTLY?

It’s vitally important that you answer all the questions as accurately as possible when applying. If you die because of a medical condition that you didn t tell us about when applying, then your insurance policy could be cancelled and not pay out in the event of a claim.

Whilst applying you’ll need to provide certain information so it’s a good idea to have the following to hand:

  • details of your medical history including dates and the names/dosage of any medication
  • up to date height and weight measurements
  • your dress/trouser size
  • details of your immediate family’s medical history

WHY BUY LIFE INSURANCE?

Life insurance can help protect your loved ones financially if you’re no longer around to provide for them. It’s designed to pay out a lump sum if you die during the length of your policy. Premiums start from only 6 a month, so why not take the first steps in protecting your family and get a quote today!


How Much Does Life Insurance Cost? Get Average Price, Trusted Choice, compare life insurance prices.

#Compare #life #insurance #prices


Life Insurance Cost

Compare life insurance prices

The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice В® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

Factors That Affect Your Life Insurance Costs

  • Age: Overall, life insurance rates increase as you age.
  • Health profile: Do you have any chronic conditions? Do you smoke?
  • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
  • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
  • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

The Average Cost of Whole Life Insurance

The following average costs were calculated using the following assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want monthly “level pay” (same payments for the duration of the policy).

The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

The Average Cost of Term Life Insurance

The following average costs were calculated using these assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want to pay monthly for a 20-year term policy.

Compare life insurance prices

Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

Does Life Insurance Cost More in Certain Regions of the U.S.?

There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

Some factors that may be taken into account to calculate your life insurance costs in your region include:

  • Whether there is a high rate of obesity in your state or region
  • If the area experiences a high rate of deadly natural disasters, such as earthquakes
  • If the region is prone to certain diseases, such as black lung disease typical in miners
  • If the state or region has a high mortality rate due to crime
  • How many policies have been written in that area

Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

How to Lower Your Life Insurance Costs

Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

  • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
    • Get a body mass index (BMI) check done
    • If you have a high BMI, work with a health professional to lose excess weight
  • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
    • Get an annual physical
    • Regularly check your blood pressure, cholesterol, and triglyceride levels
    • Work with a health professional to improve your numbers, if needed
    • Reduce stress, improve your diet and increase exercise
  • Manage your blood sugar to reduce the risk of diabetes.
    • Request a blood sugar test
    • Obtain a diet and exercise plan to help manage blood sugar levels

In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.


Best and worst car insurance companies in South Africa, reputable life insurance companies.

#Reputable #life #insurance #companies


Best and worst car insurance companies in South Africa

Reputable life insurance companies

Carinfo.co.za has conducted a comparison analysis of all the known insurance companies in South Africa.

The car market information site took the most recognised car insurance companies in the country and divided them into two groups based on size.

Discovery came top of the list for 2015 in the big company category, followed by Outsurance, and MiWay.

Among the small companies, AA Insurance came out tops, followed by Momentum, Alexander Forbes and Mutual Federal.

It must be stressed that Carinfo.co.za s comparison is based on subjective comments received on the Hellopeter.com website.

Carinfo.co.za said it ranked the companies based on the number of complaints each one received on Hellopeter in each of 5 categories billing/accounts, repairs/servicing, feedback/response, call centre, and breach of contract.

It then created a point system to find out which company was best.

Carinfo.co.za noted that it assessed the kinds of complaints that each company received in five different categories.

The selection of the categories was based on two key factors: where the most complaints were made, and which issues are critical to customers.

In each of these five categories we looked for the insurance companies that had the least number of complaints, and based on that gave out points.

The company with the lowest percentage of complaints in each category was the ‘winner’ of that category, and received the maximum 5 points. The company with the next lowest amount of complaints received 4 points and so on.

If companies were ranked equally Carinfo.co.za gave them the same number of points.

It was important to also take into account the number/percentage of compliments or positive reviews that the companies received, it said.

The company with the highest percentage of compliments received 10 points, going down to 1 point for the lowest percentage.

The results for all the companies were as follows:

Reputable life insurance companiesAmong the small insurance companies it found the following:

Reputable life insurance companiesUsing the five metrics among big companies, Carinfo.co.za found the following:

Reputable life insurance companiesThe full article can be found at Carinfo.co.za


Selling Your Life Insurance Policy, Coventry Direct, buying life insurance.

#Buying #life #insurance


When Selling Your Life Insurance Policy Makes Sense

If you re like many Americans, you may have purchased life insurance to protect your family or business and provide financial security when it was needed most. But as circumstances change, your insurance priorities may have changed with them, which is why selling your life insurance policy can make sense.

Here are a few important reasons why you may want to consider a life settlement:

  • Your life insurance policy is too expensive to maintain.

If your premium payments have continued to increase, your policy may no longer be affordable.

  • You have more life insurance than you currently need.

    As your circumstances and need for financial protection change, you may want to reduce the overall insurance you own.

  • You need help with increasing medical or long term care expenses.

    Selling your policy can help cover your immediate needs.

  • Increasing your retirement funds will increase your peace of mind.

    The proceeds from the sale of your policy can help boost your savings and supplement your retirement income.

  • You still want to keep a portion of your life insurance, but would like to eliminate the premiums.

    You can sell part of your policy, eliminate costly premium payments and maintain a portion of your coverage.

  • “The ability to sell their policies as a life settlement enabled policyowners to receive an amount more than four times greater than what they would have received had they surrendered their policies to their insurance companies.”

    London Business School Study, June 2013

    June had taken out a long term care policy years ago to help her family cover her medical expenses. She could no longer afford the premium payments on the policy. June did some research and learned she may be a candidate to sell her life insurance policy. June was able to sell her policy for $65,500 and use that money to continue paying premiums on her long term care policy.

    Does my policy qualify?

    If you are interested in selling your policy, please call us at 1.800.COVENTRY to complete the Life Settlement Qualifier. We are available to assist you.


    Compare Cheap Life Insurance Quotes, MoneySuperMarket, life insurance quote uk.

    #Life #insurance #quote #uk


    Life Insurance

    Offer ends 4th Feb

    Choose from these retailers once you’ve made your 3rd payment:

    Life insurance quote uk Life insurance quote ukLife insurance quote uk

    Compare cheap life insurance quotes

    We compare the leading life insurance policies with prices starting from just £5 per month

    We’re here to help you get the protection you need

    What is life insurance?

    Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

    Why should I take out life insurance?

    Life insurance is a vital part of financial planning for anyone who has dependants.

    By ‘dependants’, we mean anyone whose circumstances and material wellbeing would be affected by your death – for example, your partner, your children or anyone else who is financially reliant on you.

    Thinking about your death and its inevitable impact on your family’s circumstances is difficult – and many people simply shy away from the topic. But not doing anything could put loved ones at financial risk. That’s why it’s important to confront the issue and take out life insurance.

    How does life insurance work?

    In most cases, the most effective form of life insurance is called ‘term’ insurance.

    This type of policy pays out an agreed amount – the ‘sum insured’ – either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’.

    You choose the size of the pay-out and the length of the term. For example, you may decide to have cover in place until your children are grown up and have left home.

    These decisions aren’t always straightforward, which is why we’re here to help. Our dedicated page on how to work out the amount of life insurance cover you need will help you arrive at a sum insured that reflects your family situation.

    What’s the average cost of life insurance and what affects the price?

    Life insurance policies can start from just £5 a month.

    However, the cost will vary depending on factors such as your age, health, occupation, whether you smoke, length of the term and whether you choose add-ons such as critical illness cover.

    MoneySuperMarket found that smokers on average pay £18 more a month for life insurance compared to non-smokers*. And adding critical illness cover, which pays out on the diagnosis of one of a list of serious medical conditions, typically increases your payments by almost £28 per month**.

    An alternative to straightforward term insurance, where the amount of cover stays the same for a set number of years, is what’s known as ‘decreasing’ term insurance, where the amount of cover reduces over the years (usually in line with a mortgage). This means decreasing term insurance costs less, all other things being equal.

    Life insurance quote uk

    Life insurance quote uk

    Why it pays to buy life insurance when you are younger

    As a rule of thumb, the earlier you take out life insurance, the cheaper your policy will be.

    If you’re in your 20s life insurance is unlikely to be a priority. But MoneySuperMarket research shows that taking out a policy in your 20s can be as much as two times cheaper than taking out cover in your 40s***.

    The reason for this is simple – insurers consider you less likely to make a claim the younger you are.

    The chart below shows the average monthly premium for life insurance depending on the age of the policyholder. But keep in mind each insurer will differ in how much emphasis they give to factors such as your occupation, medical history and lifestyle, so your personal quote is likely to be different.

    Whether you’re buying your first home, getting married or thinking about having children, taking out life insurance as a young adult can be a cost-effective way to plan for your financial future.

    Are there life insurance policies which come with a gift?

    You can compare a wide range of life insurance policies on our comparison tables. And if you take out life cover through MoneySuperMarket, you will receive a £125 voucher from Argos, M S or Next.

    Your voucher of choice is redeemable within 40 days of your third life insurance payment. T Cs apply. You can find out more here.

    Get a £125 voucher when you take out Life Cover through MoneySuperMarket

    Choose from a range of retailers once you’ve made your 3rd payment

    Life insurance quote uk


    Facts on Life Insurance without a Medical Exam, Trusted Choice, life insurance no physical exam.

    #Life #insurance #no #physical #exam


    No Medical Exam Life Insurance

    Many people purchase life insurance to help secure the financial stability of their loved ones after their death. In most cases, you must submit to a medical exam in order to purchase a life insurance policy, because the insurance company wants to assess the risks involved with insuring you. But some insurance companies offer life insurance policies without a medical exam.

    How do these policies differ from those that require a medical exam? When is a good time to buy no medical exam life insurance? When should you avoid it?

    Leading Causes of Death and Life Expectancy in the U.S.

    According to the Centers for Disease Control and Prevention and National Center for Health Statistics:

    • The leading causes of death in the U.S. in 2014 were heart disease and cancer.
    • Other causes of death include chronic respiratory diseases, unintentional injuries, diabetes, and motor vehicle crashes.
    • In 2013, the average life expectancy at birth was about 78 years old.

    What Is No Medical Exam Life Insurance?

    Typically, when you purchase life insurance, you are required to fill out paperwork and submit to medical tests in order for the insurance company to determine if you are eligible for coverage. A nurse or other health practitioner will ask in-depth questions and take blood and urine samples to test for various health conditions that make you riskier to insure.

    If you have health problems, you could face significantly increased premiums, or even rejection.

    No medical exam life insurance is a way to skip the paperwork and exams and obtain a small amount of life insurance even if you have some health problems. Basically, it is a way for you to get life insurance without a physical exam. No exam life insurance is also commonly referred to as “guaranteed issue” and “simplified issue” life insurance. These policies are often marketed to older people who might have medical issues that make getting other life insurance difficult.

    No medical exam life insurance policies are term life insurance policies, often with a relatively low face value. Term life insurance policies pay a death benefit if the insured person dies within the policy term, such as 10, 20, or 30 years. No medical exam policies often have lower face values, but can be purchased for larger amounts, such as $250,000 to $500,000.

    You can obtain term life insurance quotes for no exam coverage with no medical exam and perhaps only a few medical questions. Your premiums may be higher based on your answers. This may seem like a fast, easy way to get life insurance, but because the insurance company has no insight into your health condition, your premium will be much higher for the amount of coverage that you buy.

    The Two Types of No Medical Exam Life Insurance

    Guaranteed issue life insurance. Also called guaranteed acceptance life insurance, this does not require a medical exam, nor does the insurance company review your medical records. Usually you will be required to answer only four simple questions:

    • Do you smoke?
    • Are you currently in a hospital or long-term care facility?
    • Do you have AIDS or HIV?
    • Have you been declared terminally ill?

    Guaranteed issue policies can provide some level of protection and comfort for you. But they are also extremely expensive relative to other forms of life insurance, and offer a relatively low benefit.

    Simplified issue life insurance. This typically does not require a medical exam, but the insurance company will ask more detailed medical questions and may ask to view your medical records. You may be rejected for coverage if you have certain medical issues.

    When to Buy No Medical Exam Life Insurance

    No medical exam life insurance is often marketed as affordable, convenient, and fast. While this is somewhat true, it is still not the right solution for everyone. Only certain people will truly benefit from purchasing no exam life insurance.

    • If you have a chronic health condition like diabetes that is not under control, purchasing life insurance can be expensive or impossible. You may be able to purchase guaranteed issue life insurance in these cases.
    • If you cannot wait to purchase a fully underwritten policy, no exam life insurance may be a good option. These policies can sometimes be issued in as little as a few days.
    • If you have a risky occupation or participate in a risky hobby, you might have a hard time getting life insurance that utilizes a complete underwriting process, even if you are healthy.
    • If you are older or have a serious health condition and want to help your loved ones pay for funeral or final expenses, a no medical exam life insurance policy may help give you peace of mind.
    • If you have health problems and your employer does not offer group life insurance, no exam life insurance may be a good option for you. Employer-provided life insurance is usually obtainable even for those with health problems, and it is usually very affordable for small amounts of coverage. But if you lose your job or your employer stops offering the coverage, you may be a good candidate for no medical exam life insurance if you have no other options.

    If these circumstances do not apply to you, and you want to provide for more than just final expenses, no medical exam life insurance is probably not for you. Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

    You may also want life insurance to fund your children’s education and other future plans. Under most circumstances, submitting to the medical tests and underwriting process will be the best option for obtaining appropriate life insurance that achieves your goals and gives you peace of mind.

    How to Find No Medical Exam Life Insurance

    Even if you need life insurance fast and no medical exam coverage is your only alternative, you still need to do your homework. Get quotes from multiple insurance companies and make sure that the death benefit and premium amount are satisfactory for your needs and budget. Also, be sure to check out the financial stability of your insurance carrier. You can review insurance company ratings through A.M. Best, Standard Poor’s, and other financial information services.

    A Trusted Choice В® independent agent can help you shop for no medical exam life insurance. An experienced local agent can help you review your options and determine if no medical exam life insurance is a good option for you, and can help you obtain quotes from multiple insurance companies. Find a local agent and start getting quotes today.


    How Much Does Life Insurance Cost? Get Average Price, Trusted Choice, life insurance term life.

    #Life #insurance #term #life


    Life Insurance Cost

    Life insurance term life

    The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

    Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice В® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

    Factors That Affect Your Life Insurance Costs

    • Age: Overall, life insurance rates increase as you age.
    • Health profile: Do you have any chronic conditions? Do you smoke?
    • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
    • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
    • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

    To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

    The Average Cost of Whole Life Insurance

    The following average costs were calculated using the following assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want monthly “level pay” (same payments for the duration of the policy).

    The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

    The Average Cost of Term Life Insurance

    The following average costs were calculated using these assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want to pay monthly for a 20-year term policy.

    Life insurance term life

    Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

    Does Life Insurance Cost More in Certain Regions of the U.S.?

    There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

    Some factors that may be taken into account to calculate your life insurance costs in your region include:

    • Whether there is a high rate of obesity in your state or region
    • If the area experiences a high rate of deadly natural disasters, such as earthquakes
    • If the region is prone to certain diseases, such as black lung disease typical in miners
    • If the state or region has a high mortality rate due to crime
    • How many policies have been written in that area

    Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

    How to Lower Your Life Insurance Costs

    Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

    • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
      • Get a body mass index (BMI) check done
      • If you have a high BMI, work with a health professional to lose excess weight
    • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
      • Get an annual physical
      • Regularly check your blood pressure, cholesterol, and triglyceride levels
      • Work with a health professional to improve your numbers, if needed
      • Reduce stress, improve your diet and increase exercise
    • Manage your blood sugar to reduce the risk of diabetes.
      • Request a blood sugar test
      • Obtain a diet and exercise plan to help manage blood sugar levels

    In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

    To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.


    Life Insurance Rates: Compare Life Insurance Quotes, affordable life insurance policies.

    #Affordable #life #insurance #policies


    Life Insurance Rates

    We have made it easy to choose the right life insurance policy at the lowest price.

    Affordable Life Insurance Rates

    Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

    Affordable life insurance policies

    So, now that you have found the ultimate resource that allows

    you to compare life insurance rates, what type of coverage do you need?

    Affordable life insurance policies

    Affordable life insurance policies

    Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

    If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

    Whole Life Insurance

    • “Provides Complete Protection”
    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

    Term Life Insurance

    • “Offers Affordable Coverage”
    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

    Universal Life

    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

    Survivorship Life

    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

    Affordable life insurance policies

    Free Life Insurance Quotes in Minutes

    Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

    Affordable life insurance policies

    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

    Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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    Term Life Insurance Canada – Life Insurance Inc, online life insurance rate.

    #Online #life #insurance #rate


    Online life insurance rate

    Online life insurance rate

    We are independent Canadian Life Insurance Brokers. Shop online for term life insurance quotes and critical illness insurance quotes

    nobody quotes more companies.

    Online life insurance rate

    Types of Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    Critical Illness Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).

    Online life insurance rate

    Term Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    No Medical Exam Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).


    What is term life insurance? Ultimate Guide to Retirement, insurance term life.

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    What is term life insurance?

    Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none that you don’t. That’s why it’s the best choice for almost everyone.

    As the name implies, a term insurance policy is good for a specific period of time; that can be one year, 10 years, 20 years or even up to 30 years. Given that you generally need life insurance only until you’ve managed to save up money elsewhere, just pick the term that dovetails with the time you need coverage. If you die during that term, your beneficiaries get a payout, known as the death benefit. If you die after the term expires, there’s no payout.

    Term policies typically have maximum issue ages. If you’re past age 80, you’ll have a hard time getting term insurance. (You almost certainly won’t need it at that age anyway.)

    Insurance term life

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    Online life insurance quotes, online life insurance quotes, cheap life insurance rates.

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    Instant Online Life Insurance Quotes in Canada

    Cheap life insurance rates

    At Insurance Shoppers, we guarantee you the lowest life insurance rates with some of Canada’s best Life insurance companies. Many of our customers save up to 73% on their life insurance premiums!

    Plus, we check to prevent “rate creep” and keep you at the lowest rate as things change year by year…

    I’m sure you’ve noticed others don’t do this. Because they can’t! We’re one of the only firms with contracts with virtually ALL Canadian life insurance companies. Which is why you’ll find the LOWEST price here at the click of a button, guaranteed.

    When you fill out the Best Rate Calculator on the right, we’ll immediately quote you rates from more than 25 top life insurance companies with 100% transparency so you can select, the lowest insurance price, guaranteed.

    Instant Quotes

    The only way you can make an informed decision is to compare all insurers, so do it here with no obligation.

    Why are we different from other online life insurance websites?

    There are 3 kinds of life insurance quotation websites on the internet these days

    Example Pricing Revealed

    This is just an example of what you will see on the other side, after you request an Instant online life insurance quote. As you can see, every company charges a different rate, but the benefit is the same, so

    Cheap life insurance rates

    The individual insurance company web sites

    These are the most useless to you. Most online life insurance sites do not compare all Canadian insurers. They usually only represent one company, which means that yo never get a good transparent comparison.

    Individual life insurance brokers

    that do not give you an instant online life insurance comparison. What they do is ask you to provide all your personal information, which they then farm out to other insurance agents, who will then call you and still won’t give you any quotes. No , what they will do is try to make an appointment with you to come over to your house and have an agent sit with you for hours to give you information that you could easily get on your own, without wasting any time.

    A true Instant online comparison website, such as this one

    This is what you will see once you have requested a life insurance quote on our website:


    No Medical Exam Life Insurance: Globe Life Official Site, no medical exam term life insurance. #No #medical #exam #term #life #insurance


    No Medical Exam Life Insurance Simple Application

    A No Medical Exam Life Insurance policy with just a simple application can now be purchased from the comfort of your own home. Getting traditional life insurance can be time consuming, involving multiple steps that can wind up distracting our attention from our required routines. If you work long hours, travel a lot or have a difficult schedule, you may be avoiding the perceived hassle of getting a policy. Life Insurance is a viable modern day option.

    A No Medical Exam Life Insurance policy means people can receive real coverage, without having to provide blood and urine for testing. With No Medical Exam Life Insurance, you only have a simple application.

    No medical exam term life insurance

    Getting Educated About No Medical Exam Life Insurance Simple Application

    For those of us living very busy lives, we need to learn about No Medical Exam Life Insurance because it helps us to get the process over with in a way that causes the least amount of interruption to our lives. The ease of getting Life Insurance No Medical Exam Simple Application coverage assures that you won t be forced to delay getting insured just because you lack the necessary time to give the purchase your full attention.

    No Appointments Required

    Typically, to get a life insurance policy, you have to qualify by passing a basic medical exam. Of course, this often means making an appointment with a doctor, providing a urine sample, and having blood drawn. Another option is that that an insurance company hires a private nurse to visit you and home in order to draw your blood and take a urine sample. Naturally, this means finding the mutually available time span that would allow for an appointment.

    No Medical Exam Life Insurance Policy

    Your loved ones deserve the security of knowing they are protected, and obtaining a No Medical Exam Life Insurance policy with just a simple application can be tangible evidence of your caring concern for their welfare. If you don t like needles and do like the simplicity and convenience of getting insurance without being examined, No Medical Exam life insurance Simple Application can be an attractive option.

    No medical exam term life insurance


    No Exam Life Insurance Quotes – 15 Minute Issue without Exam, term life insurance quotes no medical exam. #Term #life #insurance #quotes #no #medical #exam


    No Exam Life Insurance

    Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

    A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

    Save time and hassle.

    Term life insurance quotes no medical exam

    Get Instant Quotes

    Get the Best No Exam Life Insurance Quotes

    No Exam’ vs ‘Guaranteed Issue

    A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

    With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

    Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

    Is a No-Exam Policy Right for ME?

    Yes. If you desire convenience and speed at a fair price.

    Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

    “Why not a fully underwritten policy with an exam; isn’t it a better price?”

    Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

    The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

    With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


    Life Insurance, australian life insurance. #Australian #life #insurance


    Life Insurance

    Australian Unity Life Insurance provides:

    • Financial security for your family.
    • Choice of cover to suit your circumstances, up to $15 million if you were to become terminally ill or die.
    • Peace of mind, knowing that your living expenses such as, school fees and debts can be paid.
    • A quick and easy application process.
    • A comprehensive policy with affordable premiums.

    Terms and conditions apply.

    Please refer to the PDS for product definitions and details of exclusions.

    Take care of your family if the unexpected should happen to you.

    Product Info

    Product Feature

    Product Info

    Australian Unity Life Insurance can help ensure you and your family have the necessary financial support, even if you’re no longer able to provide it.

    You never know when an unforeseen accident or health issues will strike. So whether you’re starting a family, getting ready to retire, or single with commitments, life insurance can offer valuable protection for your lifestyle and your loved ones.

    Call 1300 041 494 or email today for an obligation-free life insurance quote from a friendly representative.

    Secure

    Value for money

    Claims

    Fast and simple applications

    Product Feature

    Product features:

    • Should you pass away, your family will receive a lump sum payment. This can help clear your debts and provide your loved ones with financial security.
    • Cover of up to $15 million.
    • Payment also made for terminal illness where medical evidence confirms life expectancy of 12 months or less (capped at $3 million).
    • Maximum age of entry is 69.
    • Renewable to age 99.

    Terms, conditions and acceptance criteria apply. Applicable cover limits and exclusions are specified in the policy wording contained in the PDS.

    3 simple steps to affordable life insurance

    Request a quote

    Apply for insurance

    Sit back and relax

    Weighing up the costs and benefits of life insurance?

    Noble Oak’s insurance offering has been shown to average savings of up to 25% relative to comparable products on the market, over a range of scenarios*. Here are a few examples of how affordable it is with Australian Unity Life Insurance.**

    *The savings quoted are the average of the savings when comparing NobleOak’s premiums for its Term Life cover under Australian Unity Life Insurance product to the average cost of Term Life insurance products offered by other insurance companies, including products available directly with the insurer and those available for purchase through a financial adviser or broker. The premiums are based on a non-smoker with a Life insurance sum insured of $500,000 at 5 year age bands from age 20 to 55. Your age, occupation, gender, sum insured, smoker status, and health will determine the premium amount charged by NobleOak. Life insurance rates for insurers, including NobleOak, may change in the future and this could change the outcome. The premium comparison was undertaken on July 2016 based on published premium rates.

    **Savings vary significantly by gender and age and can be well over 25%. On average, our customers achieve around a 25% saving compared to most insurers. © Copyright 2008, Rice Warner Actuaries. Data last updated 15/07/2016.

    Why choose Australian Unity Life Insurance? You could make significant savings for starters.

    Enjoy the peace of mind that comes with life insurance cover, at an affordable price. We have worked with Noble Oak to put together a competitively priced product that could represent savings over comparable products of up to 25%*

    How are we able to arrange such affordable life insurance? To start with, we don’t spend lots on marketing and sales, so we can pass those savings on to you. We also negotiate great premiums for you, without charging huge up front commissions, so you never have to pay more than you need to.

    Important information

    It s important you read the relevant Financial Services Guide before acting on any advice or taking out insurance through us. You can download the FSG here.

    Life insurance can provide valuable benefits for your lifestyle and your loved ones. Whatever stage of life you are in, be it embarking on your career, settling down to raise a family, or planning for retirement, you should consider the protection a life insurance policy can offer. After all, an unexpected health problem or accident could affect any of us at any time. Australian Unity Life Insurance gives you the peace of mind that, should the worst happen to you, the financial necessities will be taken care of.

    To decide whether you need life insurance, think about how much money your family would need if you were to pass away. How much would they need to cover day to day costs, school fees and any mortgages or debts?

    How at risk are you and you family?

    Would your family be financially vulnerable if you were to suffer a serious illness or injury or if you died? Find out by answeringing these quick questions:

    • Would you be able to pay your living expenses if you could no longer work due to a serious illness or injury?
    • Could you pay off all your debts (such as your mortgage) in the event you suffered a permanent disability or if you died?
    • If you died, could your family afford to pay for their living expenses?

    If you answered ‘no’ to any of these questions, contact us today to arrange the appropriate insurance cover.

    *** Information provided is general advice and any sum calculated is an estimate only and may not represent the level of cover you require or desire. You should consider whether general advice is right for you and seek financial advice based on your own circumstances.

    ^Quotes obtained from NobleOak and are based on annual premiums for life insurance. Current at 3 July 2015. All examples are for non-smoking white collar workers with no loadings (loadings can be placed on your premiums, for example, because of medical history).

    Cover is subject to acceptance and terms and conditions and exclusions may apply. Refer to the PDS containing the product terms and conditions, policy definitions and exclusions.

    Australian Unity Life Insurance products are issued by NobleOak Life Limited (ABN 85 087 648 708. AFS Licence No. 247302). The promoter of Australian Unity Life Insurance is Australian Unity Personal Financial Services Limited (AUPFS) (ABN 26 098 725 145, AFSL 234459), 114 Albert Road, South Melbourne, VIC 3205), a subsidiary of Australian Unity Limited. It is important that you read our Financial Services Guide before acting on any advice or acquiring any insurance product through AUPFS as agent of the insurer. The AUPFS FSG is available here .

    Any statement on this site is general advice only and does not consider your personal situation or objectives. You should read the relevant Product Disclosure Statement ( PDS ) before deciding to acquire a product. Please review the cover limits, definitions and exclusions as set out in the combined PDS and policy wording to determine whether the product is right for you. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether the product is appropriate for your needs.


    Term Life Insurance Quotes and Insurance Resources, QuickQuote, quote for term life insurance. #Quote #for #term #life #insurance


    Quote for term life insuranceQuickQuote

    QuickQuote – Term Life Insurance

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    Term Life Insurance

    No hassles, phone calls or emails.

    Just free quotes. Instantly.

    Why Choose QuickQuote for Term Life Insurance?

    Save Money

    Get the best rates by comparing quotes from the nation’s top term life insurance companies. 100% free.

    We’ll Shop

    We’ll find the best term life insurance rates from the best companies, leaving you more time for your family, reading or shopping (the fun kind).

    Right Amount

    Find out how much term life insurance you need with our instant calculator, or speak with us by phone.

    Save Time

    Provide some very basic info and get instant term life quotes. No phone calls. No hassles. No charge.

    Apply Online

    Apply online and sign electronically at your convenience. No paperwork, trips to the post office or talking with an agent (though, we are friendly).

    Will I Qualify?

    If you’re like 95% of our applicants, yes, you’ll qualify for term life insurance. It’s fast and easy to find out.

    Anonymous Quotes

    Tired of giving your name, email and phone number to every website you visit? Us, too.

    Apply by Phone

    Select your personal appointment time and we’ll call you to complete the application. No surprises, interruptions or screening calls.

    No Spam

    We respect your inbox and voice mail. And your privacy in general. Which is why we won’t bother you.

    Our Term Life Insurance Companies

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    • Quote for term life insurance
    • Quote for term life insurance

    Answers to Your Term Life Insurance Questions

    What is term life insurance?

    Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

    You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

    How much does term life insurance cost?

    Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

    The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

    How do I buy term life insurance?

    You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

    The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

    How do I apply for term life insurance?

    The term life application process is simple. We’ll do most of the heavy lifting for you.

      1. Select a company – Pick your favorite and click “Apply.”
      2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
      3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
      4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
      5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
      That’s it! It really is that simple.

    What Is The Difference Between Whole Life Insurance And Term Insurance, explain term life insurance. #Explain #term #life #insurance


    Life Insurance Quotes

    Explain term life insurance

    Explain term life insurance

    Explain term life insurance

    What Is The Difference Between Whole Life Insurance And Term Insurance?

    Two of the most popular forms of life insurance are whole life and term life insurance. Although their purpose is the same, overall they are different. It is these differences that determine who purchases what. This also has a bearing on how much of a death benefit is paid to the beneficiaries of the insured.

    Both types of policies have their advantages, which is why you want to evaluate them carefully and even make other comparisons like universal versus term life. Some individuals are better suited for whole life insurance, while others are better suited for term life insurance. Evaluate your age, your financial situation, and the needs of you and your family so that you can choose.

    Whole Life Insurance

    Whole life insurance does come with a larger premium than term, but it doesn’t have to be too high. You can have whole life insurance without a hefty price tag. Nevertheless, there is a reason why it is more than term life insurance.

    First, the premium is fixed. This means that it does not change throughout the life of the policy. The death benefit does not change either. This is important because this means it does not matter the state of your health, you are always going to pay the same amount.

    The death benefit may not be as high, but that’s understandable since whole life insurance gains cash value. This means that as soon as you start paying your premium, a portion of it is going to be invested in investments that the insurance company chooses. A return on the investment will then be applied to your policy so that it grows in cash value.

    Once you have obtained this cash value, over time it will grow to something you can use if you need it. For instance, you can borrow from the cash value and then pay it back later. This cash value will also be paid out to your beneficiaries in the event of your death. This means that they will have even more money to work with when paying final expenses and getting on their feet.

    Term Life Insurance

    Term life insurance doesn’t have any sort of cash value to it. It is a straight insurance policy. You are also required to submit to a health exam if you choose this option. Whole life insurance doesn’t require the health exam. The higher premium compensates for this, so it is possible for individuals of all ages to open a policy.

    With term life, you may pay the same premium throughout the life of the 5 to 40 year term, depending on how long you want to be covered. However, you may choose a non-guaranteed premium if you want to save more money. That means that you may only be guaranteed a certain premium for a certain number of Years. After the guarantee period is over, the premium can change.

    Term life also expires after the term and the only way to resume coverage is to renew. Because you will be older, the premium will be higher. Nevertheless, many enjoy term life insurance for the fact that the death benefit can be very high and place their family in a good financial position.

    Nevertheless, both term and whole life insurance can provide a person’s family with a death benefit that will benefit them after your death. There are final expenses to be paid and you may even want to provide your family with an income for a while so that they can get back on their feet. No matter what you want to do, there is a policy that will be the perfect fit.

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    No Exam Life Insurance Quotes – 15 Minute Issue without Exam, term life insurance no exam. #Term #life #insurance #no #exam


    No Exam Life Insurance

    Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

    A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

    Save time and hassle.

    Term life insurance no exam

    Get Instant Quotes

    Get the Best No Exam Life Insurance Quotes

    No Exam’ vs ‘Guaranteed Issue

    A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

    With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

    Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

    Is a No-Exam Policy Right for ME?

    Yes. If you desire convenience and speed at a fair price.

    Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

    “Why not a fully underwritten policy with an exam; isn’t it a better price?”

    Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

    The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

    With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


    Life Insurance Rates: Compare Life Insurance Quotes, affordable life insurance online. #Affordable #life #insurance #online


    Life Insurance Rates

    We have made it easy to choose the right life insurance policy at the lowest price.

    Affordable Life Insurance Rates

    Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

    Affordable life insurance online

    So, now that you have found the ultimate resource that allows

    you to compare life insurance rates, what type of coverage do you need?

    Affordable life insurance online

    Affordable life insurance online

    Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

    If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

    Whole Life Insurance

    • “Provides Complete Protection”
    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

    Term Life Insurance

    • “Offers Affordable Coverage”
    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

    Universal Life

    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

    Survivorship Life

    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

    Affordable life insurance online

    Free Life Insurance Quotes in Minutes

    Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

    Affordable life insurance online

    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

    Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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    Top 10 Life Insurance Companies in America, top rated life insurance companies. #Top #rated #life #insurance #companies


    Top 10 Life Insurance Companies

    Are you looking for the Top 10 Life Insurance Companies in the U.S.A.?

    Each year the Insurance Information Institute (III) issues a list of the leading life insurance carriers for the previous year to help consumers choose the right life insurance company from the hundreds of life insurers who do business in the U.S.A.

    The list of the best life insurance carriers (shown below) includes their financial strength ratings issued by AM Best Company, an independent rating service. The financial ratings are an indication of the insurer’s financial stability, security and ability to pay their claims.

    Top 10 Life Insurance Companies

    1. Northwestern Mutual – rated A++, Superior
    2. MetLife – rated A+, Superior
    3. New York Life Insurance Group – rated A++, Superior

    Source – III.org – (Insurance Information Institute)

    Life Insurance Quotes

    JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73% . Get Your FREE Quote

    • Get up to $1,000,000 of affordable term life insurance today
    • Apply online in under 20 minutes, start coverage today
    • Backed by MassMutual, rated A++ by AM Best

    Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

    $1* Buys $100,000 Globe Life Insurance

    • Coverage for Adults or Children
    • No Medical Exam. Just a Few Yes/No Health Questions
    • Free Information. No Phone Required. No Waiting

    Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.


    Top 10 Life Insurance Companies in America, best rated life insurance companies. #Best #rated #life #insurance #companies


    Top 10 Life Insurance Companies

    Are you looking for the Top 10 Life Insurance Companies in the U.S.A.?

    Each year the Insurance Information Institute (III) issues a list of the leading life insurance carriers for the previous year to help consumers choose the right life insurance company from the hundreds of life insurers who do business in the U.S.A.

    The list of the best life insurance carriers (shown below) includes their financial strength ratings issued by AM Best Company, an independent rating service. The financial ratings are an indication of the insurer’s financial stability, security and ability to pay their claims.

    Top 10 Life Insurance Companies

    1. Northwestern Mutual – rated A++, Superior
    2. MetLife – rated A+, Superior
    3. New York Life Insurance Group – rated A++, Superior

    Source – III.org – (Insurance Information Institute)

    Life Insurance Quotes

    JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73% . Get Your FREE Quote

    • Get up to $1,000,000 of affordable term life insurance today
    • Apply online in under 20 minutes, start coverage today
    • Backed by MassMutual, rated A++ by AM Best

    Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

    $1* Buys $100,000 Globe Life Insurance

    • Coverage for Adults or Children
    • No Medical Exam. Just a Few Yes/No Health Questions
    • Free Information. No Phone Required. No Waiting

    Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.


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    Find the Right Life Insurance Coverage for you

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    Life insurance: Why it matters and how to shop for it

    You work hard to provide a good life for your family, and you’d do anything to protect them. But what would happen to them financially if you died tomorrow?

    If the answer troubles you, then you need life insurance. Life insurance provides a safety net tomorrow for the loved ones who depend on you today.

    But where should you start? There are two main types of coverage are available: term life and permanent life insurance. The first step is to decide which of these suits you best.

    Term vs. permanent life insurance

    Term life insurance covers you for a certain period, such as 10, 15 or 20 years. Buyers typically choose a policy that covers them until their mortgages and other debts are paid off, or the kids have graduated from college and are living independently.

    Term life is fairly straightforward, compared to permanent life, and it’s less expensive than a permanent life policy. The average cost of a 20-year, $250,000 term life policy for a healthy 30-year-old is about $160 a year, roughly the cost of one latte per week, according to LIMRA and the LIFE Foundation.

    A term life policy pays out if you die during the term while the coverage is in effect. Then your beneficiary collects the proceeds, called the “death benefit.” You can’t cash in the policy while you’re still alive. With term life you risk buying something that your family might never end up using, but in return you gain the peace of mind of knowing they’d be OK if you died unexpectedly.

    Permanent life insurance, such as whole life or universal life, covers you for the rest of your life. The policy pays the death benefit to your beneficiary whether you die tomorrow or in 50 years.

    Permanent life insurance also includes an investment component, known as “cash value.” The cash value of the policy starts off small and then gradually grows tax-free. If you hold onto the policy for many years, the cash account becomes a nest egg. You can borrow from the cash value — the policy stays in effect as long as you repay the money, plus interest — or surrender the policy for the cash.

    Because of its cash value and lifelong coverage, permanent life insurance is pricier and more complex than term life. Some policies even provide long-term care benefits.

    Which type of life insurance should you buy?

    Choose term life insurance if you:

    • Need coverage only until a certain age (say, the age when your youngest child graduates college).
    • Have no dependents who will need financial help for the rest of their lives.
    • Don’t own a family business or have a large estate to protect.
    • Want the most affordable type of coverage available.

    Choose permanent life insurance if you:

    • Want to provide for lifelong dependents, such as a child with special needs.
    • Need to protect a large estate or family business from estate taxes.
    • Want to leave a legacy.
    • Want to provide loved ones with money for your final expenses, such as medical bills and funeral costs, no matter when you die.

    How much life insurance should you buy?

    Beware of easy formulas, such as multiplying your annual income by a certain number. Instead, do a thorough needs analysis. Determine how much your family would need to pay your final expenses, such as funeral costs, and how much your loved ones would need over the long haul to maintain their quality of life. Consider big expenses, such as paying off the mortgage and other debts, and funding your children’s college educations.

    Both parents should be insured — not just the primary breadwinner. To determine the amount of insurance for a stay-at-home parent, consider how much it would cost to replace the services that parent provides, such as day care and other household tasks.

    Don’t assume your group life insurance through work will provide all the coverage you need. Most group life policies are small, and the coverage ends when your job ends. Roughly four in 10 insured married people depend solely on group life policies, according to LIMRA.

    Life insurance rates

    Life insurance premiums vary according to the type of policy, amount of coverage and the insurer, as well as your age and health.

    That’s why it’s important to buy coverage sooner rather than later. The longer you wait, the higher the premiums will be and the greater the risk that you could develop a health condition that will disqualify you from coverage. Besides comparing policies, evaluate insurance companies. Insure.com’s Best Life Insurance Companies Tool can help you sort through leading companies based on their customers reviews.

    Unsure about the cost of life insurance? Get a no-obligation quote

    If you re interested in learning how much life insurance will cost for you, a sensible first step is to request some quotes. This will give you a sense of how much life insurance you can afford, and which companies are likely to be your best bets for coverage.

    Insure.com compiles data from numerous leading life insurance companies to help you compare quotes easily and quickly. You can start comparing quotes by filling in your information at the top of this page.

    When it comes to securing life insurance, the first steps can be among the hardest. But if you take them today, you ll be that much closer to knowing that your loved ones will be supported in the event of your death.

    And there s really no substitute for that knowledge.

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    Life Insurance Premium Quick Quotes

    • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
    • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
    • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
    • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

    Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

    To discuss your specific situation, call us at 877-276-9429.

    Please call 877-276-9429 for quotes at face amounts other than those shown above.

    This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

    Life insurance quote term

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    About TIAA

    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

    Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Life insurance quote term. TIAA Direct and EverBank are divisions of TIAA, FSB.

    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

    TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

    2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


    Buy Instant Car Insurance Online, instant life insurance quote online. #Instant #life #insurance #quote #online


    Get great instant auto insurance with Nationwide

    If you need insurance in a hurry, Nationwide can help. Using our website, you can receive an instant auto insurance quote and purchase it right away. That can be handy in a lot of situations – if you realize your car insurance has lapsed or if you’ve purchased a new vehicle and need coverage ASAP.

    Whatever the reason, when you get an online insurance quote from Nationwide, you can tailor and purchase a car insurance policy instantly, and even print out your proof of insurance card. Here’s how it works.

    1. Gather some basic information about your cars and drivers

    To speed up purchasing instant auto insurance online, have this basic information ready for each driver on your policy:

    • Social Security number (optional)
    • Driver’s license number
    • Driving distance to work
    • Driving violations, accidents or claims in the last five years (approximate dates and details)
    • Make, model and year of your vehicle(s)

    If you own a collectible car, you can also use the above information to get classic car insurance. Find out if you qualify today.

    2. Get an insurance quote online

    Visit Nationwide.com, enter your zip code and click Get a Quote. Then answer some questions about yourself, the car you want to insure and the people who will be driving the vehicle.

    3. Find auto insurance discounts

    As you get your instant quote, Nationwide will help identify discounts on car insurance that might apply to your policy to save you money. Depending on where you live, you may qualify for lower rates when you have multiple Nationwide insurance policies or have an accident-free record. If your vehicle is equipped with an anti-theft device or passenger restraint system, you may save even more. You may also earn a discount through the SmartRide program, which is a usage-based program that gives members feedback to help encourage safe driving. Get more ideas on how to lower the price of your auto policy.

    4. Select the auto insurance policy that’s right for you

    When you receive your instant car insurance quote from Nationwide, you will get three options to choose from, making it easy to select a policy that’s right for you and your budget. You can also change coverages to create a more personalized policy. Find out more about Nationwide’s auto insurance coverage options which include collision, liability and comprehensive coverage.

    5. Choose a payment method and buy your insurance instantly

    Once you’ve picked a policy, simply choose a payment option to complete the transaction. After that, you can download your proof of insurance card and print it out.

    6. Stay safe on the road

    Once you’re covered, read these vehicle safety articles for information on insurance basics and vehicle safety.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.


    How much will life insurance cost me? Ultimate Guide to Retirement, term life insurance estimate. #Term #life #insurance #estimate


    How much will life insurance cost me?

    That depends on your age, your health and the size of the death benefit you want. No surprise that the younger and healthier you are, the lower your premium will be.

    Just as a ballpark, a healthy 35-year-old man who buys a 20-year level term policy, which has a fixed annual premium, might pay $430 a year to secure a $500,000 death benefit. A healthy 50-year-old man who buys the same policy might pay $1,300 a year. If he waits until he’s 65, the policy will cost about $7,300 a year.

    Premiums for cash-value policies are much higher. For example, the healthy 35-year-old man who pays $430 a year for a $500,000 term policy would pay about $4,400 a year for a $500,000 universal life policy – in part because a portion of that $4,400 is going into the investment component of the policy. That’s a huge difference.

    Term life insurance estimate

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    Term life insurance estimate Term life insurance estimate


    What are the different types of term life insurance policies, III, 20 year level term life insurance. #20 #year #level #term #life #insurance


    What are the different types of term life insurance policies?

    IN THIS ARTICLE

    Term insurance comes in two basic varieties—level term and decreasing term. These days, almost everyone buys level term insurance. The terms “level” and “decreasing” refer to the death benefit amount during the term of the policy. A level term policy pays the same benefit amount if death occurs at any point during the term.

    Common types of level term

    • Yearly- (or annually-) renewable term
    • 5-year renewable term
    • 10-year term
    • 15-year term
    • 20-year term
    • 25-year term
    • 30-year term
    • Term to a specified age (usually 65)

    Renewable term policies

    Yearly renewable term, once popular, is no longer a top seller. The most popular type is now 20-year term. Most companies will not sell term insurance to an applicant for a term that ends past his or her 80th birthday.

    If a policy is “renewable,” that means it continues in force for an additional term or terms, up to a specified age, even if the health of the insured (or other factors) would cause him or her to be rejected if he or she applied for a new life insurance policy.

    Generally, the premium for the policy is based on the insured person’s age and health at the policy’s start, and the premium remains the same (level) for the length of the term. So, premiums for 5-year renewable term can be level for 5 years, then to a new rate reflecting the new age of the insured, and so on every five years. Some longer term policies will guarantee that the premium will not increase during the term; others don’t make that guarantee, enabling the insurance company to raise the rate during the policy’s term.

    Some term policies are convertible. This means that the policy’s owner has the right to change it into a permanent type of life insurance without additional evidence of insurability.

    “Return of premium”

    In most types of term insurance, including homeowners and auto insurance, if you haven’t had a claim under the policy by the time it expires, you get no refund of the premium. Your premium bought the protection that you had but didn’t need, and you’ve received fair value. Some term life insurance consumers have been unhappy at this outcome, so some insurers have created term life with a “return of premium” feature. The premiums for the insurance with this feature are often significantly higher than for policies without it, and they generally require that you keep the policy in force to its term or else you forfeit the return of premium benefit. Some policies will return the base premium but not the extra premium (for the return benefit), and others will return both.


    Term Life Insurance at Work, MetLife, term life insurance free quote. #Term #life #insurance #free #quote


    Term Life Insurance

    Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

    Term life insurance free quote

    Common types of term life insurance that may be available through your workplace include:

    Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

    Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

    Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

    For complete plan details, talk to your company’s benefits administrator.

    A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

    Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

    In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

    • Replacing lost income
    • Covering basic living expenses
    • Paying household debts, estate taxes and funeral expenses
    • Funding a child’s education
    • Supplementing retirement savings

    Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

    Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

    Generally, you should consider a term life insurance policy to:

    • Get valuable coverage at an affordable price
    • Help cover specific financial responsibilities like a mortgage or college expenses
    • Supplement a permanent policy

    Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

    Consider a permanent insurance policy if you want:

    • Protection for life
    • Payments that stay the same each year
    • To put additional money into the policy on a tax-favored basis
    • Cash value you can use while you are living

    Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

    • Competitive group rates
    • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
    • Convenient payroll deductions
    • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
    • The confidence of knowing that your employer has reviewed and selected the plan

    All you have to do is sign up, and sometimes enrollment is automatic.

    Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

    While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

    To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

    • Salary
    • Benefits/health insurance
    • 401(k) and retirement savings
    • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

    Then, subtract your personal expenses including:

    • Annual spending on personal needs, such as food, clothing, entertainment, etc.

    Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

    Premiums are typically based on factors such as:

    • Age, sex, height and weight
    • Health status, including whether or not you smoke
    • Participation in high-risk occupations

    Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.


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    Great Life Insurance, Cheap and Affordable Quotes, Rates and Policies, life insurance cheap. #Life #insurance #cheap


    Welcome to Great Life Insurance

    At Great Life Insurance Group we are dedicated to offering the information and tools you need to make informed decisions about your insurance needs and providing affordable quotes and cheap life insurance from top-rated companies for term, whole, and universal life policies and other insurance-related products.

    We understand that the world of insurance can be confusing to the average person which is why we’ve created this site. We want to make the process of purchasing insurance as convenient for you as possible.

    Term, Whole and Universal Life Insurance Products

    If you have loved ones that depend on you and your income for their livelihood then you should consider life insurance. Learn more about the various types of insurance options, the coverage you might need to ensure your family’s needs are met and review our list of leading life insurance companies. Find out how securing life insurance can be part of a sound financial plan and potential investment vehicle to meet your savings goals.

    Disability Insurance and Long-Term Care

    Most of us are in a position where we depend upon our paycheck to stay in our home, put food on the table and, well, just live. Your income is your most valuable asset and you must protect it. Disability insurance and long-term care insurance are designed to protect your income in the event that you are disabled due to illness or injury and require ongoing health care services. Learn more about these options and how you can protect you and your family from losing your income and covering the high costs of professional health care.

    Life Insurance Quotes to Meet Your Needs

    Insuring your most valuable asset—your income—is now more important than ever before. Get competitive life insurance policy quotes from industry-leading companies from across the country. Whether you’re looking for term life insurance or a form of permanent life insurance, we’ll help you to get the right coverage at the right price. Our goal is to provide you with helpful information and tools to decide what type of insurance is right for you and to make the process of obtaining a quote as easy and convenient as possible. Take a moment now and get your life insurance quote today.

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    Term Life Insurance Quote Calculator, TIAA, term life insurance estimates.

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    Life Insurance Premium Quick Quotes

    • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
    • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
    • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
    • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

    Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

    To discuss your specific situation, call us at 877-276-9429.

    Please call 877-276-9429 for quotes at face amounts other than those shown above.

    This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

    Term life insurance estimates

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    About TIAA

    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

    Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Term life insurance estimates. TIAA Direct and EverBank are divisions of TIAA, FSB.

    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

    TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

    2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


    Instant Life Insurance Quotes – Term Life Insurance Quotes OnlineInstant Quote Life Insurance, instant life insurance quote online.

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    Instant Life Insurance Quotes Made Easy

    At InstantQuoteLifeInsurance.com, our goal is to provide you with instant life insurance quotes from the best term life insurance companies. With our easy-to-use life insurance quote engine, you can quickly find affordable term life insurance coverage. Now you can shop online for life insurance without sales pressure. You can also browse our website to get answers to some of the most common questions and concerns regarding life insurance.

    You can learn about and obtain instant quotes for term, return of premium term and universal life insurance without speaking to an agent. Prefer to speak to an agent? You can reach us at 866-691-0100.

    Get Instant Term Quotes without Compromising Your Privacy

    You can anonymously access our life insurance quote engine and instantly get term life insurance quotes without entering personal information. We believe you are searching for insurance quotes online because you want to make this important decision in the comfort of your own home without any sales pressure. If you are leaving your name, phone numbers and email address on a website in order to get instant quotes, it is inevitable that you will be receiving one or several sales calls. At InstantQuoteLifeInsurance.com, your privacy is important to us. That is why we don’t require your contact information in order to get quotes. However, if you do want a live person to speak to, our licensed agents are available to answer your questions.

    We Work for Our Clients – Not for One Insurance Company

    While we do represent many highly-rated term life insurance companies, such as John Hancock Life, Mutual of Omaha, ING and Linclon National, to name a few, we are independent brokers and, as such, we will always strive to do what’s best for our clients. That means helping our clients select the right insurance policy from the insurance company that best suits them. We are not beholden to any one company and will never steer a client to a particular company to meet a sales quota or earn extra commissions or bonuses. First and foremost, we will always do what’s best for you, the consumer.

    One Size Does Not Fit All

    While term insurance is a great fit for most people, there are other insurance products that might be more appropriate for some people. That is why, in addition to term life insurance, we also offer return of premium (ROP) term insurance universal life (instant quotes available for these) and whole life. For families with special-needs children or those with estate planning needs, we offer survivorship/joint survivor (or second-to-die) insurance.

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    The Medical Information Bureau (MIB) provides a collection of private medical and non-medical (hazardous avocations, hobbies, and driving violations) data. The primary purpose of the MIB is to furnish the exchange of underwriting information between its member companies. Member companies are compelled to report a coded summary of conditions and conclusions which may be important [ ]

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    Life Insurance Quotes – Consumer Resources, term life insurance for children.

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    Life Insurance Quotes Information

    Do others depend on you financially? Do you have a family? Do others depend on you financially? How long could your dependents maintain their current lifestyle without your income? Will they be left with funeral expenses? Will there be legal expenses? If you answer yes to any of these questions, you need to consider life insurance.

    If you are single, have no children or are part of a two-income household, you will only need minimal life insurance. Even if you are young and single, a life insurance policy can provide enough money to cover your funeral expenses.

    If you have dependents, such as a non-working spouse, children or parents who rely on your income, life insurance should be your highest priority after basic living expenses.

    The amount of life insurance you need depends on your particular situation; who will you need to financially protect and for how long? One common rule of thumb is to multiply your annual income by 17 and purchase a policy in that amount. For example, if you make $50,000 a year, you should have $850,000 in life insurance.

    What Kind of Life Insurance Do You Need?

    There are two basic types of life insurance policies: term life and permanent life insurance.

    Term Life Insurance is the most basic type and is meant to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a set monthly premium. This type is usually the most affordable option for individuals under the age of 50.

    Permanent Life Insurance lasts for the insureds entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings component. This can build cash value, which can be withdrawn or borrowed against to meet future financial goals.

    The two main types of permanent life insurance are whole and universal life insurance.

    Whole Life Insurance provides a fixed benefit amount and a fixed premium amount. The benefits of Whole Life Insurance include cash value, dividend payments, secured asset for loan collateral and cash payment for final expenses, such as burial costs, estate and probate taxes. One major advantage to this type of policy is that you can cancel it and receive a rebate for any cash value that has been accumulated.

    Universal Life Insurance is similar to Whole Life, as they both have cash value that accumulates in tax-deferred savings over time. Universal policies, however, have a greater degree of flexibility than traditional Whole Life policies. Universal Life policies give you the ability to adjust the premium amount and benefit amount over the term of the policy. You can select two different types of death benefits per Universal policy and opt for the death benefit to only pay what has been accumulated in the cash value of the policy. This would cost less than electing a fixed death benefit plus the cash value.


    Term Life Insurance Quotes and Insurance Resources, QuickQuote, life insurance quotes without personal information.

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    Life insurance quotes without personal informationQuickQuote

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    Why Choose QuickQuote for Term Life Insurance?

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    We’ll find the best term life insurance rates from the best companies, leaving you more time for your family, reading or shopping (the fun kind).

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    Find out how much term life insurance you need with our instant calculator, or speak with us by phone.

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    Our Term Life Insurance Companies

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    Answers to Your Term Life Insurance Questions

    What is term life insurance?

    Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

    You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

    How much does term life insurance cost?

    Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

    The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

    How do I buy term life insurance?

    You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

    The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

    How do I apply for term life insurance?

    The term life application process is simple. We’ll do most of the heavy lifting for you.

      1. Select a company – Pick your favorite and click “Apply.”
      2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
      3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
      4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
      5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
      That’s it! It really is that simple.

    AARP Life Insurance Program from New York Life, life insurance rates chart.

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    The Only Life Insurance Program

    Just for AARP Members

    The AARP Life Insurance Program from New York Life: Affordable coverage from a name you can trust. Because at this stage of your life, you deserve added peace of mind.

    Life Insurance »

    The AARP Life Insurance Program from New York Life Insurance Company offers members both term and permanent group coverage. No physical exam is required. For most products, acceptance is based on your health information. Find out which coverage is right for you.

    Customer Service »

    Access your account online to make payments, manage beneficiaries and more. Click the button below to log in or set up online access if you haven’t yet enrolled.

    From New York Life, Endorsed by AARP

    The AARP Life Insurance Program is endorsed by AARP, a nonprofit membership organization that helps people 50 and over improve the quality of their lives.

    Call a New York Life Representative

    Life Insurance: 1-800-865-7927 Monday – Friday: 8 a.m. to 8 p.m. (ET)

    Saturday: 9 a.m. to 5 p.m. (ET)

    Get Started Today!

    -LIFE INSURANCE-

    Level Benefit Term

    Permanent

    Guaranteed Acceptance

    Young Start

    Learn More About Life Insurance

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    † Includes details on costs, eligibility, renewability, limitations and exclusions.

    New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

    Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

    Young Start is a service mark of New York Life Insurance Company.

    The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

    © 2018 New York Life Insurance Company. All rights reserved.

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    Life insurance rates chart



    New York Life – Apply Now – Life Insurance up to $50, 000, no physical life insurance.

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    For life’s simpler needs.

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    • Affordable term life insurance $10,000 to $50,000
    • No medical exam or lab work. just health and other information
    • It’s easy to apply by mail or complete your application online

    Start here with an

    instant term life quote.

    Thank you for your interest

    We’re Sorry

    An error has occurred, and we are unable to provide you with an online quote at this time.

    To get a quote by phone, please call New York Life at 1-800-361-1741.

    Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

    Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

    Whole Life Insurance is

    coverage you can keep for a

    lifetime to help you protect

    your long term needs.

    Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

    New York Life offers a range of coverage amounts and solutions including:
    • Coverage over $50,000
    • Retirement planning
    • Mortgage protection
    • Long term care insurance

    Monday – Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

    or click here for more information.

    Backed by the Strength of New York Life Insurance Company

    New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

    “Superior”

    “Exceptionally Strong”

    “Very Strong”

    from Standard Poor’s

    “Exceptional”

    Ratings as of 01/01/18

    A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

    Thank you for your request

    You can apply right now.

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    Includes details on costs, eligibility, renewability, limitations and exclusions.

    Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

    The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

    Maine Residents: A buyer’s guide and policy summary are available upon request.

    2018 New York Life Insurance Company. All rights reserved.


    Compare Cheap Life Insurance Quotes, MoneySuperMarket, life insurance instant online quote.

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    Life Insurance

    Offer ends 4th Feb

    Choose from these retailers once you’ve made your 3rd payment:

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    Compare cheap life insurance quotes

    We compare the leading life insurance policies with prices starting from just £5 per month

    We’re here to help you get the protection you need

    What is life insurance?

    Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

    Why should I take out life insurance?

    Life insurance is a vital part of financial planning for anyone who has dependants.

    By ‘dependants’, we mean anyone whose circumstances and material wellbeing would be affected by your death – for example, your partner, your children or anyone else who is financially reliant on you.

    Thinking about your death and its inevitable impact on your family’s circumstances is difficult – and many people simply shy away from the topic. But not doing anything could put loved ones at financial risk. That’s why it’s important to confront the issue and take out life insurance.

    How does life insurance work?

    In most cases, the most effective form of life insurance is called ‘term’ insurance.

    This type of policy pays out an agreed amount – the ‘sum insured’ – either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’.

    You choose the size of the pay-out and the length of the term. For example, you may decide to have cover in place until your children are grown up and have left home.

    These decisions aren’t always straightforward, which is why we’re here to help. Our dedicated page on how to work out the amount of life insurance cover you need will help you arrive at a sum insured that reflects your family situation.

    What’s the average cost of life insurance and what affects the price?

    Life insurance policies can start from just £5 a month.

    However, the cost will vary depending on factors such as your age, health, occupation, whether you smoke, length of the term and whether you choose add-ons such as critical illness cover.

    MoneySuperMarket found that smokers on average pay £18 more a month for life insurance compared to non-smokers*. And adding critical illness cover, which pays out on the diagnosis of one of a list of serious medical conditions, typically increases your payments by almost £28 per month**.

    An alternative to straightforward term insurance, where the amount of cover stays the same for a set number of years, is what’s known as ‘decreasing’ term insurance, where the amount of cover reduces over the years (usually in line with a mortgage). This means decreasing term insurance costs less, all other things being equal.

    Life insurance instant online quote

    Life insurance instant online quote

    Why it pays to buy life insurance when you are younger

    As a rule of thumb, the earlier you take out life insurance, the cheaper your policy will be.

    If you’re in your 20s life insurance is unlikely to be a priority. But MoneySuperMarket research shows that taking out a policy in your 20s can be as much as two times cheaper than taking out cover in your 40s***.

    The reason for this is simple – insurers consider you less likely to make a claim the younger you are.

    The chart below shows the average monthly premium for life insurance depending on the age of the policyholder. But keep in mind each insurer will differ in how much emphasis they give to factors such as your occupation, medical history and lifestyle, so your personal quote is likely to be different.

    Whether you’re buying your first home, getting married or thinking about having children, taking out life insurance as a young adult can be a cost-effective way to plan for your financial future.

    Are there life insurance policies which come with a gift?

    You can compare a wide range of life insurance policies on our comparison tables. And if you take out life cover through MoneySuperMarket, you will receive a £125 voucher from Argos, M S or Next.

    Your voucher of choice is redeemable within 40 days of your third life insurance payment. T Cs apply. You can find out more here.

    Get a £125 voucher when you take out Life Cover through MoneySuperMarket

    Choose from a range of retailers once you’ve made your 3rd payment

    Life insurance instant online quote


    Farmers Insurance: Get a Home, Life – Auto Insurance Quote, group life insurance quotes.

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    return link 1 Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040.

    Products features may not be available in all states may vary by state. Restrictions, exclusions, limits, and conditions apply.



    Term Life Insurance Quote Calculator, TIAA, term life insurance estimate.

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    Life Insurance Premium Quick Quotes

    • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
    • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
    • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
    • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

    Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

    To discuss your specific situation, call us at 877-276-9429.

    Please call 877-276-9429 for quotes at face amounts other than those shown above.

    This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

    Term life insurance estimate

    Not a customer yet?

    Ask us anything

    Weekdays, 8 a.m.-10 p.m. (ET)

    Saturday, 9 a.m.-6 p.m. (ET)

    Find a local office

    FINRA BrokerCheck

    For employers

    For institutional investors

    For financial advisors

    For individual customers

    About TIAA

    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

    Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Term life insurance estimate. TIAA Direct and EverBank are divisions of TIAA, FSB.

    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

    TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

    2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017



    Term Life Insurance Canada – Life Insurance Inc, life insurance rates comparison.

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    Life insurance rates comparison

    Life insurance rates comparison

    We are independent Canadian Life Insurance Brokers. Shop online for term life insurance quotes and critical illness insurance quotes

    nobody quotes more companies.

    Life insurance rates comparison

    Types of Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Life insurance rates comparison

    Critical Illness Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).

    Life insurance rates comparison

    Term Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Life insurance rates comparison

    No Medical Exam Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).



    Million Dollar Life Insurance: Do You Need it, Trusted Choice, million dollar life insurance rates.

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    Million Dollar Life Insurance Policy

    Million dollar life insurance rates

    A million dollars worth of life insurance may seem extravagant, but many people may need that much coverage to support their family’s needs or their financial goals. Most people in the U.S. who have life insurance are actually underinsured. When you add up all of your current debts, your family’s regular living expenses and future financial obligations such as college tuition, you might just find that you actually need that million dollar policy.

    A million dollar life insurance policy may not be as expensive as you think. If something should happen to you and your family needs to carry on, would an estimated $30 to $100 monthly premium for a $1 million term policy be worth it to you? To review a range of life insurance options and rates, contact an independent agent in the Trusted Choice ® network. One of these agents can help you compare quotes and find the most suitable coverage to protect your family.

    Cost of Living Statistics

    • The average cost of college tuition and fees for the 2012–2013 school year was $29,056 at private colleges
    • In 2012, the average cost of a funeral was $8,565
    • The average cost of a home in February 2013 was $152,000
    • In 2012, the average cost of childcare in Massachusetts was $15,000
    • In 2012, the average credit card holder in the U.S. had a debt of $15,162

    What Is a Million Dollar Life Insurance Policy?

    A million dollar life insurance policy is a contract with a face value of a million dollars made between you and the insurance company. The contract comes into effect when they receive your first premium and remains in effect for the duration of the contract, as long as you continue to pay your premiums.

    If you die during the terms of the contract, your named beneficiary will receive a million dollar lump sum payment from the insurer. Unless you name your estate as your beneficiary, or purchase the policy as a third party, these insurance proceeds will also be non-taxable by the IRS or state agencies. When buying such a large policy, it is advisable to discuss the details with your financial or tax advisor so that you fully understand all financial ramifications.

    How Much Does a Million Dollar Life Insurance Policy Cost?

    The cost of a million dollar life insurance policy takes into account a number of variables. The first of these variables is the type of policy you buy. You have two types of life insurance to choose from:

    • Term life insurance: Term life insurance is the most affordable form of life insurance available. It covers death benefits only. You purchase a term policy for a period known as a “term.” A term can be just about any period of time you set with your insurance company; it could be 1, 5, 10, 15, 20, 25 or 30 years, for example. The premiums are typically fixed for the life of the term. This type of policy is renewable and most insurers allow you to convert a term policy to a permanent policy such as whole life or universal life.
    • Permanent life insurance: Permanent insurance comes in three basic types of policies: whole life, universal life and variable life insurance. There are a variety of these policies available in varying formats offered by insurance companies so you should always review policies closely to understand what you are buying. These policies are more expensive than term life policies because, in addition to the death benefits, they also have a cash value accumulation feature.

    Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:

    • Your gender
    • Your age
    • Whether you are a smoker
    • Your health profile
    • Your lifestyle
    • Your family history
    • Your occupation and your hobbies
    • The results of your medical exam

    The following are sample premium costs for a $1,000,000 20-year term life insurance policy for “preferred plus” rates for males and females who are non-smokers and in good health.

    Million dollar life insurance rates

    What Are the Features of Million Dollar Life Insurance?

    The features of a million dollar policy depend on the type of the policy you purchase. With a term life insurance policy, you are insured for the period of the term you purchased, such as 20 years.

    Although this type of policy is also renewable, it can be significantly more expensive to renew because you will have aged 20 years since the original purchase, and the premium increase will reflect this age difference. You may also have the option to convert the policy to a permanent policy and may not be required to take a medical exam.

    With a permanent policy you are covered for your entire life. Not only would your beneficiary receive the death benefits, or “face value” of the life insurance policy, but you are also accumulating a living benefit – the cash value that accumulates in the saving/investment component of your policy.

    After a certain length of time, and depending on the policy and the insurer, you can also borrow against the cash value of the policy. You can borrow these funds as a non-taxable withdrawal. If you do not repay the amount you borrowed, your death benefits will be reduced accordingly.

    Does a Million Dollar Life Insurance Policy Make Sense for You?

    Only you can decide whether a life insurance policy of this size makes sense for you, but you can do a self-inventory in order to make a good choice. The two main factors you should consider include both your current financial needs and future financial obligations. A million dollar policy could make sense if you need it to cover all your current debts such as a mortgage, personal loans and credit cards. Also factor your loss of income, the funds needed to pay for your children’s college education and the annual cost of living for the people in your household.

    The rule of thumb suggested by most experts is that the minimal amount of life insurance should be equivalent to between 5 and 10 times your current gross annual income. You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

    To get help with assessing your life insurance needs, speak with an independent life insurance agent in the Trusted Choice network. These agents provide unbiased information, as they work with multiple life insurance companies and do not promote any one insurance company’s products. An independent agent will help you evaluate options that meet your needs so you can make an informed choice.

    How Does a Million Dollar Life Insurance Policy Work?

    After you have determined the type of the policy you wish to buy, your next step is to fill out an application with the help of your life insurance agent. The agent will then submit the application to the company you have chosen. The insurance company will set up a medical appointment for you.

    Once the life insurance underwriter reviews the results of the medical exam, you will receive your policy contract and premium rates. The policy will go into effect once you sign the contract, return it to the life insurance company and make your first premium payment.

    What happens then? You may be aware of something called a “two year contestability period.” This is a time period during which the life insurance company may investigate any claims you may have made – regarding your current health status, for example – and decline your coverage if you falsified information. It begins the date that your policy goes into effect and lasts two years. It simply means that you must be truthful when you answer questions asked of you, or risk not having that policy pay out when you need it. After the two-year period, the life insurance company cannot rescind your policy unless you are not paying your premium.

    Again, your beneficiaries will still receive the death benefits of your policy during the contestability period. If you die a day, a week, a month or six years after the policy goes into effect, the benefits/cash value would be payable as a lump sum to the beneficiary named on the policy. So, even if you have only paid $100 on a $1 million policy, the entire benefit goes to your beneficiary.

    Get Help with Your Life Insurance Choices

    A million dollars might seem like a large policy. However, when you look at your overall financial picture, factor in how much money would no longer be available to support your family and the expenses you are leaving behind, a million dollar life insurance policy might make more sense.

    Before making a decision, be sure to compare life insurance options and quotes. The cost of life insurance can vary considerably from one insurance company to another, even for the same type of policy. An independent agent in the Trusted Choice network can help you by gathering quotes from multiple life insurance companies based on your specific needs.

    Contact a local member agent today to compare million dollar life insurance quotes and learn how to make sure your family is financially secure.



    Home – Direct Life Insurance Quotes, direct quote life insurance.

    #Direct #quote #life #insurance



    Life Insurance Quotes Direct From The Carriers

    This website and our team of experienced life insurance agents provides life insurance quotes, direct from the carrier. This means that the rates we re quoting you are the same you ll get from going directly to the carrier except we aggregate all the life insurance companies and compare them side by side for you.

    Go ahead and run an instant life insurance quote above. You ll be able to compare rates (monthly and annually), financial ratings and products. These are the same rates you d get if you called the life insurance company directly.

    Why work with DirectLifeInsuranceQuotes.com?

    Sure we can spreadsheet the results on our website for you, but it comes down to convincing an underwriter to give you the best rates available. The reason is because every life insurance company looks at your health and lifestyle choices differently. It s up to your agent to not only find the best rate you can qualify for, but convince the underwriter to give you the best rate possible and that s exactly what we do for you.

    Why do I need to buy Life insurance?

    Although many people put off buying life insurance coverage because they think it is a morbid subject and ultimately they do not want to have to consider their own death, everyone should consider taking out adequate life insurance coverage and for anyone who has loved ones and financial obligations, it is an absolute must have. The sudden death of a friend or relative in an accident or from a sudden illness is often a time when people start to look at their own provisions for their loved ones in the unexpected event of their own demise. Think about what would happen to your loved ones who depend on you financially, if you were to die suddenly with no kind of life insurance coverage in place, especially if you have children:

    1. How would they cope financially?

    2. Would they be able to live the same standard of life?

    3. Would your children still have the same opportunities in life and education that they would have had if you were still alive?

    4. Would your family have to move to a different house, neighborhood and school?

    5. Would your spouse have to work and find someone else to care for your children?

    Life often takes us by surprise and as we cannot foresee the future these are important questions that need to be asked. Any one of us could suddenly fall ill and die or be the victim of an accident that claims our life, so, in order to ensure that your loved ones do not suffer any financial hardship should you suddenly die, you need to ensure that you have adequate life insurance coverage in place.

    What type of Life Insurance should I buy?

    The good news is that if you are young and in good health, low cost term life insurance is easily accessible to you and offers an excellent choice of life insurance coverage. It provides life insurance coverage for a fixed amount of time, pays out a guaranteed death benefit if you die within the term of the policy and also offers the highest rate of death benefit for your dollar.

    I am on a Budget, can I afford to buy Life Insurance?

    The question here is can you afford NOT to buy life insurance? Although you may be on a budget, trying to pay off a mortgage and possibly other debts, if you were to die suddenly with no life insurance coverage in place, your spouse would be left to struggle on alone financially. You need to have adequate life insurance coverage in place and if you look at life insurance as simply risk assurance, much as you would purchase vehicle insurance for your car in case of an accident, you are just ensuring that if you were to die suddenly your loved ones financial needs would be taken care of. The length of time that a term life insurance policy runs for contributes to the premium amounts payable, however, with various lengths of insurance term available, low cost term life insurance offers a choice of death benefit amounts with fixed premiums for the entire length of the policy and helps you to budget more easily.

    Does my Health affect my Premiums?

    Your state of health at the time of application is the basis that your life insurance policy will be created upon. As long as the premiums are paid on time and in accordance with the terms of the policy even if your health declines over the term of the policy it does not affect either the premiums nor the amount of death benefit paid out upon death of the insured within that specified term. At the end of the specified term, if the insured party is still living, there are no more premiums to be paid and the policy simply ends

    Does Low Cost Term Life Insurance pay out any other benefits?

    Low cost term life insurance is purely life insurance coverage for a fixed amount of time, it offers no other investment benefits, but it is ideal for when you main concern is that should you die your life insurance will pay out enough death benefit to more than adequately cover your family’s financial needs. The policy runs for the specified term and purely ensures that if the insured party dies at any time during that term, it simply pays out the specified amount of death benefit to the beneficiaries and then ceases to exist.

    Do I need Low Cost Term Life Insurance for my Spouse?

    If you and your spouse have children and joint financial responsibilities, then it makes sense to ensure that both of you have adequate life insurance coverage in place, especially when there are children to be cared for. If only one partner were to have life insurance coverage and the other partner died unexpectedly, without life insurance coverage, the surviving partner would still have to work and also care for the children. By ensuring that both of you have adequate life insurance coverage in place, should either, or even both of you die suddenly, not only would your debts be paid off, but also your children would be left financially secure.

    The bottom line is:

    Low cost term life insurance gives you peace of mind, offers the highest amount of death benefit available for your dollar and covers your life insurance needs for a fixed term of your choosing, it also allows you to decide the level of death benefit you want to be available should you die and sets the premiums accordingly. Those premiums are then set for the life of the policy and as long as they are paid on time as required by the terms of the policy and the policy is up to date, low cost term life insurance ensures that even if you are unfortunate enough to suffer an early and unexpected demise, your loved ones will be financially cared for.



    Life Insurance Rates: Compare Life Insurance Quotes, whole life insurance online.

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    Life Insurance Rates

    We have made it easy to choose the right life insurance policy at the lowest price.

    Affordable Life Insurance Rates

    Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

    Whole life insurance online

    So, now that you have found the ultimate resource that allows

    you to compare life insurance rates, what type of coverage do you need?

    Whole life insurance online

    Whole life insurance online

    Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

    If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

    Whole Life Insurance

    • “Provides Complete Protection”
    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

    Term Life Insurance

    • “Offers Affordable Coverage”
    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

    Universal Life

    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

    Survivorship Life

    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

    Whole life insurance online

    Free Life Insurance Quotes in Minutes

    Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

    Whole life insurance online

    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

    Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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    BEST Life and Health Insurance Company, best life insurance companies in california.

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    Group Dental

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    Members have the freedom to choose any dental provider of their choice, plus get additional cost-savings with network participation. And members have access to our vast network of 155,000 dentists. The plans also include the BEST Life special dental accident benefit. This provides $1,000 per accident to sound and natural teeth and is not counted toward the calendar year maximum. Click here for plans detail.

    MAC available in AZ, CA, NV and UT only.

    The indemnity plan that does not rely on a network. Members receive the same benefit levels both in and out-of-network, but members receive additional savings on out-of-pocket when they see one of 155,000 dentists within the network. Members also receive the BEST Life special dental accident benefit. That means if something happens to sound and natural teeth, they will get $1,000 per accident that is not counted toward the calendar year maximum. Click here for plans detail.

    MAC available in AZ, CA, NV and TX.

    Members have the freedom to choose any dental provider of their choice, plus get additional cost-savings with network participation. And members have access to our vast network of 155,000 dentists. The plans also include the BEST Life special dental accident benefit. This provides $1,000 per accident to sound and natural teeth and is not counted toward the calendar year maximum. Click here for plans detail.

    Topaz Dental Indemnity

    Just the right blend of choice and savings. Members receive the same benefit levels both in and out-of-network, but members receive additional savings on out-of-pocket when they see one of 155,000 dentists within network. Members also receive the BEST Life special dental accident benefit.That means if something happens to sound and natural teeth, they will get $1,000 per accident that is not counted toward the calendar year maximum. Click here for plans detail.

    Available in UT only.

    Best life insurance companies in california

    2017 BEST Life and Health Insurance Company, Irvine, CA 92614 | 800.237.8543



    Get your quote for a Guaranteed Over 50 Plan, SunLife, 50 life insurance.

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    Get your quote for a Guaranteed Over 50 Plan

    Call our friendly UK-based team

    The ONLY over 50s life cover that gives you:

    * UK’s No.1 by sales volume – ABI statistics – 12 months up to 30/09/17

    ^ £3.90 is the lowest fixed monthly premium on the market for this type of product, compared with the top 5 most popular providers, as at 03/05/17

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    50 life insurance

    50 life insurance 50 life insurance 50 life insurance 50 life insurance

    Here’s the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

    Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

    SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

    You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

    If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

    Who provides the Funeral Plans?

    The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

    If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

    If you choose to pay for your funeral with a life insurance policy, the policy will be provided by Phoenix Life Limited, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

    Who provides My Smarter (ISA)?

    My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

    Who provides the Will writing services?

    Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

    The information contained on this website is based on Hugh James’ understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

    Who provides Family Life Insurance?

    SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

    Who provides SunLife Pet Insurance

    SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

    Who provides SunLife Home Insurance

    SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

    Who provides SunLife Car Insurance

    SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.



    Best Companies: Life Insurance with No Medical Exam, life insurance without medical exam.

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    Companies Offering Life Insurance Without a Medical Exam

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    Life insurance without medical exam

    Best No Medical Exam Life Insurance Companies

    If you have avoided getting life insurance because you don’t have time for the physical, then you will be interested in life insurance with no medical exam.

    These policies are readily available, very affordable and extremely convenient. Made for people who don’t have time or the desire to sit through a health exam, they are available from several companies. Here are just a few plans worth considering when you are ready to invest in life insurance without medical exam.

    Life insurance without medical exam

    Assurity Life Insurance

    With coverage levels between $50,000 and $350,000, these are attractive term life insurance policies. Designed for people between 18 and 65.

    Assurity Life also offers a Simplified Issue Whole Life policy with a max face amount of $50,000 for people ages 0-65. At ages 66 to 80, the max amount of coverage available is $25,000.

    These applications are taken over the phone and then you sign electronically. Decisions normally take about two weeks.

    Life insurance without medical exam

    Fidelity Life Insurance

    They have three types of plans to choose from:

    Rapid Decision: is for people age 18 to 65 and offers coverage levels between $25,000 and $250,000. Applications are completed over the phone with an agent, and you must be in good health to apply.

    Hybrid policies: are also for people between 18 and 65. Choose between $50,000 and $1,000,000 in coverage when you complete the application over the phone. Some health issues are acceptable, but the plans start out as a combination of “all cause” life insurance and “accident only” coverage.

    Senior term life policies: are only for people between the ages of 50 and 70. The coverage levels are between $10,000 and $50,000, and it’s okay if you have some medical conditions. Applications are taken over the phone. It’s important to note that full coverage will not kick in until year 4. During the first 3 years only accidental death is covered.

    Life insurance without medical exam

    American National Life Insurance (ANICO)

    This policy offers faster approvals with most people receiving an answer in just three days or less. However, you must be in good health to receive approval through their strict underwriting system. They do have some of the lowest rates available if you are in good health and do not have other risk factors.

    Applications are taken over the phone and then you sign electronically, or you can send in a paper application. Coverage levels are between $50,000 and $250,000, and they are designed for people between 18 and 65 years of age. Term and Universal Life Insurance policies are offered.

    Life insurance without medical exam

    Mutual of Omaha

    Available for people between 18 and 65 years of age, this life insurance with no medical exam can be applied for over the phone and then you sign electronically.

    The maximum amount of coverage they offer without a medical exam is $250,000. It takes two weeks for approvals, but they accept health conditions and risks that other companies avoid.

    Individuals under age 80 can purchase whole life insurance, also known as final expense insurance up to a maximum of $40,000. These policies usually take 2 weeks for approval. Once approved, the rates and coverage amount are guaranteed for lifetime. The policy benefits begin immediately for both illness and accident. Mutual of Omaha is usually the best priced final expense policy for health individuals.

    Life insurance without medical examSagicor Life Insurance Company

    Sagicor Life Insurance Company offers term life insurance no medical exam up to a maximum of $400,000. The term lengths available are 10, 15 and 20 years. They also offer No Lapse Universal Life Insurance up to $400,000. Both policy types require individuals to be ages 65 or younger. They are more strict than others with underwriting, but they do approve healthy individuals within minutes of submitting the application.

    Life insurance without medical examPrincipal Financial Group

    Principal Financial Group has a new underwriting process called “Accelerated Underwriting”. This new underwriting process allows individuals ages 18-60 that are eligible for the two best rate classes, Super Preferred and Preferred to purchase up to $1,000,000 of life insurance coverage with no medical exam.

    This is full coverage that covers both accident and illness. All term lengths and policy types are available. You can get term insurance and universal life insurance with no medical exam if you qualify.

    Life insurance without medical examAetna / American Continental Insurance Company

    American Continental Insurance Company is a company owned by Aetna, which is one of the the largest health life insurance companies in the nation. This policy has been made specifically for seniors up to age 85. This is a whole life policy also known as final expense life insurance. The policy amounts available are from $5,000 up to a maximum of $25,000.

    This product is unique because it will approve individuals that most companies will decline. Most applications are approved within minutes of submitting them. If you have been declined by other final expense life insurance carriers, you may want to give Aetna a try.

    Gerber Life InsuranceLife insurance without medical exam

    Gerber Life Insurance offers Guaranteed Issue Life Insurance. No medical questions are asked and you can not be denied. This policy is for individuals ages 50-80 with severe medical conditions. This is a whole life insurance policy that offers a maximum of $25,000 of coverage.

    Since this life insurance company is willing to take a greater risk on who they insure, the premiums are higher and you will have a 2 year waiting period before the policy will cover death by illness. This is the last resort if you are unable to get life insurance with any other company. However, it certain has it’s place because some life insurance is better than nothing at all!

    Applying for Life Insurance without Medical Exam

    When applying for Life Insurance with No Medical Exam coverage, it’s important to remember that you must answer questions honestly.

    No medical exam life insurance companies will look at your medical history, and they reserve the right to refuse coverage if you have answered questions dishonestly. In addition to looking at your medical history, they will also pull a motor vehicle report to see if you have dangerous driving habits, and they will pull a pharmacy report to see what prescription medications you take.

    While there are more affordable options for insurance, there are times when life insurance with no medical exam is the best choice.

    • If you need coverage immediately and don’t want to wait for a traditional policy, then it is the right choice.
    • If you haven’t been to the doctor in more than two years, then this could also be the best option since you aren’t sure what a health exam would show.
    • Finally, it’s the right insurance if you simply don’t like needles or don’t have time for the appointment.

    If you re shopping for term life insurance no medical exam, contact us to get cheap life insurance without medical exam free quotes by answering few simple health questions 1-888-773-1181



    Declined for Term Life Insurance? We Can Help, declining term life insurance.

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    Get Quote in Seconds:

    Declining term life insuranceLife insurance companies take the underwriting process very seriously because they are taking on a lot of risk when they approval each and every application for coverage. Underwriters will order your medical records, review the results of your medical examination, and compare all of this information to the information provided on your application. During the assessment, the underwriter will determine whether or not you qualify for coverage and what health classification you should be given. If the applicant is in poor health, or they are considered too much of a risk to insure based on their lifestyle, there is a chance that they will be declined by the life insurance provider.

    If you have been declined for coverage, it is important for you to know what steps to take after the declination. Just because one insurance company is not willing to extend you an offer for coverage does not mean that you should panic. You may still be insurable and the key to finding coverage is knowing what companies cater to riskier applicants. Read on and find out what you can do to uncover the reason you were declined, and what you can do to qualify for coverage from another life insurance provider.

    Declined for Insurance When You Are in Good Health

    Your health is not the only factor an insurance company will use to determine whether or not you are insurable. While pre-existing conditions can affect your ability to find coverage, there are other mitigating factors that can contribute to a declination. Insurance is all about risk and life insurance is all about calculating your mortality rate. If you are healthy but you participate in hazardous avocations, your mortality rate may be much too high for the insurer’s liking.

    Some hazardous avocations that can easily get you declined for life insurance include: scuba diving, flying, rock climbing, skydiving, base jumping, and even dangerous occupations like mining. While not all companies will deny you for all of these activities, some will. If you are declined because you are too much of a thrill seeker, you may have the option to exclude the activity from the policy or you may have to pay a fixed rate with another provider. Exploring your options is key in this situation.

    Declined for Insurance When You Have Medical Conditions

    More often than not, an application for life insurance is declined because of the applicant’s health status at the time the application was submitted. This can either be due to the information that was discovered in the medical records, the information provided on the application, or because of the results that came back from the lab work taken during your physical exam.

    If you know about the medical condition that led to your declination, you may have been expecting to receive the letter in the mail. This is why it is important to speak with an experienced life insurance broker so that you apply through a carrier who is open to accepting a client with your condition, as long as your condition is controlled.

    If your labs came back and they were the cause for your denial, you may be shocked to hear that your labs came back abnormal. In this case, you will need to see your physician to discuss your labs. You may need to be retested to see if there was a mistake. If there was, you can have your labs sent to the company for review and show that you are in good health. If the labs were accurate and you are diagnosed with a medical condition, it is important to focus on controlling the condition before you apply for coverage. After all, insurance companies will approve applicants with medical problems as long as they comply with doctors’ orders and control the issue with treatment.

    Steps to Take After Being Declined

    You should take action when you are declined for life insurance. Here are some steps that you can take to get the approval you are looking for:

    1. Uncover the Reason for Denial

    All insurance companies are required to send you a letter explaining why you have been denied for coverage. Review the reason(s) first, and you can take the steps to get approved when you reapply with another company.

    2. Check Your Records

    You sign an authorization for the underwriter to pull your medical records. Order these records, ask for your test results, and take this to your doctor to ensure everything is accurate. If there is a mistake, it must be fixed. All insurance companies will be able to see the reason for denial in a central database and this could prevent you from getting approved in the future.

    3. Work with a Broker

    Once you uncover the reason and you fix errors, you should work with a broker to find coverage. Brokers know which companies are more likely to approve you based on your health and your lifestyle, and they can help guide you. Lifestyle choices will effect your insurability. From cigar smoking to sky diving and rock climbing there are companies who specializes in finding higher risk individuals the coverage they need at a price they can afford.

    Make sure you do not panic when you are declined for life insurance coverage. Review quotes from various companies, find out the requirements of companies before you apply, and understand all of your options.

    Declining term life insurance



    Cheap Term Life Insurance – The Simple Truth; How To Find The Right Policy, cheap term life insurance quote.

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    Cheap Term Life Insurance The Simple Truth; How To Find The Right Policy

    Cheap term life insurance is very easy to find. But is it the right cheap term life? That’s a different story. Fortunately, you don’t have to worry about that either. I’m going to show you how to get that taken care of as well.

    Where to Shop

    First, understand that shopping online for term life is smart. That’s because you may not be able to rely on your local insurance agent if you really want to save money and get the best policy. That’s because if they work for only one company (like Allstate etc.) they won’t be able to shop around for you.

    An independent agent can potentially solve that problem because they often represent tens or hundreds of insurance companies. An independent agent should not care which company provides the insurance. If he or she is willing to show you a quote with multiple companies that agent is making the insurance companies compete for your business. Nice.

    How to Get the Cheapest Rates – Part I

    There are three elements that will guarantee you get the lowest possible term life insurance; your age, your health and your lifestyle. The younger, healthier and safer you are, the lower your rates will be.

    Don’t Wait

    If you need more life insurance you should apply for a quote now. Every day you wait makes you less attractive to the insurance companies. That means they’ll charge you more next year for the same coverage you could buy today at a lower rate.

    Stay Healthy

    Eat right, don’t smoke, don’t drink excessively, exercise and take care of yourself. This is all very obvious of course. But what isn’t obvious is if you should wait until you get healthy before you apply. In my opinion the answer is “no…don’t wait.” There are two reasons for this.

    First, once you actually get back on the right health path, you can always reapply for coverage and get a lower premium. And second, it might take you longer than you think to reach your health goals and you never know what might happen while you are working on it.

    If you have a chronic condition that isn t going to go away, you can still get a guaranteed issue life insurance policy or you can buy a life insurance policy without having a physical exam. If that s the case, you best course of action is to call me directly. That way I ll make sure to match up the right company to fit your needs.

    Stay Safe

    Insurance companies don’t like to sell policies to people who have a high chance of making a claim. They are funny that way but that’s just the way it is. That being the case, you should realize that if you engage in dangerous hobbies like flying in private planes, skydiving, rock climbing, scuba diving etc., you may not be able to get insurance. Even if you are able to get a policy, you will have to pay much higher premiums. If you are seriously interested in saying money on term life insurance, ditch your dangerous ways.

    Be Honest

    It makes no sense to try to hide something about your health or hobbies in an attempt to get cheaper life insurance. If there is a claim the insurance company will likely discover the truth and your family won’t get anything more than the premiums you paid. That’s expensive. Be honest my brother and sister.

    How to Get the Cheapest Term Life Insurance – Part II – ADVANCED

    Make sure you don’t buy too much insurance

    Most people fail to consider the fact that over time, their life insurance needs change. You might need a base amount now, more in 5 years and a lot less in 15 years. It depends on your situation. So first you want to make sure you know how much life insurance you need right now. And you want to think about how much life insurance you’ll need over the years.

    Because those needs will change, it’s smart to buy your life insurance in modules. This way you can add and drop insurance as needed. This will save you a bundle and it’s a tactic most people overlook. As a result they pay way too much for life insurance. I used this tactic and it saved me over 65% on my life insurance costs. You can read more about that concept in my post about how much insurance you need.

    Why Not All Cheap Term Life Insurance Is Cheap

    There are some super inexpensive term insurance policies out there that are cheap for a good reason. They have so many exclusions that unless you die under a very restricted set of circumstances – they won’t pay off. And some companies give you a very low quote but end up charging you much higher rates after they do their underwriting. This can happen if you have a health condition or lifestyle that they don’t cater to.

    The solution for either problem is to make sure you are working with someone who is trustworthy. There is no other alternative.



    Selling Your Life Insurance Policy, Coventry Direct, how to buy term life insurance.

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    When Selling Your Life Insurance Policy Makes Sense

    If you re like many Americans, you may have purchased life insurance to protect your family or business and provide financial security when it was needed most. But as circumstances change, your insurance priorities may have changed with them, which is why selling your life insurance policy can make sense.

    Here are a few important reasons why you may want to consider a life settlement:

    • Your life insurance policy is too expensive to maintain.

    If your premium payments have continued to increase, your policy may no longer be affordable.

  • You have more life insurance than you currently need.

    As your circumstances and need for financial protection change, you may want to reduce the overall insurance you own.

  • You need help with increasing medical or long term care expenses.

    Selling your policy can help cover your immediate needs.

  • Increasing your retirement funds will increase your peace of mind.

    The proceeds from the sale of your policy can help boost your savings and supplement your retirement income.

  • You still want to keep a portion of your life insurance, but would like to eliminate the premiums.

    You can sell part of your policy, eliminate costly premium payments and maintain a portion of your coverage.

  • “The ability to sell their policies as a life settlement enabled policyowners to receive an amount more than four times greater than what they would have received had they surrendered their policies to their insurance companies.”

    London Business School Study, June 2013

    June had taken out a long term care policy years ago to help her family cover her medical expenses. She could no longer afford the premium payments on the policy. June did some research and learned she may be a candidate to sell her life insurance policy. June was able to sell her policy for $65,500 and use that money to continue paying premiums on her long term care policy.

    Does my policy qualify?

    If you are interested in selling your policy, please call us at 1.800.COVENTRY to complete the Life Settlement Qualifier. We are available to assist you.



    Whole Life Insurance: Whole Life Rates – Quotes: Farmers Insurance, cheapest life insurance rates.

    #Cheapest #life #insurance #rates



    Whole Life Insurance

    Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

    Whole Life Policies

    Whole life is one of the most common types of permanent life insurance offered by Farmers New World Life Insurance Company. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. 3 Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free 4 access to cash value and death benefits. 5

    Farmers EssentialLife Simple Whole Life 6

    Farmers EssentialLifeВ® Simple Whole Life is a modernized whole life insurance policy combining the traditional guarantees of whole life with optional riders (available at additional charge), potential to earn excess credits, and a discount 7 for customers with other Farmers insurance policies.

    Farmers EssentialLifeВ® Simple Whole Life features guaranteed level premiums, guaranteed cash values and is payable to age 100. Unlike universal life or variable universal life insurance policies, the cash value, premium requirements, and death benefit of Farmers Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.

    • Simplified underwriting
    • Discounts available for customers owning other Farmers policies

  • Fast underwriting decision, after completing the application with your local agent

    Farmers Graded Death Benefit Whole Life 8

    To help prepare for life’s unexpected expenses, the Farmers Graded Benefit Whole Life is a life insurance policy for those who want permanent insurance coverage with guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, the Farmers Graded Benefit policy could offer otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

    • No medical exam, just answer three simple health questions to determine eligibility
    • Guaranteed cash value accumulation
    • Guaranteed death benefit. 9 Limited death benefit during the first two policy years.

    Farmers Premier Whole Life 10

    For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life features guaranteed level premiums and guaranteed cash values.

    • A wide range of face amounts for most financial needs
    • Guaranteed cash value accumulation
    • Option to add several riders and benefits available at an additional charge

    Contact a Farmers agent to learn more about whole life insurance.

    2 Lifetime coverage is guaranteed provided premiums are paid per the terms of the contract.

    3 Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties

    4 Distributions from a life insurance policy in the character of partial surrenders (withdrawals) up to basis or policy loans will generally be income tax free, provided the policy does not violate Modified Endowment Contract (MEC) guidelines and the policy is not terminated during the lifetime of the insured. MEC guidelines are rules in the Internal Revenue Code which specify maximum premiums that can be paid without triggering adverse tax consequences for withdrawals. A policy termination during the life of the insured can cause the owner a single taxable event for any gains in the policy that were borrowed or withdrawn on or before the termination date.

    5 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

    6 Policy form 2008-352

    7 Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your agent for more details.

    8 ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited death benefit during the first two policy years.

    9 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    10 Policy form 1995-112 or applicable state variation. (Farmers Premier Endowment at age 100 – IN and PA.)



  • Term Life Insurance – Whole Life – Best Quotes and Rates, best rates term life insurance.

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    Whole Life Insurance, Affordable Whole Life Insurance Rates, affordable life insurance rate.

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    Whole Life Insurance

    Whole Life Insurance is a type of Permanent Life Insurance that has a specific face value and also accumulates cash value that can be considered part of your investment portfolio. It is more expensive than Term Life Insurance because of its cash value, which can even be borrowed against by the insured member. Although premiums can be expensive, they generally remain level and are payable for life. Since premiums are based on age at time of enrolling, you can save premium money by purchasing a policy when you are younger. These type of policies, unlike Term Life Insurance, will remain in force for as long as you continue to make your monthly premiums.

    A Whole Life Insurance policy provides you with a fixed amount of benefits and also a fixed amount of premium or payments that you have to make to the life insurance company. There are many benefits to owning a this type of policy such as dividend payments, cash value, secured asset for loan collateral, cash payment for final expenses such as burial expenses, estate and probate taxes. Moreover, Whole Life policies can be cancelled and you can receive a rebate for any cash value that has been accumulated on that policy.

    There are several different traditional types of Whole Life, each with their own unique benefits. In a Participating Whole Life Insurance, the insurance will share excess profits with the policyholder in the form of dividend payments. Non-Participating Whole Life Insurance has no shared profit benefits and the value of the policy is determined and fixed when the policy is written. An Indeterminate Premium Policy is like a Non-Participating policy, but the annual premium can be variable. Another type is the Limited Pay policy, in which you may only be required to make a premium payment for a specific number of years and the policy will continue to provide benefits throughout your lifetime. Economic, Single Premium and Interest Sensitive are other types.

    We recommend you speak to a local licensed insurance agent so that you can learn more about it and be informed about your options. Please feel free to contact the licensed agents listed on our site for more information. Understanding the investment opportunities of a Whole Life Insurance policy will likely require the assistance of a professional.