Want life insurance? Want it now? Instant life insurance is available
online and it is easy to get if you are healthy.
All you have to do is to go to a site that specializes in this and buy your policy.
You answer a few health questions and off you go.
You can do this if you already know how much you want to buy.
Not too sure how much to get?
The solution to that is also easy to get as well. You use a life insurance needs calculator to find out how much you need.
There are some simple calculators available and there are others
which are quite complex to use.
They all seem to come up with the same amount of need though. Go find out what your need is and come back here.
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Okay, now you know how much you need and you have a feel of how long
you need to keep your coverage.
You know, you need sufficient coverage to guarantee that your youngest child graduates college.
All you do to decide this is to count the years from that child's
age at present to the age you expect that child to graduates.
If the total is 15 then you need to buy a 15 year term policy. If it is 20 year then buy a 20 year term.
But wait a minute, what about your spouse?
Does s/he work outside the home or does this person do the more important job of managing the home and raising the children.
If your spouse does not work outside the home don't you think it would be a good idea to guarantee that your income continue after your death?
You would therefore need to guarantee that your policy lasts longer than 20 years.
You need a permanent life insurance policy or a term policy that is guaranteed renewable so that your coverage can continue for as long as you wish.
The idea of no exam life insurance is by no means new. It is a little more liberal than it used to be and we have a new generation embracing the idea. There are many variations to this policy.
The 20 year term life insurance policy can be effectively used in oh so many situations. We will look at some of them but first let us define what this policy is all about.
The 10 year term life insurance is one of the simplest and most easily explained types of life insurance.
Let us take a look at the 10 year 20 year and 30 year term life insurance policies.
There are many pages on this website on term insurance details and how it works. What I want to do on this page is give you a basic and general outline of this policy.