Take a moment to think about how little life insurance coverage really costs. Most term life policies require a premium of less than $1 for every $1000 of coverage. For permanent policies you put out more but the cash values and dividends earned over the years are usually sufficient to offset the additional premium outlay.
Regardless of which way you choose to go you end up with a good deal for your dollar. You protect your family at a very low cost. Keep in mind that dividends applied to permanent policies are not guaranteed. Whichever type you prefer you will find suitable policies for the protection of your family here. You can also get your policies here for your business needs.
No Medical Term Insurance
Most life insurance purchases require a medical exam and interaction with an Agent in order to complete the long purchase process that in many cases can take up to 8 weeks. With these plans, however, the process can be reduced to minutes. These are the same term policies that most carriers require a medical exam for. In these cases, however, no medical is required. The premiums are very low, if you qualify. It is a very fast and simple process for obtaining a policy online with no medical exam and just a few specific health questions to answer. Coverage amounts up to $500,000 can be obtained in as little as 15 minutes for terms of 10, 15, 20, or 30 years. Simplified Issue Life Coverage is appropriate for those that want coverage without a long wait and who are generally in good health.
Term Life, Whole Life And Universal Life
The wide range of policies offered on this site are some of the least costly and are of the highest quality available on or off the Internet. Here you have the unique opportunity to choose from the finest carriers in the insurance industry regardless of the type of coverage you want to purchase. These carriers offer comparisons of up to $10,000,000 coverage. Top insurers include Assurity, Prudential, Banner Life, , American General, Transamerica, Protective Life, Fidelity Life,and Lincoln Financial Group.
We have selected the finest quality companies in the business which represent the Most Reputable Carriers in the Insurance Industry. With these Companies you not only get the policies you desire but you have the unique opportunity of building lasting business relationships with them, if you so desire. To put it simply, you can always return to get additional information about your insurance at any time in the future.
Fully Underwritten Applications
When an applicant applies for larger policies, $1,000,000 or greater, a medical exam is needed. The company will set an appointment with you and send an examiner to complete the process. You can purchase up to $10,000,000 coverage in this way.
There are literally hundreds of life insurance companies to choose from. The companies you get to compare are those Highly Rated carriers with very low premiums.
If you want details on each type of life policy click on the links below then return here.
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There are three ways to buy life insurance online, let us take a look at how they work.
One good way is to go to the site, get quotes then fill out an actual application. The company will process the application. If additional information is needed they will request it.
This may include a medical exam depending on the amount applied for, your age and your medical history. An agent may or may not need to see you. Upon approval the policy will be issued. Here you can apply for up to $10,000,000 coverage.
Another way is to actually buy the policy online. You can get up to $500,000 coverage without a medical examination. The rates are fairly inexpensive but you need to qualify for this coverage.
These companies are quite thorough in their underwriting. Your policy can actually be issued the same day if you qualify.
Still another way is to go to the site, give them a little information and get quotes. An agent will contact you later and assist you with the actual process.
You then proceed to get your quotes, keep in mind that you can get up to $1,000,000 on a non medical basis. A medical exam is required by some carriers and for much larger policies, up to $10,000,000.
After you get your quotes you are required to complete a short questionnaire, a Licensed Agent will call you shortly afterwards to complete the medical questions.