Getting a term life insurance quote online is a pretty simple thing to do.
Of course, this is ideal for people who know exactly how much life insurance they want to purchase.
All you need to do is complete the form, in other words, give the life insurance company the information they require, and you will get a term life quote online.
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Getting your life insurance policy approved is another matter. If the amount of insurance you desire to purchase is small you may not even need to complete a medical examination.
All you need is to complete a non medical form and if it is satisfactory to the company then you will get an approval.
For large insurance policies you will have to do at least one medical examination, sometimes as many as three.
It is very important to bear in mind that the applicant must be truthful when answering these questions, when requesting term life insurance quotes online as well as when you apply for your policy. Here is why.
The insurance company asks for and receives what is known as an inspection report. If anything is disclosed, by this inspection, that would prevent you from getting an approval the policy will be withdrawn.
Two of the things that would cause this withdrawal to occur are incorrect medical history disclosure information or a present medical impairment.
Another important consideration is whether or not you engage in a hazardous occupation or avocation. Before you get a term life insurance quote online let me give you some examples of the details.
They want to know if you are a professional underwater diver, if you fly an aircraft now, if you have flown one within the past 3 years or if you intend to do so in the near future.
The life insurance company wants to know if you race automobiles, boats, motor cycles, go carts or snowmobiles.
They want to know if you smoke...or if you have smoked cigarettes in the past 10 years. All these things are taken into consideration when you request a term life insurance quote online or off-line.
There is however an incontestability period which is usually about 2 years. This means that if the applicant gets by the first 2 policy years the life insurance company cannot withdraw the policy even if you lied on the application.
If you die within that 2 year period the claim will be contested if they can prove that the applicant deliberately gave incorrect information. Payment, in this case, would be limited to premiums paid.
So when you ask for a term life insurance quote online you should give your complete and accurate history. This applies to applying for insurance off-line as well.
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