Term Life Insurance Quotes
Do you need Life Insurance, ,but not sure where to start? Do you need life insurance, but don't want to be sold by an agent? Well, you've come to the right place. 10MinuteTermLife.com makes it easy as 1,2,3 to Buy Life Insurance . We even offer No Exam Life Insurance that doesn't require you to speak with a life insurance agent or get a medical exam. I know that sounds too good to be true, but its not. You can buy up to $500,000 of No Exam Life Insurance Online in as little as 10 minutes. Below are the 3 simple steps to obtaining life insurance the easy way.
1.Get Quotes- Answer a few simple questions
2.Compare Plans - Compare your best life insurance rate options side by side. Read real customer reviews and learn about the life insurance companies.
3.Apply Online - Now that you've found the life insurance policy that is best for you and your family, you can apply online. If you choose a No Exam Life Insurance policy, you can actually Buy Life Insurance Online.
Types of Term Life Insurance
No Exam Life Insurance - All you have to do is answer a few simple health questions. No Medical Exam, No Blood Test, No Urine Samples and No EKG Requirements. Additionally, all benefits are 100% tax-free and you have a thirty-day period in which you can change your mind. If this occurs, you will receive a full refund on any monies paid toward a policy.
Non Medical Life Insurance - Also know as Non Med LIfe Insurance , it is basically the same thing as No Exam Life Insurance .All you have to do is answer a few simple health questions. No Medical Exam, No Blood Test, No Urine Samples and No EKG Requirements.Additionally, all benefits are 100% tax-free and you have a thirty-day period in which you can change your mind. If this occurs, you will receive a full refund on any monies paid toward a policy.
Return Of Premium Life Insurance - is a newly introduced term life insurance policy that provides both death benefit protection and a return of premium insurance feature. Return of premium life Insurance is aimed right at one of the greatest objections to term life: “If I don't die, my money will have been wasted."
Here’s how it works : If you keep your policy for the term period, at the end of that time whether 15, 20 or 30 years, the life insurance company that issued the insurance with the return of premium policy, returns the entire premium that you paid for the insurance.
Here’s an example : Male, age 38 with the best rate of preferred plus, $500,000 of 30-year return of premium term life insurance:
Annual premium = $810; Return of Premium after 30 years = $24,300
($810 x 30yr = $24,300)
The life insurance return of premium is considered income tax free, because you aren’t receiving back more than you put into the return of premium life policy. The return of premium term life insurance policies feature fully guaranteed level premiums for the first 15, 20 or 30 years.
We Also Offer:
Simple Whole Life Insurance - ( Click Here For Quote ) How about financial protection and level premiums that last your entire (whole) life. Unlike term policies which only cover you for a specific time. Here are some benefits of having permanent whole life insurance:
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Lifetime Coverage
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No Medical Exams
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Up to $50,000
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6 months - 85 Years Eligible
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Preferred, Standard, and Graded Plans *
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Living Benefits *
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Apply and Pay Online
Great Start Plan - ( Click Here For Quote ) The GREAT START Life Insurance policy is an essential part of responsible parenting. A child's first policy is their most important one, for a number of reasons.
First , it cost so very little to have a GREAT START policy for your child. In an uncertain world, there's no reason for your young ones to grow up without a GREAT START policy to protect them.
Secondly , you have your child's future to think of. And the GREAT START Plan provides for that, too. As you'll see below, when your child grows into adulthood, the Plan you start today will become the foundation for a lifetime of irreplaceable low-cost protection.
No Medical Exam Term LIfe insurance
No medical exam term life insurance is a great option for those fast pace types as well as many others. One of the gains of checking out the no exam term life insurance rates from different insurance providers is that you can shop around to find the cheapest term life insurance policy that meets your needs. The price of the premium will depend on the amount of coverage you choose, but you also need to be knowledgeable about the details of the policy. Most of these policies are for a specific age group - from age 40 to 75.
Life Insurance policies are priced in 3 different ways: Underwritten policies are those where you answer questions on your personal and family medical history and submit to a medical exam scheduled by the insurance company; a simplified issue life insurance policy application asks you some medical questions but does not necessitate a medical exam; and a guaranteed issue life insurance policy commands no questions and no medical exam.
Term life insurance is much cheaper than whole life insurance and you'll see that when you get term life insurance quotes online. Term life insurance quotes are usually less than any other type of insurance because term life insurance covers an insured individual for only a particular term of coverage. Whole life insurance, on the other hand, covers the whole life of a person and promises the insured that his beneficiaries will be paid a death benefit anytime he dies within his lifetime
Life insurance companies usually base their insurance premiums on the risks of insuring a person. This is also the same reason why the quotes of term life insurance increase as the insured individual’s age increase. The chance that a person will die at any given point in time increases in proportion with the person’s increase in age. The older a person gets, the more likely his death is to come.
Let’s take a look the good and bad of no medical exam term life insurance. You must balance your own need for privacy and convenience with the potential for buying the lowest cost life insurance. In general, the easier it is to obtain life insurance, the more it will cost per every thousand dollars of coverage. This is not to pronounce that a 74 year old man should not go for simplified issue policies because they will plausibly not qualify for fully underwritten life insurance anyway. However, a healthy 40 year old woman should probably just go the fully underwritten underwriting process because it will let her obtain a much larger face value of insurance for less money!
Do you have a condition or injury that has kept you from passing a physical exam to get life insurance in the past? Perhaps you're overweight or diabetic? Whatever the case happen to be you may still be able to buy coverage by getting what's called a 'no exam life insurance' policy.
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