Life Insurance No Physical-Think Twice

You have probably seen advertisements in newspapers and magazines for life insurance requiring no physical examination, as a condition for getting insured. But what are the downsides of policies of this kind?  These policies are also known as “guaranteed issue” or “simplified issue” policies, with simplified issue insurance requiring that you just answer a few medical questions. On the surface of it, it seems like “no exam” is the type of life insurance that anyone would prefer. Why would I want to go to the trouble of getting a physical examination when so many companies seem very eager to sell me term life insurance no physical? Continue reading “Life Insurance No Physical-Think Twice”

Guaranteed Acceptance Life Insurance

Be aware: at first glance, guaranteed acceptance life insurance probably sounds like the easiest way to get life insurance, but the fact is it might be a much better deal for the insurance company than it is for you.

Have you ever wondered why there are so many advertisements for life insurance of the type that promise to guarantee you a policy? Where are the ads encouraging you to get life insurance that would require that you take a medical exam as a condition of being granted a policy? Is it possible that Continue reading “Guaranteed Acceptance Life Insurance”

What To Look For In A Life Insurance Quote

Are you looking to buy life insurance or renew the coverage you have?  In this article I’m going to give you all the tips and information you will need to get a good life insurance quote.

What Are The Fees

With life insurance the fees can vary greatly from one policy to the next.  For example when looking at a term life vs whole life insurance policies, term policies will hold the same cost of insurance through out the entire period of the policy but when you go to renew the policy the cost will usually increase depending your age and health.
Continue reading “What To Look For In A Life Insurance Quote”

Guaranteed Life Insurance

Maybe all the direct mailings and ads on the Internet have finally got you thinking that life insurance is something you had better purchase. Well it’s understandable, because if you have loved ones who would be negatively impacted by your sudden absence, a life insurance policy really is something you should look into. But maybe you know that your health is not perfect, or maybe you haven’t had a check up in years and the thought of a complete physical makes you a little nervous. Continue reading “Guaranteed Life Insurance”

Instant Life Insurance Quote


As bombarded as we are with life insurance advertising, it might seem as though it is an easy task to very quickly arrive at a very inexpensive solution to all of our life insurance needs. Well, there’s no doubt that an instant life insurance quote can be found very easily on the Internet or via direct mail advertising, but can you be sure that insurance which you buy in this way is the very best choice for you and your family? After all, you pay into most life insurance policies for decades: is this really a decision you want to make that quickly? Now make no mistake, there are plenty of reputable companies online that you can count on to deliver insurance at a good price. As an example, Kanetix offers the most comprehensive insurance marketplace to compare travel insurance quotes so you can enjoy your vacation. It’s really about doing your homework.

One of the main shortcomings of instant life insurance quotes is Continue reading “Instant Life Insurance Quote”

Term Life Insurance vs. Whole Life Insurance


Few people would argue the point that life insurance is a necessity, to protect the financial well-being of those you love should you pass away during your prime earning years. The question is, what is the best life insurance to purchase? Let’s take a quick look at the relative merits of the two most popular forms of life coverage: term life insurance vs. whole life insurance. Continue reading “Term Life Insurance vs. Whole Life Insurance”

High Risk Life Insurance Guide


When it comes to purchasing life insurance, do you think that you are out of luck because of a medical condition or because you have a lifestyle that involves activities that might be considered ‘risky’? Well, think again, because high risk life insurance policies are sold every day to people who fall into one of these categories. I want to outline a strategy that you can use to Continue reading “High Risk Life Insurance Guide”

Low Cost Life Insurance Guide


Many people neglect to even research taking out a life insurance policy, simply because they think these policies are too expensive to fit comfortably into their budget. However, it is still possible to find low cost life insurance. Just do a quick online search and you’ll be amazed by the amount of coverage you can buy for just pennies (or at least nickles) a day. But now I’m going to tell you why blindly rushing ahead and buying one of those policies sold just on the basis of their cost is the wrong thing to do. Continue reading “Low Cost Life Insurance Guide”

Taxes On Life Insurance


Do you pay taxes on life insurance benefits? It’s a fair question, and it should be part of the overall assessment of your insurance needs. After all, it’s hard enough when trying to calculate what your beneficiaries will need if you were to pass away, and tax complexities could completely throw off your calculations. While in general most life insurance plans are Continue reading “Taxes On Life Insurance”

There Is Such A Thing As Affordable Life Insurance


Any responsible person who has loved ones who depend on him or her financially had really better consider buying life insurance. This doesn’t have to be a morbid or unpleasant experience; you simply educate yourself through a site like Life Insurance Basics, then shop for an affordable life insurance policy, which can also easily be done online. The main reason people resist taking out life insurance policies is that they are afraid that the cost will be prohibitive for them. Fortunately, there is such a thing as Continue reading “There Is Such A Thing As Affordable Life Insurance”