Do you own a term life insurance policy?


If so, you may be able to save money by comparing rates for a new plan now.


Why consider updating your coverage? Because rates are now on the rise, after declining for several years.


Source:  ChicagoTribune.com


The window might be quickly closing on consumers' opportunity to refinance at great rates -- not their home mortgages, but their term life insurance, experts say.



Tips to help you save:


1. Lock-In Rates now.
2. Opt for longer terms, such as 20 or 30 year term life.
3. Shop Around - Compare plans from several carriers.


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Here's how you can shop and compare the lowest instant term life insurance quotes online from over 70 top-rated life insurance companies now.

If they're sick now, the only life insurance they could get, would be a guaranteed issue policy, like Globe Life Insurance and Mutual of Omaha sell.

However, you have to pay into it - and live - at least two years after the policy starts, before they'll pay out on a death claim. This is called graded death benefit life insurance coverage and is usually one of the only options available for sick people.

So, it's worth a shot . . . but if they don't live at least two years, it's not going to help you out.

Learn about guaranteed acceptance life insurance plans and how they work.

Life Insurance for elderly?

Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated.

He has a soon to expire term life insurance policy at the present.

He wants the best for his money.

Is a term insurance policy still the best type of policy or would another policy be better?

Answer:  Considering the age, term life insurance may ogffer an affordable option that can provide life insurance for up to 30 years.

To learn more, please read this article explaining Life Insurance for Elderly people.

Did you know that 10% of the population has a fear of needles. In fact, it affects that many people to the point where they avoid needed medical care.

The fear of needles is called Trypanophobia, which is basically a fear of injections. Another name for fear of needles if Belonephobia.

But what can you do if you need life insurance and you have a fear of needles, or injections?

Now there's an answer. You can apply for term life insurance with no needles required.

That's right.Now there are life insurance plans available online from highly-rated insurers which offer you up to $500,000 of term life insurance protection with no medical exam, no needles, and no blood tests.

And, if you qualify, you can start your life insurance today.

here's how to get Term life insurance No needles required.

If you have been looking for life insurance but you don't want to take any physical exam, blood or urine tests, you do have options available.

Now there are several insurers that offer no physical exam life insurance.

Here are a few things to know before comparing plans:

1. Rates vary by insurance company.

2. The amount of coverage will also vary by insurer.

3. Some plans offer limited coverage the first 1-2 years.

4. The financial strength ratings vary by insurer so compare ratings as well as price. The higher the financial rating of the company the better.

You may be able to qualify for up to $500,000 of term life insurance without any physical exams, just a few health questions to answer.

Here's how you can learn more about finding the best price no physical exam for life insurance protection.

Are you over the age of 60 and wondering if you can purchase life insurance?

Many people believe just because they are retired, or over 55 they may be unable to qualify for, or purchase affordable life insurance protection.

Now it's quicker and easier than ever before for people over the age of 60 to shop and compare plans for life insurance.

And, you don't have to meet with an agent in order to compare life insurance quotes and companies.

Now you can shop online over the internet and request free quote comparisons side-by-side from several highly rated life insurers without any hassles, delays, or having to sit down with an insurance agent.

Please visit this article on Life Insurance for People Over 60 to learn more, and to request your free life insurance quotes.

If you're shopping for life insurance you may be wondering if life insurance proceeds are taxable?

Actually, if you name an individual as a beneficiary to your life insurance policy, that person would receive the proceeds from your lfie insurance policy free from any federal income tax.

One of the best types of life insurance to consider is term life insurance because it provides the most life insurance at the lowest price for up to 30 years.

Learn more about Life Insurance Tax and how they apply to your life insurance policy.

What is term life insurance and how long does it last?

Term life insurance is life insurance that provides temporary coverage for a specific period of time.

That means your life insurance coverage lasts for the term of your policy.

When purchasing term life coverage you choose the term of your policy - 10, 15, 20, or 30 years. This is the length of time your life insurance is "In Force" if you continue to pay your life insurance premiums.

If you outlive the term of your policy, your life insurance coverage ends.

Term life insurance is the most popular form of life insurance because it offers the lowest rates.

Shop and compare life insurance quotes online from top-rated insurers with no obligation to find the best prices from quality carriers.

Are you interested in learning about the incontestable period for life isnurance?

What is incontestable period and how does it work?

The incontestable period usually lasts for two years when applied to life insurance.

What is it? The incontestable clause in a life insurance policy states that after a policy has been "In Force" for two years, the life insurance company cannot void it because of misrepresentation of concealment by the insured in obtaining the policy.

Basically, if you lied on your life insurance application, your policy cannot be voided as a result; however, the premium may be adjusted if you lied about your age, or smoking, etc.

Learn more about life insurance terms online here.