I’ve seen a lot of confusion lately about the difference between non-guaranteed and guaranteed universal life insurance. In this post, I’ll break it down for you so that you can make an informed decision on your future financial security.
Non-guaranteed is not as good as guaranteed because there’s no guarantee that the money will be there when you need it most. With guaranteed, at least the company has to pay up if they say they’re going to!
- Online Life Insurance Quotes
- Get Life Insurance Quotes
- Whole Life Insurance Quotes Online
- Term Life insurance quotes no medical exam
Online Life Insurance Quotes
Did you ever go online looking for the best life insurance quote? We all have!!
In fact, all we want to do is get the best deal, to not overpay. Well, then you know that there are many online life insurance websites on page one of Google.
You may have filled out many online forms like the one on the left that you see to get instant life insurance rates.
News Flash!! We all have the same Quotes!
**The Key is who is the maker and not the faker!!
Free Instant Life Insurance Quotes Online
When you are sitting at your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it is important to understand that the quoter on most websites only reads what information you put in.
In order to get accurate quotes, you will need to speak to an independent agent. For instance, the agent will gather the right information in order to accurately pinpoint the accurate rating class which will determine the price.
Remember, the instant quote online will not read current or past health conditions. In addition, every insurance carrier will loom at you differently. So it is very important to talk to an independent agent that is knowledgeable.
Get Life Insurance Quotes
Above all, the motivation behind getting life insurance is that you are needing to protect something. For instance, you have children, a mortgage, or a spouse that is a homemaker, just to name a few.
Somehow there will be someone or something that is dependent on you, we call this insurable interest. So you will need to figure out how much you need and for how long. Instead of talking about a mortgage, college tuition, I keep things very simple. I base everything on three very important things:
- The Youngest Child’s Age, because he/she is the one depending on you the most financially.
- What you make a year in a salary, because if you die tomorrow usually your paycheck dies with you.
- How many years until retirement.
Now that we have a starting point, let’s talk about what kind of life insurance quotes we will see online.
Instant Online Term Life Insurance Quotes
In order to receive accurate information online for instant term life insurance quotes you have to give the insurance age, coverage amount, and some personal information like your phone number.
This way when you speak to the independent telesales agent they will have all the accurate rates for you. Once you both isolate the accurate rating class, quote, carrier, then you will complete your application.
Whole Life Insurance Quotes Online
Getting Instant life insurance quotes online is a very simplistic process, Or it should be!
Whole life insurance is a life insurance policy for your entire life. It is usually 3-5 times more pricey than say a traditional term policy. The main reason is that the carrier KNOWS it will have to cut a check for a death benefit.
WHOLE LIFE INSURANCE NO MEDICAL EXAM
Most whole life insurance application is submitted with no medical exam. This process is favored by many as an easy and simplistic no-hassle way to get life insurance.
If you are over the age of 60, getting a no medical exam life insurance for seniors is usually a final expense or burial policy under $50,000.
The process of applying is very simplistic.
Instant life insurance quotes online are as easy as 1,2,3!!!
Figure out what your need is and how much coverage you need to accomplish your goal.
Fill out the application and submit it to the carrier.
Get approved, pay for your policy, and your covered!! It’s as easy as 1,2,3!!
Above all, instant life insurance quotes and getting coverage is really that easy.
Instant Online Final Expense Quotes (Our Top 3 Carriers)
Where to buy final expense insurance? That’s a great question, here are our top 3 final expense life insurance carriers. Over the years we have considered these 3 carriers the best final expense insurance companies in the industry. These carriers will also offer coverage for seniors over 75.
These life insurance policies offer superior coverage with a lot of options. In fact, living benefits are built into the policies offering chronic, critical and terminal illness riders.
What does final expense insurance cover?
- Final Funeral Arrangements
- Loose ends and unsettled debt
- Money for loved ones
Here is our TOP 3 Instant Quote Final Expense Carriers
#1 Mutual Of Omaha
Level Benefit Plan
- Ages 45-85
- Amounts $2,000 to $40,000
- Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement
- Accidental Death Rider
Mutual Of OMAHA Living Promise is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses, or debt that you may leave behind.
Graded Benefit Plan
- Ages 45-80
- Amounts $2,000 to $20,000
- There is a 2-year graded period. The beneficiary would receive all premiums plus 10%. After 2 years the full benefit would be paid in full.
#2 Phoenix Life
Phoenix Remembrance Life is a whole life final expense insurance with living benefits. This life insurance policy offers a lump sum death benefit, Accidental death benefit, and an advance up to 95% for serious illness.
The Critical Illness rider gives you the option to accelerate a portion of your death benefit if you are diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant, or ALS.
The Terminal Illness rider gives you the option to accelerate a portion of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less.
- Issue ages 50-85 and up to $35,000
- Ages 81-85, $15,000
- Accidental Death RIder Built Into the policy and is active up to 80 years old.
Foresters PlanRight Final Expense policy offers up to $35,000 in a death benefit. You can get instant approval within 10 minutes with a voice signature. Easily the fastest process for consumers that are in good health.
- Ages 50-80 $20,000
- Ages 81-85 $10,000
- Graded for the first 2 years, Year one 30% of the face amount, year two 70% of the face amount, year 3 100%
Term Life insurance quotes no medical exam
Above all, term life insurance is the most cost-effective life insurance you can purchase. In fact, if you’re just starting out with a family and a career it is the best way to protect your family.
We all remember the financial ups and downs that we go through when we start a family. Furthermore, having low-cost insurance will make life’s financial transitions easier.
With that said, some consumers prefer a no-nonsense fast, and easy process when getting coverage. Many carriers offer a no exam term life policy. In fact, I have had these policies go active within days of the application.
“I just had a 64-year-old client who was diagnosed with type 2 diabetes at age 38, taking 3 diabetes oral medications (No Insulin), A1C range 6.5-7.2 get approved in 4 days for a Table 2 standard rate with No Exam with American National!!!”
At your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it’s important to understand that the quote on most websites only reads what information you put in. This means if you are looking for quotes online and don’t know how to make sure they’re accurate, we can help! Simply contact us today and our team of experts will be able to take care of everything for you so that all you have to do is get the best deal possible. With PinnacleQuote’s streamlined process from start to finish as well as its ability to provide competitive rates across many providers with one simple form submission (and without having to call anyone), an affordable rate could be just a call away.
National Independent Agent/Owner
The convenience of a no exam policy is great for consumers on the go. However, if a consumer has health issues that could be getting worse.
A no exam may be the best bet at an affordable rate, especially if the insurance company rates you differently because of fluids (Blood, Urine).
No Medical Exam Life Insurance Carriers, Best Quotes
No Exam Life Insurance is as easy as 1,2,3!! American National is our top no exam carrier up to $250,000, PERIOD!! This fantastic product has living benefits built into the policy.
In addition, they have underwriting sweet spots such as:
- Cigar and Smokeless Tobacco,
- Sleep Apnea,
- Mild Depression/Anxiety, and
- Adult ADD
They also have Preferred Exceptions For Family History for:
- Colon Cancer
- Coronary Artery Disease
- Prostate Cancer
In addition, Standard Plus Consideration for:
- Prostate Cancer
- Type 2 Diabetes
- Coronary Heart Disease
#1 American National
- Critical Illness Rider
- Chronic Illness Rider
- Terminal Illness Rider
ANICO Signature Term Express
Offers up to $250,000 for ART, 10,15, 20 & 30 Year Level Premium Policies.
Availability: Age 65 and below; Standard & Substandard Rate Classes Only.
ANICO Signature Term Express
- Up To $250,000 with no exam
- ART, 10, 15, 20, 30 Year Level Premiums
- For 65 Years And below
- Standard/Substandard Rate Classes Only
NO MEDICAL EXAM LIFE INSURANCE QUOTES
No Exam Life Insurance Quotes – Instant Approval (100% Online)
Why would I buy life insurance online? Well with the technology today, why not. In fact, getting a no exam life insurance coverage can be achieved within minutes.
The application process is nothing more than a few questions in some cases. The insurance agency you deal with should give you the top life insurance rates when buying life insurance.
Furthermore, when you apply online to get affordable life insurance you only want to deal with the top life insurance company.
Not only is there no exam types of life insurance such as term life and whole life, but there is also a no-lapse universal life with Sagicor. This policy has coverage between $25,000-$400,000 and up to age 121.
Here is my contact information if you have any questions on this policy. Or to get a life insurance quote online, click the quote box on the left.