Can I buy term life insurance without taking a medical exam? Can I do everything online? I hate getting out of my house here in Mobile, AL.

Sandara

Mobile, AL

Hi there, Sandara. Modern technology offers us a lot of convenience in transactions. You can now do almost anything online! In fact, I just read about a crematorium offering online burials. Of course, it does not literally mean getting buried in the internet but that relatives in far away places can log on to witness the burial of a loved one – no more need to fly home just for the cremation or burial.

Now, let’s go back to your question. In a word, yes. Most insurers in the US, including Mobile, AL, offer the option of a no exam life insurance and provide online quotes regarding this. You can do most of your research online by typing in your zip code on the forms. This gets you access to a variety of free online life insurance quotes from insurers in Mobile, AL. You no longer have to meet with an insurance agent just to find out how much the premiums are going to cost for the type of coverage that you need. Of course, at some point after you have selected a local insurer, you may need to make physical contact (as opposed to the thus far, virtual communication) with your insurer. No need to worry, though, you can probably ask your insurer to send an insurance agent to your home or simply to contact you by phone instead of having to leave your house to visit their offices.

Most insurers do not hesitate to accommodate reasonable requests of potential clients so don’t be afraid to ask for these concessions. After all, this test if your insurer is accommodating also gives an indication of how difficult it would probably be to make a claim in the future.

I have two friends here in Tulsa, Oklahoma who are both insurance agents and they are pushing me to get life insurance. However, one is saying I should get term life insurance while the other says I should get whole life insurance. Can you tell me the pros and cons of each?

Jesse

Tulsa, OK

Hi there Jesse. I’m sure your friends in Tulsa, Oklahoma only mean well in offering you life insurance. Please do not succumb to either one just because of peer pressure. It is best that you fully understand the product that you are getting.

Of course each of them have their own strengths that they bring to the table. But you are the sole decider on which most suits your needs. The difference in whole life and term insurance are as follows.

First is the duration of coverage. Term insurance, as the name implies, will only give you coverage for as long as the duration of the policy. With whole life insurance, you will get coverage for the whole of your life assuming the policy is still in effect. That is, you are still paying your premiums regularly, or you have completed the premium payments.

Second, Whole life insurance gives cash values on a periodical basis depending on your policy and may even earn you dividends with certain insurance companies and will still give your beneficiaries a death benefit. On the other hand, Term life insurance will not give you any cash values at the end of the term. In short, if you do not die, you do not win with term life insurance because you get nothing back at the end of the term. Hope these will help you come to a decision.

I feel quite resentful sometimes when after so much discussion, sales people say that I can’t get a certain service because I live in Alaska. You better tell me right away then, is no medical term life insurance available for people in Anchorage? Should I even bother?

Ian

Anchorage Alaska AK

Hi there Ian. I can feel your pain from where I sit! I can see how it could really be frustrating. The good news is, no medical life insurance is available to people in the US, including you residents of Alaska .

In fact, online term life insurance uses the internet as a medium precisely so that it can be made available to people who live far from the actual locations of the insurance companies. Distance should not be a factor. How this actually works, Ian, is that you can access information online about what types of life insurance coverage is available and at what price by giving preliminary information. Enter your zip code on the forms on this page and you can get free online quotes from insurers. Once you’ve selected the life insurance coverage and the insurance provider, your local insurance agent will probably make contact with you to finalize your contract. You don’t even have to take a medical exam anymore, these days. You just need to be forthright about any medical conditions you may have so that your insurer can also inform you accordingly about the limitations to their coverage as well as the appropriate price of premiums they would need from you.

Well, get on then, key in your zip code so you can start searching for the best no medical life insurance policy you can get.

I’ve just gotten onto your site by accident but am intrigued. Do you mean to say that I can actually get term life insurance coverage through online transactions? What about medical exams? Is this service available here in Hawaii?

Diego

Honolulu Hawaii HI

Hi Diego! Thank you for asking that question. Term Insurance companies are constantly seeking to improve customer services and online transactions are the latest innovations. The goal is not only to reduce your transaction time but also to provide as little need for you as a client to go out of your way just to apply for life insurance coverage, even in Honolulu Hawaii HI. The shopping portion – viewing possible insurers, viewing their products and the corresponding costs can be done online. In fact, you can customize the type of life insurance coverage that you need and subsequently receive free online quotes by entering your zip code in the forms on this site.

At some point, a local insurer would probably need to contact you, usually once you’ve already firmed up your selection. The good news is that insurers also provide no exam life insurance policy if you so wish. No need to leave your home, in fact, as some insurance companies also offer to send a representative to your home should you need to sign the contract or finalize the policy. The process is a hit as about 50% of insured clients in the US transact online.

I suggest you start with getting the free term life insurance online quotes, Diego, and experience for yourself the hassle-free application process for the no exam life insurance policy.

Someone is selling me term life insurance here in Fort Smith Arkansas. I’m wondering though, how would I know that term life insurance is the right life insurance for me? Any tip?

Bart

Fort Smith, AR

Term life insurance is one type of life insurance that you can buy in Arkansas that is purely life coverage. Meaning, it has no cash value or investment side. Because of this, you will be paying life insurance premium to protect yourself if you die. If you will not die, what you have been paying will go to nothing. This type of life insurance is good for you if:

• You are looking for life coverage at a very affordable life insurance rate.
• You are in good health and at the early age because term life insurance is cheaper if you have no health condition or you are not old. This means that it is purely protection of your life should unexpected death occur.
• You are looking for simple protection which is currently affordable for you.

This condition is enough reason to buy term life insurance policy. But if you think that you want your life insurance to be an investment at the same time, you can choose to get any product of the permanent life insurance. You just have to ensure that can afford the life insurance premium.

If you want to evaluate the costs, you can request for a free life insurance quote from this site. They provide you the exact life insurance quote applicable.

What do I need to do to get a cheap term life insurance policy online?

Arman

Thank you for asking Arman.

It is very important that when trying to purchase the cheapest life insurance rate online you need to consider other factors apart from price of the policy. These factors may be able to help save a lot of money in the future even though the insurance companies may not have the cheapest term life premium. For example, you need to ask yourself : is the company financially strong? Does the company have the best renewal rate in the area? Is the insurance provider insisting on a medical exam? Cheap term life insurance is always available everywhere but it also has to have other features at the same time.

Cheap term life insurance online can be found by looking for an an independent insurance agents for advice and price quotes or you can do it yourself. There are term life insurance providers that will give you a term life insurance policy that exactly matches your needs and an independent advisor can steer you to the right insurance providers.

Goodluck!

MariCAR