Life Insurance 101

Life insurance is the foundation of any solid financial plan.  It allows you to provide essential protection for your loved ones if you were to pass away unexpectedly.  If you are shopping for life insurance, congratulations on making one of the most responsible decisions of your life.  Our goal is to make the experience of protecting your loved ones as easy as possible.  If you are looking for life insurance coverage, there is a good chance you have some questions.  Here are the answers to some of the most common life insurance questions.  You can also find even more valuable information on our blog.

Why Do I Need Life Insurance?

If you died during your earning years, how would your family replace your lost income? The answer is life insurance.  Protecting your loved ones with life insurance is one of the most responsible decisions you can make. Read More..

How Much Life Insurance Do I Need?

Buying the adequate amount of life insurance is very important.  The last thing you want to do is leave your family financially vulnerable if you were to pass away unexpectedly. Read More..

How Long Do I Need Life Insurance Coverage?

Deciding how long you need life insurance is an important part of the buying process.  You want to make sure you are covered while you are most financially vulnerable. Read More..

What Kind Of Life Insurance Coverage Do I Need?

When considering life your life insurance coverage options, you can either choose term life coverage or permanent coverage. Determining which product is the best for your situation depends on your goals.  Read More..

What Are My Life Insurance Product Options?

Choosing the right insurance product to meet your needs is very important.  Life insurance planning isn’t a “one size fits all” process.  There are several types of term and permanent life insurance products available.  Read More..

How Do I Find The Best Rates For Life Insurance?

There are so many life insurance companies to choose from, each with its own rate and underwriting guidelines.  How do you navigate through all of these choices?  Read More..

What Is My Life Insurance Health Class Rating?

Your health class rating for life insurance plays an important role in determining your premium.  When you get a quote for life insurance, it makes sense to know your health class rating so you can do an “apples to apples” comparison of rates. Read More..

How Do I Get Life Insurance If I Have Health Issues?

If you have an existing health issue, you might think that you will be declined for life insurance or that it you won’t be able to afford the higher rates.  This might discourage you from applying for coverage even though you need it.  The fact is that you can get a ‘Preferred’ health rating if you have mild to moderate health issues in some cases.  Read More..

What is the Life Insurance Medical Exam Like?

When you purchase a fully underwritten life insurance policy, you will be required to take a paramedical exam.  The paramedical exam is a fasting exam.  You can take the exam in the convenience of your home, at your work or at a diagnostic center. Read More..

How Do I Prepare For The Life Insurance Medical Exam?

The paramedical exam is an important part of the underwriting process.  In order to get the best results on your paramedical exam, follow these simple steps. Read More..

Can I Get Life Insurance Without A Medical Exam?

There are several types of no medical exam life insurance policies.  Some no medical exam policies require you to be healthy to qualify for coverage while others ask no medical questions whatsoever. Read More..

What Is The Process For Buying Life Insurance?

At Term Life Answers, we make the process of buying life insurance as easy as possible for our clients.  In many cases, the entire process can be completed in 5 easy steps. Read More..

How Do Life Insurance Companies Evaluate Me?

Life insurance companies are very thorough when it comes to underwriting applicants.  They look at a number of different factors before determining your health class rating.  Before you apply for life insurance, it is important to understand how you will be evaluated. Read More..

How Do Life Insurance Riders Work?

Life insurance riders allow you to add features to your policy for more comprehensive coverage.  Riders come at an additional cost but can offer some additional benefits that can be used during the life of the policy.  Read More..

What Are Some Other Uses For Life Insurance?

Life insurance is a versatile product that can be used in many different ways.  There are many personal and business uses for life insurance that you probably didn’t know about.  Read More..

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