Term life insurance for couples. Buy Life Insurance Online Compare Rates + Fast Approval

Americans are notorious for wanting something right now! Buy life insurance online.

We procrastinate as long as possible, and when the buying moment hits, we want it and we want it now!

Shopping for life insurance is no different!

We get new clients every day because they buy life insurance online instantly! Sometimes, we don’t even get a phone call before their application is already filled out!

Life insurance is one of the most important purchases that you’ll ever make. Waiting too long could leave your family with thousands of dollars of debt and no way to pay for any of it.

Buying life insurance can be a long and frustrating process, but it doesn’t have to be. We can help make it a simple and easy process to get your family the insurance protection that they need.

If you’re wanting to get life insurance as quickly as possible, there are several things that you should know before you start your search.

Having the perfect life insurance policy is one of the most important decisions that you can make, and there are a lot of companies and websites out there that are looking to take advantage of you. That’s why we are here to help.

This article is going to explore the different options for getting life insurance as quickly as possible and saving money while you do it.

Buying Life Insurance Online

More than a decade ago, you had to call around to multiple life insurance carriers and talk to a big collection of insurance agents to find a policy, then carve out time from your busy schedule to go meet them and fill out lengthy applications.

With advances in technology and an extreme market of consumers’ ever-changing needs, buying life insurance online instantly was an imperative evolution.

As the buying process and needs changed, so did the insurance carriers. While some were slow to make the alteration to electronic applications, others pioneered the pathway to what we now think is just another purchase online.

Some, for one reason or another, still haven’t made the move.

What Does It Mean To Buy Life Insurance Online Instantly?

Some of the bigger sites who advertise being able to give you life insurance quotes online don’t really live up to what they say.

They get you to put your information in a giant form, they add you to their ever-growing list, and they proceed to call you constantly from annoying call centers to “get your quote” you requested.

Which company is best for term life insurance

A true way to buy life insurance online instantly really means you only need to supply your date of birth, gender, amount of coverage you want, and how long you want it for. This basic information should yield you a quote the moment you hit “Submit” at the bottom of the form. Like this:

The next step should be the ability to instantly reveal all of your quotes, without the need to answer a slew of calls from a call center person who is paid hourly to just file you through a database like your just another number.

If you use an online life insurance buying platform like ours, you get to not only see your quotes immediately, from all the major life insurance carriers, but you can also take your time and find what is right for you. You can make as many modifications as you like until you find the right carrier, the right policy, and the perfect premium for you.

Find A Policy Which Fits Your Needs Perfectly

Some companies and websites will send you an application in the mail and expect you to send it back when you’re finished! That’s not instant, either!

If you want life insurance, and you want it right now, why shouldn’t it be as easy as buying something on any of the major retail stores for any other product?

You can pick the policy you want, complete an application right away, and the only thing left to do is answer some medical questions and e-sign your application.

Leave the pen where it is. Let your mouse do the work.

Your processing time is cut from days (or even longer than a week!) to virtually no time at all. The standard buying period of 4 to 6 weeks has been drastically cut down with the ability to buy life insurance online instantly. In the world that we live in, people don’t have time to sit around and wait for life insurance coverage.

Want To Buy Life Insurance Online Instantly Without An Exam?

Yes, this exists, too! You can buy life insurance without even having to take a physical! Not all companies will offer this, but we know the ones who do.

These policies are a great for those who do not want to wait to have life insurance for their family. You can be accepted for coverage in a matter of hours. These policies are also great options for anyone that couldn’t purchase coverage through a traditional plan that has a medical exam.

If you have any pre-existing conditions and you’re looking for life insurance with health issues, you could be denied life insurance through a plan that requires that you take a medical exam first, but with these plans, just about anyone can get quality insurance.

You will pay a slightly higher premium in order to do it because the insurance is taking all the risk by not knowing your complete health profile, but if you need affordable high risk life insurance right now, it’s by far the fastest way to buy!

These no exam policies are going to be the best option for getting life insurance as quickly as possible. In some cases, you can get life insurance than less an hour, but there is a notable disadvantage to these plans, aside from the higher premiums.

Most insurance companies will only let you purchase around $250,000 worth of life insurance, which isn’t enough coverage for most families. Not having enough life insurance is one of the worst mistakes that you can ever make for your loved ones.

No medical life insurance

If you need more life insurance than that, you’ll need to but two plans or apply for a traditional insurance policy that requires the medical exam.

Maybe you’re pregnant and wondering if you can qualify for life insurance while pregnant. It is possible! There are several different things that you should know if you’re pregnant and looking for life insurance, but don’t let that scare you away from getting affordable life insurance coverage. Having a baby is a wonderful time of your life, but it’s also a time that you should start planning for the future. Let our professionals guide you in your search.

If you need life insurance right now in order to satisfy a business loan, this is an extremely viable option. If you just plain hate needlesor medical exams of any kind, then it’s definitely your type of policy!

Buying life insurance online instantly is truly that: instant. If you find yourself on a site where you can’t buy it immediately, or you’re struggling to keep all the calls at bay from multiple companies, save yourself the hassle!

There are thousands of sites out there that claim they will give you life insurance “instantly,” but the majority of these companies are just looking to get your phone number.

All of those “instant” life insurance companies aren’t legit. Some of them are still going to require a medical exam, while others are going to charge you insane premiums. Don’t waste your time going through the fakes and phonies.

Getting Affordable Life Insurance

Everyone wants to save money any way that they can. Life insurance is no different. If you’re looking to get an affordable life insurance policy and keep more money in your pockets, there are several things that you can do to ensure that you get the best monthly premiums available.

Diet/Excercise

One of the first things that you should do is to improve your health. There are several different ways that you can do that. The first is to improve your health through a diet and exercise. Both of these are going to work wonders on your body as well as your bank accounts. After you complete the initial paperwork for the life insurance policy, the company is going to schedule a paramedic to complete the medical exam (unless you choose a no medical exam policy, of course), and the results from the test are going to play a huge role in how much you pay for your coverage. A diet and exercise are going to help you lose weight, lower your blood pressure, lower your heart rate, and much more. All of these benefits are also going to help you get better results from the medical exam, which means lower premiums for your insurance policy.

Smoking

The next way to get an affordable policy is to improve your health by cutting out any bad habits like smoking or using chewing tobacco. Being listed as a smoker on your life insurance policy is going to cause your premiums to go through the roof. Smokers will pay twice as much as a non-smoker, with some companies, you could pay three times as much. If you want to save money, the best way is to cut those cigarettes out once and for all. If you don’t want to quit smoking, we can help you find the best life insurance company for smokers. Each company is different, and they will all view the different kinds of tobacco and smoking differently depending on their rating system. You could receive drastically different rates for cigars or chewing tobacco from different companies. Some companies will give occasional cigar smokers non-smoking rates, while other companies automatically lump you in with smokers. On a similar note, there are companies who will give chewing tobacco users non-smokers rates. If you use chewing tobacco, it’s VITAL you connect with one of those carriers.

Shop Around

The best way to ensure that you’re getting the most affordable policy is by working with an independent insurance agent to help you compare quotes from dozens of insurance companies. Just like you would compare the prices of TVs or cars before you bought one, you should always look at the insurance rates from dozens of companies before you decide which one works best for you. Because every company uses a different system for calculating their insurance premiums, you’ll get drastically different rates for the same coverage. Comparing policies could save you hundreds of dollars every year.

You could spend weeks calling dozens of different insurance agents getting quotes from different companies, but your time is valuable. Let us do all of the work for you. We can help save you both time and money on your insurance policy. Because we are independent insurance agents, we don’t represent one single company. Instead, we can give you quotes from several different companies at once.

How Much Life Insurance Do You Need?

Aside from finding the best insurance policy to fit your needs, it’s important that you purchase enough life insurance to protect your family. It’s a delicate balance between purchasing enough life insurance and not paying for more coverage than you need. There are several factors that you need to account for when calculating your insurance needs.

The first things that you need to look at is your debt and any final expenses that your family would be left with after you passed away.

If you were to pass away today, your loved ones would be responsible for all of your debts and much more. This could leave your family burdened with thousands and thousands of dollars in unpaid expenses. Don’t forget to include your burial and funeral expenses in the calculations. Make sure that your insurance plan is large enough to cover all of those bills.

Term policy

The next thing to account for in your annual salary and how many of your family members rely on that income. If you were to pass away, if you’re one of the main income earners in the household, your family would struggle financially if you were to pass away.

One common thing most people don’t think about adding into their life insurance is any donations they want to make. If you want to give back to your community after you pass, a life insurance policy is an excellent way of doing that.

In fact, you can have a portion of your life insurance policy automatically donated to the charity of your choice in your will. A lawyer can set everything up for you.

Having too little life insurance can be as detrimental as not having any insurance at all. It could leave your family with a bunch of leftover bills and too little money, which can make an already difficult situation much worse.

On top of the emotional strain, your family would be left with financial strain as well.

Let Us Help You!

We’re here to make your purchase as quick and painless and possible. Trust me, it makes it easier on us, too!

If you have any questions, we’d love to help. If you have medical concerns, you may want to call us before filling out your online life insurance application, because we want to make sure you get the most accurate quote. We know that buying life insurance can be a difficult and confusing process.

There are dozens of different types of policies that you have to choose from, and thousands of companies that all claim they have the best policy for you. We can make the process simple and easy.

You never know what’s going to happen tomorrow. Don’t wait any longer to give your family the insurance protection that they need. Nobody wants to think about his or her own death, but it’s vital that you plan for the inevitable.

While buying life insurance online instantly is a great way to get coverage quickly, it isn’t always the best option. In most cases, you’re going to pay much more for this instant life insurance policy. If you’re looking for the most affordable life insurance option, going with a term plan that requires a medical exam is going to be the best choice.

Unless you have a specific reason to get an instant life insurance policy, we always suggest that you work with one of our agents to go through a more traditional route and save money. In some cases, you could save thousands of dollars on your life insurance policy.

Sure, you won’t have the luxury of getting coverage within the hour, but it’s worth waiting to save money on your protection. Regardless of which type that you choose, it’s vital that your family has the insurance they need and deserve. Let our agents discuss your specific situation and help you decide which option is best for you and your loved ones.