All of this information is right at your finger tips with our online life insurance comparison quoter.

Many sites sell your information to around 7 agents to call you for quoting life insurance and asking you additional questions. If you go to multiple sites, just take that number 7 and multiply it by how many sites you requested a quote from and you can expect roughly that many life insurance agents to call you up.

Here I can safely say, your information is not sold. This is not a site for gathering information, this is a site for giving you information.

Insurance Carriers in your state use the same price models for every agency and agent, so you will get the same price where ever you go if you are buying from the same carrier.

For example, you were just watching tv and a commercial came on advertising MetLife with the Snoopy character and you decided to go online and do a little research to see what coverage you could get to fit your budget by doing a life insurance comparison online.

You headed to your favorite search engine and type in your search for life insurance comparison and a page full of options quickly appears. You choose to check out the site that catches your eye first and promptly fill in the online form.

Instantly after answering a few questions you get a list of Carrier Names along with MetLife so you can see how they stack up against each other.

You then go back to the search engine and pick another page and repeat the process, hmmm, the same results from this life insurance comparison tool as the other one.

Maybe you even go on to a third and find the same results again, before you realize they all have the same Carriers with the same prices and you just gave away your information to a lot of people.

Well you are smarter than that. Great choice in using this life insurance comparison tool.

click here

Many of the quoting sites online sell your information to multiple agents and your phone will be ringing off the hook shortly after submitting your information.

If you go to multiple sites and get quotes you can estimate each site will sell your information up to 7 times, so 4 sites multiplied by 7 times each is getting you 28 agents calling you from your life insurance quotes online.

That may not be a bad thing if you take the time to keep a notebook and pen handy by your phone, note the information from each agent and do some comparing on your own.

Note: The insurance carriers set the prices for your state, age group, health and gender. The top rated carriers are sold by most agents and you will be likely getting the same quoted price over and over.

I have provided you a life insurance quotes online tool here at the upper right of this page. Your information will not be sold. I am a licensed agent and will work with you to get the best price for your needs.

Life insurance quotes online give you a general price based on the information you provide. That price is not set in stone. Some policies require some degree of health exam and all applications go through underwriting. If there is something in your medical records or from your exam, that may change the cost of your policy.

Weigh the amount of insurance you need to cover paying off debts, replacing income and funding college to the amount you can fit in your budget.

Life insurance quotes online here is a great place to gather your information.

Level term life insurance guarantees you level premiums for the term of the life insurance.

The common term durations are 10, 15, 20, and 30 years.

Premiums paid each year do not change for the time period of the contract.

Premiums are based on the total cost per year’s annual renewable term rates, with time value adjustments of money calculated by the carrier. This means that the longer the period of the term, the more the premium will be.

This averages in the older, more expensive to insure years into the premium amount.

Many level term life insurance types have a renewal option that allows the insured options to renew for a capped guaranteed rate if the insured reaches the end of the term and needs to renew to keep coverage.

Please note, the renewal might not be guaranteed so review the contract and poor health could cause you to be un-insurable through a term policy.

Decreasing Term Insurance, another of the life insurance types…

Decreasing term also known as mortgage life insurance pays out a death benefit that decreases in value over the life time ot the policy. The premiums you pay generally stay the same through the term of the contract. The decrease in payout value is normally monthly or yearly and the length of the term can be be anything from 1 year to 30 years.

This may benefit you if you are younger and have a new mortgage and car loans, and large debts to cover.

Take note, this should not be your only life insurance types coverage as it will not work well to replace your income to support your family.

Increasing term insurance, another of the life insurance types…

With a higher premium, you can sometimes buy an option that increases the amount of your benefit. This can increase by set intervals, annually, or upon an event – getting married or having a baby, for instance.

In buying this add-on your advantage is that the premiums are based on your health at the time you first took out the original policy, even if later your health is not so great.

Convertible Term Insurance, another of the life insurance types…

Convertible term insurance is coverage that allows you to convert to a permanent or whole life insurance policy.

A definite advantage to convertible term life insurance is that the carrier is bound by the terms and conditions of the policy to renew your coverage, even in the event that the insured persons health has declined. Many times, this translates to mean that as long as you make your payments on time and otherwise comply with the conditions of the policy, the coverage remains in full.

Renewable Term Life Insurance, another of the life insurance types…

Renewable term life insurance can be renewed when the initial term ends. For example, an annually renewable term life policy would allow the insured the option of renewing their coverage on a yearly basis. Renewable term coverage is attractive to many people because it offers the option of renewability without requiring further proof of insurability at renewal.

Permanent Life Insurance Types

Permanent life insurance or whole life is where the policy runs for the life of the insured, the payout is guaranteed to pay at the end of the policy (as long as you pay your policy premiums on time) and the policy will gain cash value.

Permanent life insurance was originally made available as a fixed premium fixed return policy as whole life insurance or cash surrender life insurance. This gave people guaranteed cash value growth and a steady premiums. Later, a policy with more flexibility was offered called universal life insurance.

Universal life insurance types allow flexibility for when premiums are to be paid and the amount that they should be. Permanent withdraws of cash from the policy are allowed without interest like the loan provisions in whole life policies. Universal life policies retain fixed investment growth of whole life policies. Variable life insurance follows the mold of whole or universal life, but it shifts the investment risk to the consumer along with the potential for greater returns. Variable universal life insurance combines this with the flexible premiums of universal life to obtain the most free form options for people to manage their own money (at their own risk). Greater returns possible with greater risk of the life insurance types.

Term insurance notoriously gets very expensive as we get older and very often is no longer a viable solution for your life insurance needs.  Policies referred to as Final Expense or Burial Policies can range from as low as $3000 to $25,000 in benefit coverage or more.

Generally speaking the health questions on the application are minimal and there is no medical exam. If you are having somewhat major health issues there are graded benefit plans that limit your benefit for the first 2-3 years. Once the graded time period is passed then the policy benefit would pay in full in the event of passing.

Universal life insurance is another option worth pricing for your needs. Universal life coverage can act like a whole life policy as long as you keep up your monthly premiums. This is also sometimes a less expensive option if you are looking for a larger death benefit, such as $100,00 or more.

Online shopping for your insurance needs allows you to take time, read carefully, compare prices and choose what is best for you. Also, all insurance companies charge the same rates no matter who the agent or agency is selling the policy. The rates are set per state, by each carrier, by rate class basically. So using an online quote tool that lists multiple carriers will give you a good comparison.

As a general rule as with any policy, you will need to designate a beneficiary. This is someone you can trust to carry out your wishes the way you want, not the way they want.  Writing such information down and keeping it with your policy is a nice idea too. For those you leave behind this will be one of the emotionally difficult times of their life and decision making can be overwhelming. Just make it a little easier by making the decisions for yourself.

There are also whole life final expense policies that are paid up in 20 years. That would give you a policy that was fully paid for in 20 years, so you don’t have to keep making monthly payments until you pass.

Life insurance over 50 and generally up to 85 years old can be obtained for whole life policies designated as final expense burial insurance.  Generally if you are terminally ill or living in a nursing facility life insurance is not an option. At that point, starting a savings plan to take care of your needs may be your best option.

Why not pre-pay at a funeral home? Well if the funeral director dies before you do, the new owner does not have to honor the funeral you prepaid with someone else. It could happen.

Life insurance over 50 is available to you, take the time to check out your options, do some price shopping and don’t put off getting the policy contract filled out and sent in.  The sooner you get it done, it’s done and you and your family have the added protection you need.

Google Adsense and the DoubleClick DART Cookie
Google, as a third party advertisement vendor, uses cookies to serve ads on this site. The use of DART cookies by Google enables them to serve adverts to visitors that are based on their visits to this website as well as other sites on the internet.

To opt out of the DART cookies you may visit the Google ad and content network privacy policy at the following url http://www.google.com/privacy_ads.html Tracking of users through the DART cookie mechanisms are subject to Google’s own privacy policies.

Other Third Party ad servers or ad networks may also use cookies to track users activities on this website to measure advertisement effectiveness and other reasons that will be provided in their own privacy policies, Life Insurance No Medical Exam has no access or control over these cookies that may be used by third party advertisers.

Collection of Personal Information
When visiting Life Insurance No Medical Exam, the IP address used to access the site will be logged along with the dates and times of access. This information is purely used to analyze trends, administer the site, track users movement and gather broad demographic information for internal use. Most importantly, any recorded IP addresses are not linked to personally identifiable information.

Links to third party Websites
We have included links on this site for your use and reference. We are not responsible for the privacy policies on these websites. You should be aware that the privacy policies of these sites may differ from our own.

Changes to this Privacy Statement
The contents of this statement may be altered at any time, at our discretion.

If you have any questions regarding the privacy policy of Life Insurance No Medical Exam then you may contact us at stacy.goebel@att.net

Here are additional life insurance no medical exam information sites, thank you for visiting my life insurance no medical exam site, I am here to help you any time...


Finding Life Insurance Policy Recipients Prove Difficult
How Much Life Insurance Do I Need?
How to Calculate Your Net Worth
Life Insurance an Estate Planning Tool
Life Insurance Wiki
15 Insurance Policies You Don't Need


]]> http://lifeinsurancenomedicalexam.org/privacy-policy/feed 0 http://lifeinsurancenomedicalexam.org/instant-term-life-insurance.php http://lifeinsurancenomedicalexam.org/instant-term-life-insurance.php#comments Mon, 22 Mar 2010 21:55:57 +0000 admin http://lifeinsurancenomedicalexam.org/?p=51 Q: What kind of coverage will I be getting with instant term life insurance?

A: Liberty Life Insurance Company offers a simplified issue instant term life policy for you. A great deal of financial experts agree term life insurance is the most economical insurance you can own.

Q: Would I be able to setup coverage online someone else, such as my spouse or my kids?

A: No. The applicant of the policy must fill in the health questions and sign the application using our e-Signature process.

Q: About how long should it take to find out if I qualify?

A: No longer than 10 minutes approximately, to see your coverage outcome.

Q: Would my benefits decrease over time?

A: We will never reduce the benefits on your policy.

Q: What about the premium? Will it ever go up?

A: NO. Your premiums for the amount coverage you enroll with will never go up for the length of the term.

Q: Is there a free look or money back guarantee period with this policy?

A: YES. You will have a full 31 days to be completely sure the coverage is right for you and your needs. If for any reason within 31 days you decide not to keep the coverage, return your policy for a full refund.

Q: Will there be a medical exam I have to take?

A: NO. You will need to answer just a few easy health questions online for this term life coverage.

Q: Is it safe to put in my personal info on the Internet?

A: YES. The forms are completely secure. All needed precautions and technology are in place to protect you and your personal information.

Q: I’m still not sure, can I speak to a rep on the phone and do the application that way?

A: Sure! We want to make you happy and the process as easy as possible for you. If you’d like to speak to me directly call 989-553-0421, my name is Stacy.

Q: How will I pay for this policy online?

A: Credit card or EFT (Electronic Funds Transfer – direct from you bank account). Payments can be setup for monthly, quarterly, semi-annually, or annually, whatever you prefer.

Q: Who receives the benefits from my term life insurance policy?

A: You choose anyone you want as a beneficiary, that person will receive the death benefit.

Q: Does the beneficiary pay taxes on the benefits paid?

A: Benefit amounts are normally paid tax-free. Consult your tax advisor for your specific situation.

The U.S. Treasury Department reports that more than $15 billion worth of savings bonds retained, stopped generating interest, nevertheless, are even now held by investors.

To check the status of a bond, go to savingsbonds.gov. Click on “Individual/Personal,” then click on “find out if your Treasury securities matured.” There you can figure out if your bonds are paying anything or how long you have to look forward to them gaining interest. If they’ve stopped gaining interest… you should check with us and decide if you should cash them in, and what to do next.

The sole thing you don’t want to do is keep a savings account that doesn’t earn any interest! You always want your money to earn a return for you.

Refunds Of Overpaid Income Taxes

Numerous (way too many) people we deal with get refunds of overpaid income taxes every year when they file their tax returns.

Forever, we’ve been reminding people NOT to get refunds. Rather, retain our aid for you to plan your income taxes so you get no refund, and have bigger paychecks all year long.

(You can do this totally legally, by adjusting your withholding’s down, so you get more each paycheck, and get rid of or reduce receiving refunds at tax time on your tax return… which are nothing more than interest free loans to the government!

So, here are two ways millions of Americans persist to lend money to the Federal government at zero interest, which we think you ought to have zero or absolutely no interest in doing!

If you require aid, you know who to ask. Let us help you establish sensible savings and tax programs so you minimize or stop loaning YOUR money to Uncle Sam for free!

Please keep in mind that this tip is intended to be of help for you, nevertheless is not to be relied upon as advice. It is simply a reminder that there are many choices you have accessible to you, and that planning is the only way to find the accurate results for your situation! As with any financial issues, make sure you get the accurate information previous to making a decision! If you have any questions, we’ll be glad to assistance you!

Do you have life insurance?

Do you have a mortgage?

Do you have dependents?

Do you have a spouse?

You need life insurance, now, not later.

15 minutes your done and covered!

Take a closer look at pension maximization…

Suppose you are retiring and are offered either a pension of $3,000 per month for the rest of your life (the single life option), or $2,500 per month for the lives of both you and your spouse (the joint and survivorship option).

For a married couple, the joint and survivorship option with the lower monthly benefit may seem like the best choice in the beginning, since it ensures continued income for a surviving spouse.

But, another possibility is to choose the single life option with the higher monthly pension benefit and use a portion of that amount to buy a life insurance policy on yourself, presuming that you qualify for a policy, subject to underwriting.

If you were to die before your spouse, the death benefit can provide your spouse with a source of income to help offset the loss of your pension benefit.

Death benefits depend upon the claims paying ability of the insurer, which is why we take great measures to work with top rated carriers.

 This strategy offers many advantages:

• You and your spouse get a higher monthly pension benefit. You can use part of these funds to pay the premium on the life insurance policy. As long as you maintain a sufficient amount of life insurance, it will provide your spouse with a source of retirement income if you die first.
• Cash value can provide a ready source of money for emergency or other needs. Cash value life insurance accumulates cash value on a tax-deferred basis, in addition to providing a death benefit. The insured may borrow against the cash value during his or her life. *Any unpaid loan amount will reduce the death benefit.
• Life insurance provides supplemental income for a surviving spouse. Death benefit or cash value proceeds are not subject to the minimum distribution rules that are inherent to other tax-deferred savings vehicles. +Death benefits are received income tax free when paid to a named beneficiary. Benefits may be used as a source of supplemental income or in whatever manner your surviving spouse chooses.

*Your life insurance policy may lapse if the premiums are not paid or if substantial cash values are borrowed and interest is not paid.

*A lump sum death benefit must be properly managed to yield the anticipated income.

* By waiving the spousal provision, your spouse may lose benefits provided with the pension, like health insurance or cost-of-living adjustments.

* The issuance of life insurance policies is never guaranteed. With so much at stake, you must consult with us BEFORE you select your pension payout option!

Please remember this tip is designed to be of help for you, but is not to be relied upon as advice. It is just a reminder that there are many options that you have available, and that planning is the only way to find the right answers for your situation! As with any financial issues, make sure you get the right info before making a decision! If you have any questions, we’ll be glad to help you!

Instant Online Quote Now click here

Life Insurance Agent Efinancial

Stacy S. Goebel

State License ID 0481100

Helping you evaluate your life insurance needs!

Efinancial Services was started to give insurance consumers quick, easy access to their life insurance policy.

Over 5 years ago, Founder and CEO Michael Rowell thought Life Insurance could be sold over the internet and or telephone rather than at the dinner table with your local insurance Salesman, this way customers would have the ability to shop and compare well known companies and choose the company that best fits them.

As Efinancial and some other companies have proved, online life insurance can save time and money.

Efinancial is a fast and convenient way to shop for and purchase life insurance 24-hours a day from the comfort of your home or office.

We have built and use a searching technology designed specifically to find you the best prices on life insurance, which saves you the hassle of calling a bunch of insurance companies.

We work with all the top rated and most respected insurance companies in the nation like Fidelity Life, ING and Transamerica, which means if something happens to you, your family isn’t going to have to worry about getting paid.

We’ve helped hundreds of thousands of individuals and families like you through life insurance purchase and we know these companies inside and out. We even know many of the underwriters at the insurance companies.

We monitor over 100 life insurance companies and allow only the best and most competitive insurers into the Efinancial network.

You can do all of your comparison shopping at one website without wasting your valuable time with several agents or other sites that only quote a few companies. We even offer policies specially developed for our site due to strong relationships with large companies all over the US.

Efinancial also has the most state-of-the-art advanced processing system available to help speed your life insurance request and keep you informed as to the status of your insurance purchase.

You will receive a weekly email keeping you informed as to the status of your life insurance purchase if you choose a standard policy that requires a medical exam, if you purchase a non med policy, there of course is no follow up for status, you are issued you policy instantly. If you ever have any questions you will always have the direct contact information for your Agent, Stacy Goebel direct cell 989-553-0421.

For insurance licensing training information:

Insurance Exam

We are proud to offer Insurance Pre-Licensing courses. Our Insurance Training courses cost less than a traditional classroom and saves on travel costs and keeps you from losing selling time. Available in nearly 50 States.