Why Choose
LifeInsure.com
At LifeInsure.com, we prioritize your convenience and peace of mind. Our platform is designed to provide you with instant, transparent life insurance quotes from the industry’s best companies—without the need to share your personal information.
Here’s what sets us apart:
- Instant Quotes, No Hassle: Get your life insurance quotes instantly without sharing personal details.
- Transparent Pricing: Find the most accurate rates, free from hidden fees or surprises.
- Top-Rated Companies: Access quotes from industry-leading, A-rated insurance providers, all while we work independently for you.
Frequently Asked Questions
Are the quotes from website guaranteed?
Unfortunately, we can’t guarantee the quotes. They are estimates based on the information you provide on the website and application process. The final quotes are revealed at the end of the underwriting process and will be based on your application information, health information, and other details gathered during the process. If you have answered the questions honestly and there are no surprises during the underwriting process, there’s a strong chance your final quotes will match or be close to your original quote.
How do I know if I’m getting the best rates?
You can find out if you’re getting the best life insurance rates on this website. Our quote engine searches quickly to find you the best rate and policy. It’s to your advantage to have us working for you because, as an independent broker, we work with the major life insurance companies in the market today. As we are not beholden to any one company, we always look after your best interests first and foremost.
What is a health class?
Life insurance companies factor in health and lifestyle information to determine the risk of insuring you would present to them. In order to determine premiums based on different degrees of risk, the insurance companies have established health (or risk) classes. There are no industry standards, but the health classes are typically Preferred Plus, Preferred, Standard Plus, and Standard for non-tobacco users. Below these classes are sub-standard (or rated) categories. There are also separate classes for tobacco users.
Which Policy should I choose?
For term life insurance, we recommend the least expensive A-rated company, unless you have a preference for a company you are familiar with. As there is very little difference between term policies, we recommend the lower-cost options.
As permanent policies have several “moving parts,” we can review your options with you and recommend the best policy for your needs.
If I smoke cigarettes or use tobacco, does that affect my insurance rates?
The answer is yes, it will, but you still can get competitive rates. Some companies charge less for tobacco use than others. If you smoke cigars occasionally or chew tobacco occasionally, a few companies will still offer preferred non-smoker rates. Contact us at 866-868-0099 so we can get the lowest possible rates that match your situation.
Also, if you get a life insurance policy that includes a rate for tobacco use, it’s possible to lower it in future years if you quit tobacco use for several years and remain healthy. We go back and work with the insurance company to try to lower your rate, and in most cases, we can do that for you.
Does my weight affect my life insurance rate?
There are different rate classes for life insurance. When calculating the exact rate for you, the company does take your weight into consideration. There is a height/weight chart on this site that can give you an idea of how weight affects the way insurance companies might judge your rating class. Our quoting engine takes your height and weight into consideration when calculating your rate class and premium.
How long will my application take to approve?
The application processing time varies case by case, but the average time is 3 – 6 weeks from the time we receive the application in our office. The factors that slow down the process are applicant failure to completely answer questions or send in additional information and physicians’ slow response in submitting medical records to the insurance company
Will I need a medical exam?
If you are applying for a no-exam or “accelerated underwriting” policy and are in excellent health, chances are you won’t need a medical exam. However, most policies today require an exam.
The exam typically includes blood and urine samples, blood pressure readings, height and weight measurements, and a questionnaire (additional tests, such as EKG, might be required due to age or death benefit applied for). As it is recommended that you fast for eight hours before the exam, we usually suggest you get your exam first thing in the morning, if possible.
Will my premiums ever change?
In a level-premium term life policy, your premiums will never change during the term period. If you choose to renew your policy at the end of the term, your premiums will increase significantly. In some flexible-premium universal life policies (without lapse protection), your premiums can change.
Do insurance companies have a money back guarantee if I change my mind?
Yes, insurance companies will refund any deposit if you change your mind while your insurance application is pending. Also, after you get your policy, you can have a full refund under a 20-30 day free look period. If, for any reason, you decide to cancel your policy after you have paid for the policy, you can do that without any questions asked within the free-look period.
How to Find the Best Rates on Term Life Insurance
Consumers are fortunate that in the insurance marketplace today, anyone can go online and get an insurance quote instantly from multiple companies by completing a quick form. Most independent insurance brokers like LifeInsure.com represent many of the highly rated insurance carriers and will also have companies available to handle high-risk cases.
LifeInsure.com is an experienced and reputable insurance brokerage that is willing to provide advice, answer all your questions, and walk you through the underwriting process and the issuance of your insurance policy. Whether you term, whole life, or universal life insurance, LifeInsure.com has experienced professionals who will gladly help you in the process of getting the insurance coverage you need.
When it comes to planning for your family’s financial future, you want to understand everything you can about the choices available to you to make the right decision.
Speak with an Insurance Professional
For more information about Term Life Insurance, call the professionals at LifeInsure.com. You can reach LifeInsure.com at (866) 868-0099 during normal business hours or contact us through our website at your convenience.