Tips To Help You Get An Affordable Life Insurance QuoteTips To Help You Get An Affordable Life Insurance Quote

With the convenience of the Internet, an affordable life insurance quote is no farther away than the click of the mouse. You only have to visit the site of one of the many life insurance companies online and choose the name of the state in which you live or enter your zip code to get started.

Next you give your date of birth, your gender and your weight and your weight and height. Choose the amount of coverage you want, which can range from $100,000 to $10 million and the term of the policy to continue getting online life insurance quotes (

Upon entering this financial and medical information, you will then be directed to a screen where you have to enter your medical information. Since insurance companies are taking a risk in insuring you they do need to know if you are in good health. The answers you provide to the questions help determine the life insurance quote you receive.

The questions ask whether or not you have been diagnosed with a serious medical condition, if you smoke or engage in dangerous hobbies, such as skydiving, the number of traffic accidents and violations you have had as well as your blood pressure and cholesterol levels.

This is the typical manner in which you can receive cheap life insurance via an online term life insurance ( quote without medical examinations. Once you enter the required information about your medical history and that of your family, you will immediately receive notification of how much this policy will cost you.

The choices in coverage amounts and terms of the policy determine the cost of the premiums as these do affect the quote for term life insurance. If the first quote you receive is too high for your budget, you can then change the amount and the term to request a new quote that will probably be more to your liking.

This method of obtaining a life insurance quote is a convenient way to see how much life insurance you can afford. It is important not to visit only one site and request a free quote. In order to know if you are really getting the most affordable term life insurance, you need to repeat the process on at least three sites and then compare the quotes you receive.

You can also obtain a quote for standard term life insurance in a similar manner but you will have to undergo a medical exam and lab tests. The process is much longer in that you have to wait until all the appropriate paperwork is completed in order to receive the policy and have coverage.

With online, low cost life insurance ( quotes your coverage is instant as soon as you make the payment for the premium and you can do this online using your credit card. You receive the policy as an email, but you will receive a paper copy in the mail. Then you have 30 days in which you can read the policy in its entirety and if you are not completely satisfied you can cancel the policy for a full refund.

Other choices that you do have in requesting an online life insurance quote include for a return of premium policy in which you will receive all the premiums you paid as a refund when you outlive the term of the life insurance. For many people this is an option where they can save money and have a life insurance policy in place at the same time. Unfortunately not many life insurance companies offer this option so you may have to do a bit of searching online.
by Allison Ryan
References and Bibliography
Allison Ryan is a freelance marketing writer from San Diego, CA. She specializes in financial planning, business finance, and online life insurance quotes. For low cost life insurance, check out!
Rated:NR/0 Votes
Add To My Article Reading List
Add To My Article Reading List
Print Article
More Article By Allison Ryan
More Article by Allison Ryan
More Articles From Make Money Online
More Articles From Make Money Online
Related Articles and Readings
Obtain Instant Online Life Insurance Quotes - No Medical Exam Required By: Sarah Martin
The older you are the more difficult it is to purchase life insurance without needing to have a medical exam Thankfully there are many insurance providers who specialize in this type of insurance and have an online ...
Choosing Life Insurance Policies is Not Tricky By: Angela Dalton
To ensure smooth sailing in our life we have to check whether we can save a few pounds today so that our tomorrow is also financially smooth We genuinely need to think and see what and how we can invest in one of the popular policies like the Pru ...
Choosing Life Insurance at Competitive Rates By: Jane Molano
We should always determine to make our work and life memorable and fun-filled experience Our home should be our financial investment and we have to think about the people who live ...
Various Policies That Help Protect Your Families Future By: Camila Machuca
What should be a right way to live We should live happily, peacefully and tension free life and this is possible if we are financially secured and invest in any of the leading life insurance policies like Marks and Spencer life ...
Tips For Requesting No Medical Online Life Insurance Quotes By: Sarah Martin
Most insurance companies require a medical exam to prove you are in good health before they will sell you a life insurance policy If you do have a medical condition that would cause you to be turned down for a standard policy, you can easily ...
The information provided in this article and/or the comments is the sole responsibility of their respective authors and does not necessarily reflect the opinion of  does not endorse any article and/or comments published by our web users unless otherwise noted. 

Member Panel

login to submit articles and more


  • » Active Categories: 419
  • » Active Articles:252603
  • » Active Authors:31917
  • » Active Members: 38237
  • » Statistics Updated:
    - Tue Sep 1st, 2020 09:28AM EST