Cheap Life Insurance

Our goal at TermLife360.com is to provide consumers with low cost term life insurance.  With access to over 50 of the nation’s top rated life insurance companies, we’re able to offer the best and cheapest term life insurance rates available on the market.
One of the most common reasons that people don’t buy life insurance is because they think that it’s too expensive. This could be one of the most common misconceptions about life insurance that’s still floating around. Not having life insurance is one of the worst mistakes that you could make for your loved ones.
If you came here looking for low cost term life insurance quotes, you can fill out the quote request form on the side of the page or call us at the number on top of your screen.
Take 3 minutes to this full article and you’ll know more than 99% of consumers searching for low cost term life insurance and arm yourself with the knowledge to get the most affordable life insurance for your needs.
Life insurance is one of the best investments that you’ll ever make for the future security of your loved ones. If something tragic were to happen to you, your loved ones would be left with all of your debts and other final expenses. All of those bills can easily add up to hundreds of thousands of dollars. Losing a loved one is never easy, but being put in a hole of debt is going to make the situation a thousand time worse. Your life insurance plan will give your loved ones the money that they need to pay off all of those bills. (more…)

3 Critical Tips for Life InsuranceOver 50 Years of Age

It's a common misconception that life insurance over 50 years of age is expensive and that couldn't be further than the truth. Life insurance rates over age 50 are a lot less expensive than you would think.
We encourage you to use our instant quote tool on the side of the page to see for yourself how inexpensive life insurance over 50 is. However, just be aware that the long you wait - the more expensive life insurance will be. (more…)

Life Insurance Drug Test

When you apply for life insurance coverage, the company is going to look at dozens of different factors to determine how much risk that you are to insure. One of the biggest factors during the application process that’s going to impact your life insurance rates is the medical exam, which will include a drug test.

One thing that seems to constantly surprise people when applying for life insurance, is that there is a life insurance drug test. The life insurance drug testing is done through a blood and urine sample.

Hard drugs like cocaine, methamphetamine, heroin and other opiates are usually grounds for an automatic rejection of your life insurance application.   While marijuana, alcohol or tobacco use is insurable - you'll just pay a higher rate based on your usage.  (more…)

High Risk Life Insurance

high risk life insuranceLife insurance is one of the best purchases that you could ever make for your loved ones. If something tragic were to happen to you, your family would be left with a massive amount of debt and other final expenses. A life insurance plan will ensure that they have the money they need to get through the difficult time.
Many consumers with health or lifestyle issues have a hard time finding affordable high risk life insurance rates.  That's because high risk policies are a specialty area in our industry and to get the most affordable life insurance rates, you need to work with a high risk life insurance expert.
You see, every life insurance company looks at your health differently and it's up to your agent to find the company that looks most favorably at YOU.
If you've been declined or rated for life insurance or told you can only get guaranteed issue life insurance, you probably just used the wrong life insurance company or the wrong agent. Life insurance is one of the most important investments, if you’ve been declined in the past, don’t let that stop you from getting the insurance protection that your family will need. Even if you’re in poor health or have several pre-existing conditions, there are several options that will work for you, and we can help connect you with all of the choices.
This process isn't as easy as quoting you a rate over the phone - it takes some work on our end to contact underwriters and "pitch" your case.  If you were declined life insurance and your agent didn't go through this process with you - then please give us the opportunity to earn your business. (more…)

Accidental Death Life Insurance

Accidental death life insurance is a common form of insurance but many people purchase it not really understanding what they are getting.  It is important to understand what the coverage means, the other options available, and how to get accidental life insurance quotes.
There is a lot confusion surrounding these accidental death policies, and part of that is because they also go by “Accidental Death and Dismemberment” insurance. Both plans are the same thing and will give insurance payouts for specific situations. This article is going to clear up some of the questions that you may have about accidental death life insurance coverage and help you decide if these plans would work for you.
Life insurance is one of the best things that you can ever buy for the security of your family. You don’t want to think about anything bad happening to you, but you can’t predict the future, which means you should always plan for the worst. If something tragic were to happen to you, and you didn’t have the proper coverage, your family would struggle to pay for all of the debts and expenses left to them. (more…)

Cancer Life insurance

Nobody wants to think about anything bad ever happening to them, but the truth is, you never know what life is going to throw at you. It’s important that you have the insurance protection in place. Cancer life insurance is one of the additional insurance policies that you should consider buying.
Cancer life insurance is a very specific type of life insurance.  We are more than able to help you get quotes by filling out the form on the side of this page or you can keep reading to learn about the advantages and disadvantages of cancer insurance. (more…)

Cheap Life Insurance Rates

Finding a deal on cheap life insurance rates is just as easy as getting a deal on cheap auto insurance or cheap dental insurance.  The key is to know what type of life insurance to get, when you are getting the best prices and how to evaluate the companies.

Types of Cheap Life Insurance

There are a ton of different types of life insurance.  Anyone who is not familiar with the different options can easily feel that the life insurance companies are muddying the water in order to keep the average consumer from being able to determine on their own what type of life insurance they need.   If you are in the market for cheap life insurance there is really only one option; term life insurance.  Term life insurance is the simplest form of life insurance in that there is no cash value.  To put it simply when you buy term life insurance you are only buying insurance.  There are no investments or managing of money.  This allows the rates to be cheaper because you do not have to pay any fees for management of the account.
cheap life insuranceIt's important that you understand the other types of life insurance. Getting the right type of insurance coverage is one of the most important decisions that you’ll make. There are several types of polices that you’ll need to compare and contrast to ensure that you’re getting the right type of plan. Yes, term insurance is going to be the cheapest, but that doesn’t automatically make it the best decision.
The other main type of coverage is a whole life insurance policy. These policies are a permanent form of coverage, which means that as long as you continue to pay the monthly premiums, you’ll have life insurance coverage. These plans are a great option for anyone that doesn’t want to worry about reapplying for life insurance in the future. Because these plans will never expire, they are going to be more expensive than a term plan, but if you’re worried about losing coverage in the future, then these may be a better option. Another unique advantage of whole life plans is that they build cash value inside of them. The longer that you pay the premiums, the more value is built up, which you can borrow against or use to pay premiums for the plan.
Another type of life insurance is a no exam plan. These plans are exactly what they sound like, life insurance without the medical exam. If you’re wanting to get life insurance but don’t want to go through the health tests, a no exam plan can be an excellent option for you. On the face, no exam plans seem like the best option for coverage, but there are a lot of disadvantages to these plans.

Pros and Cons of No Exam Life Insurance

The most notable advantage to no exam life insurance is obvious, there is no medical exam. That means that the insurance company won’t be able to use your current health against you. If you have severe pre-existing, then it could cause you to be declined for life insurance coverage, but with a no exam policy, the life insurance company won’t get that information, which could give you a better chance of being approved.
Another advantage is that you can be approved much faster than you can with a traditional insurance plan. With a normal life insurance policy, you could wait several weeks to get approved for life insurance, in some cases, you could wait a month. With a no exam plan, you can be approved for coverage in a matter of days. Some insurance companies will get you approved in as quickly as 24 hours.
Some of the disadvantages of no exam plans can cause a serious problem when you’re trying to find the best plan. The most notable pitfall is that they are going to be more expensive than a traditional insurance policy. Without the medical exam, the insurance company is taking a great risk to give you life insurance, and they are going to offset that by charging you higher premiums.
Another drawback of these plans is that you’re going to be limited on how much insurance coverage you can buy without taking a medical exam. Most insurance companies will only sell you around $250,000 without taking the health test, which isn’t enough coverage for most families. Not having enough life insurance is one of the worst mistakes that you can make for your loved ones.
Those are the main types of life insurance that you can choose from, and it’s vital that you look at them all to decide which one is going to meet your life insurance needs the best. If you have any questions about the types of life insurance above, please contact one of our agents today. We would be happy to answer those questions and connect you with the best plan available.

Finding Cheap Life Insurance Rates

Getting the lowest cheap life insurance rates is as simple as getting a set of free quotes.  You can get those quotes from this site by filling out the form on this page.  If these quotes are at all confusing just head over to our page for understanding term life insurance quotes.  There are tons of sites online that will give you a set of quotes.  What makes our quotes some of the best is that we shop over 50 different life insurance companies.  Since term life insurance is so competitive you are going to get the best rates by using our widget.
Regardless of which company that you choose, there are several ways that you can trim down your monthly premiums and keep more money in your pockets. Making a few simple changes can save you thousands of dollars on your life insurance policy.
The first thing that you should do is cut out any tobacco that you currently use. If you’re a smoker, you’re at a much high risk of being diagnosed with severe health complications like cancer or having a heart attack, which means that you’ll pose a much greater risk to the insurance company. They are going to offset that risk by charging you higher monthly premiums. In fact, smokers are going to pay around twice as much for life insurance versus what a non-smoker is going to pay for the same sized coverage.  If you want to save thousands of dollars on your life insurance, it’s time to kick the bad habit once and for all.
Another way that you can get lower rates is to improve your overall health. Before the company will give you life insurance, they’re going to require that you take a medical exam (unless you buy a no exam policy) and the results of those tests are going to play a major role in how much you pay every month. If you want to get lower premiums, you’ll need to get better results from the health tests. The two best ways that you can do that are by getting regular exercise and sticking to a healthy diet. Both of these can help you lose weight, lower your blood pressure, lower your heart rate, and reduce your chances of being diagnosed with health problems. Being in a healthy weight range can lower your monthly premiums by 50%. If you want to save money, it’s time to lace up those running shoes and hit the gym.

Evaluating Cheap Life Insurance Companies

Once you find a couple of companies that are the cheapest for your specific needs.  The key is to make sure you have a company that is reliable.  When you look at your term life insurance quotes all you need to look at is the A.M. Best rating in those quotes.  A.M. Best is a company that measures the financial health of insurance companies and then assigns them a letter grade similar to what you would get in school.   The highest grade is A++ and the lowest is F.  If the A.M. Best rating is A- or better then the company has at least an excellent rating.  To make sure you are getting a good company just pay attention to the letter grade next to your cheap life insurance rates.
At TermLife360.com we are dedicated to helping you find cheap life insurance rates.  If you ever have any questions or if there is any way we can serve you please let us know.

20 Year Term Life Insurance

Understanding 20 year term life insurance is not very difficult once you break the pieces of the coverage down into smaller parts.  There are in fact a bunch of different types of life insurance that can be explored. If you came here to get a life insurance quote then just fill out the form on the side of this page.  The rest of this article will help you to understand 20 year term life insurance and break it down in easy to digest pieces.
Life insurance is one of the best investments that you’ll ever make for the future of your family. Life insurance is one of the only ways that you can ensure that your family will have the money that they need, regardless of what happens to you. (more…)

Cheap Term Life Insurance for Seniors

When you apply for life insurance, the company is going to look at dozens of different factors to decide how much they are going to charge you in monthly premiums. One of the most notable factors that they are going to look at is your age. The older that you are, the more that they are going to charge you. If you’re a senior, you may assume that a life insurance policy is going to cost you a fortune every month, but that couldn’t be further from the truth.
Cheap term life insurance for seniors is not a mythical beast that cannot be tamed.  Instead it can be achieved by taking good steps and being methodical about the process.  If you came here looking to get quotes instead and not information on bargain term life insurance for seniors just fill out the form on the side of this page and we will be happy to help you through the process on a personal level. (more…)

Life Insurance for Diabetics

The idea of life insurance for diabetics has always generated a large number of questions and, as a result, misconceptions.  In fact the only group that has more misconceptions about life insurance are smokers. If you are a person with diabetes there is no reason to not understand what your options are when it comes to diabetic life insurance so we put together this set of frequently asked questions that we get about diabetes life insurance.
If you’ve ever been told that you can’t get affordable life insurance coverage because of your diabetes, don’t believe it. Regardless of your health or any pre-existing conditions that you have, it’s possible to get affordable life insurance for your family. This article is going to look at the various questions and factors that you should be aware of when you’re shopping for coverage. (more…)