Instant Life Insurance Quotes
Instant Life Insurance Quotes Online
Instant online life insurance quotes abound across the internet. In most cases these quote sites are published by online lead companies. You are asked to enter lots of personal information into a web form, you click a button, and then five different insurance agents begin calling, and calling, and calling.
Instant Life Quotes Without a Medical Exam
There are several considerations to keep in mind when comparing life insurance rate quotes without a medical exam. There are instant sample rates, guaranteed issue policies, and health-based premiums.
We provide you with instant sample rates for each policy type. These instant rates provide a generic example of what a policy with a specific death benefit, bought at a determined age might cost. No medical exam is needed to view these generic rate examples.
Guaranteed issue policies with fixed rates are very rare and difficult to find online. Policies bought directly are most often sold individually, which means you must pass medical underwriting criteria. If an existing medical condition requires you to find a guaranteed policy, you best bet is a group policy from your employer, or a voluntary employee benefit option sold at work. No medical exam is needed when purchasing face amounts below a defined threshold.
Premium rates are often based upon the age, gender, and health classification of an applicant. Young adults pay far less in premium than an elderly person. Premium costs vary by gender. Women tend to live longer than men, so the premium rate is often lower for women than men.
Health classification and wellness behaviors are often the biggest component of the rate you will end up paying for coverage. Smokers often pay rates 50% to 100% higher than non-smokers. Height and weight ratios are often considered as well. Many carriers will offer small face amount policies to individuals by asking only underwriting questions: health history, smoking, height and weight. Medical exams are not required for smaller face amounts, or for policies for children and young adults.
The rest of the us may have to take a medical exam. Applicants with diabetes, human immunodeficiency virus (HIV), high cholesterol, and other chronic medical conditions may need to take a medical exam to get higher levels of coverage.
Anonymous Life Insurance Quotes
You may not want to input detailed personal information in a webform just to get sense sense of what life insurance might cost based upon your age, face amounts, etc. Why give away sensitive personal information that may be passed to multiple insurance agents hungry to make a quick commission?
We provide instant sample rate examples that you can view anonymously. We ask only for an email address. There is no need to input your name, phone number, home address, or other sensitive information. Make online comparisons at your leisure. Determine which policy type best fits your needs.
Speak with an agent only when you want.