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No Exam Life Coverage

For most people the biggest hassle involved in finding life coverage is undergoing the medical examination. It may seem ridiculous, but the vast majority of insurers consider an examination performed by your own doctor unacceptable. However, there do exist “no-exam” insurance plans that allow you to find coverage for protecting yourself and your family without having to submit to any medical exams at all. What Exactly Is a “No-Exam” Coverage Policy? It is a type of coverage policy that does not require a medical exam of your health to qualify for approval. In the vast majority of cases you still…

Life Coverage Health Class Ratings

Health class ratings are a rating system used by insurance companies to determine your health status. Higher health ratings are given to people with excellent health while it goes down for ailments or diseases. The determination is done by the underwriter depending on a number of clauses like age, medical records and current health. People in higher health classes typically pay a lower premium compared to low rating holders. A good health means less risk on part of the insurance company and hence the lower rates. You can use the instant term life coverage quote form located on the site…

Life Coverage Approval with Sleep Apnea

Many people like you suffer from the negative effects of sleep apnea: excessive snoring, waking up out of breath and the strain on your relationship with your partner. According to a study by the Association for Respiratory Care, around 18 million Americans suffer from sleep apnea. More than just an annoyance or inconvenience, sleep apnea is also a major health concern that may have serious consequences for your ability to qualify for life coverage. It is considered a highly significant health condition by many insurance underwriters.

Return of Premium Term Life Coverage

If you would like to get all your money back at the end of the guaranteed 15, 20, or 30 year level term, you should consider a Return of Premium (R.O.P) term life coverage policy. Only a handful of insurance companies offer this type of product so make sure you talk with an independent insurance agent who can assist you with term life options with multiple life coverage companies. A question I hear all the time is: “how can the insurance company do that?” Meaning, how can the insurance company protect the policy owner in the event of a death…

The Difference Between Term and Permanent Life Coverage

If you’ve been shopping for life insurance you’ve probably noticed that there is term life insurance and permanent life insurance. Both have their advantages and drawbacks and are quite different from one another despite both being forms of life coverage. If you’re getting confused by the difference between term and permanent life insurance, consider what each offers in relation to what you’re looking for and decide on which policy is best for you. To help you navigate your way through the term vs permanent life insurance debate, each is broken down here in terms of what they cover and how…

Types of Life Coverage – What Is Best For You?

There are basically two types of Life Insurance. TERM and PERMANENT. Term Life Coverage It terminates at some point in the future. This is initially the lowest cost for a life coverage plan. You can purchase level term insurance at rates for a specific amount of time whether it be for 10 years, 15, 20, or even 30 years. This means for that block of time you purchase your plan rates are locked in. The insurance company will not raise the cost of insurance during this period of time. This is a type of life insurance that works well for…

How to Find the Right Life Insurance Company for You

Life insurance can often be a difficult subject for many people to think about. As humans we often naturally avoid thinking or talking about topics that involve our own mortality, or that of those we love. However most of us also know how important it is to have financial protection in place for our family in the event that the worst happens. So for those looking to make sure that the proper life insurance coverage is in place, how would we know which life insurance company out of the hundreds of options has the right policy to fit our specific…

Pacific Insurance Group Launches New Instant Term Life Coverage Quote Engine Service

Pacific Insurance Group releases information on how its new Life Insurance Quotes service will change things in the Life Insurance space for the better. Further information can be found at https://www.pacificinsurancegroup.com/. Bellevue, United States – June 13, 2016 /MarketersMedia/ — Earlier today, Pacific Insurance Group announced the launch of its new life insurance quotes service, set to go live 6/5/2016. For anyone with even a passing interest in the world of life insurance, this new development will be worth paying attention to, as it’s set to shake things up. Currently, with even a passing glance, a person will notice high…

The Benefits of Life Insurance

Life insurance. Does it benefit me or the loved ones I leave behind someday? Well the short answer is both but only with certain products. The most obvious and first benefit you may realize with life insurance is that it has a death benefit attached. The death benefit you choose should match the debt, future expenses and financial loss of your income. Many people don’t have enough insurance because they were never shown how to calculate their immediate and ongoing needs. Here’s an example of what we like to use to get the ball rolling. Your Life Insurance Needs You…