Get Online Life Insurance Quotes

Are you thinking about getting a life insurance policy? Good idea. Those that have a strong grasp on personal finance will tell you time and time again that having a good life insurance policy is an absolute must when it comes to getting your finances in order. Whether you are 2 years old, 18 years old, or even 60 years old - life insurance coverage is always a smart investment that comes with a very low cost.

The key to making sure you get the best deal on life insurance is to make sure to compare quotes from a few different life insurance companies. There can be a big difference in price from company-to-company, so make sure to review multiple quotes to find the right fit for you. To get started, simply enter your zip code in the box above next to the lady.
A life insurance quote is the quote provided to you for the rate you will likely be expected to pay in order to receive a life insurance policy. The quote can be either for a monthly rate, semi annual or annual amount that you would be required to pay to insure your life for the period covered.

A life insurance quote is premised on a variety of risk factors which are analyzed by the underwriters with a life insurance company. The quotes are based on what are called “actuarial tables” which considers your overall life expectancy based on the information you have provided or obtained by the insurance company.

The factors used by insurers to determine your life insurance quote are quite variable and extensive but essentially hinge on your age and overall health condition. Other factors such as your family medical history along with your occupation and lifestyle also influence how much you might be quoted.

Many life insurance policies will require that you be medically examined by a designated physician. Your medical history may also need to be obtained from your own physicians and through accessible data bases used by all life insurers.

High risk insurance is a specialty form of life insurance that is specifically designed to provide certain types of non-standard life insurance policies. Some companies specialize solely in providing high risk life insurance.

High risk life insurance for individuals can vary and can include people who have more sever health issues, or those who engage in high risk occupations that are considered to be dangerous and potentially have a greater mortality rate than other occupations.

Individuals who have been classified as being as high risk and have been declined for a standard life insurance policy can often find different types of policy specifically created for their situation. Generally these policies are for lower amounts of insurance at higher rates and may come with certain qualifications such as 2 year period which they must survive in order to qualify so that their beneficiaries can receive benefits.

Life insurance quotes generally do not vary from state to state as they are fairly standardized as compared to other types of insurance coverage such what you might pay for home or auto insurance for example.

One of the main factors that impacts how much you will be quoted for a life insurance policy is your age. Generally speaking, life insurance becomes increasingly more expensive as you age. Policies are much cheaper when you are in your early 20’s or early 30’s.

As you age, you are more likely to begin to develop a minor or more significant deterioration in your health as you get older such high blood pressure, increased cholesterol levels and other health issues that could impact your health and lessen your life span.

Some people are concerned that they may be required to purchase a life insurance policy if they are given a life insurance quote. This is not the case and there is no obligation on your part to buy a policy when you are given a quote. You are free to comparison shop elsewhere with other insurers or agents.

There are a variety of factors that are considered when you are given a quote and some of the main factors include the following:
  • Your age
  • The type of life insurance policy such as a term or permanent policy like whole life or universal life.
  • Your overall health such as whether you have diabetes, high blood pressure, high cholesterol, or have been diagnosed with a health condition that might impact your overall life expectancy
  • Your family medical history
  • Your lifestyle or occupation
  • Whether you smoke or use tobacco products, use e-cigarettes, or use marijuana