Term Life Insurance Best Kept Secrets - LifeQuote

Term Life Insurance
Best Kept Secrets

Think you understand the life insurance industry? Think again. You might not know as much as you think. It’s a complicated industry with formulas and categories that determine how risky you are to insure, thus, how much you will pay for coverage. This section provides a cross section of valuable information and life insurance secrets that just might give you a nice deal for your money.


January 14, 2019

Term Life Insurance for 45 Year Old Males

When you reach middle age–your 40s–though you are still young with a long life ahead, you start thinking about the future and begin to make some arrangements for your retirement. It is this time in your life when you are more concerned […]
August 6, 2019

How Would You Get Your Kids Through College?

Millions of people across the U.S. report having some kind of disability. Spreading awareness for special needs is the best way to eliminate the harmful stigmas that create barriers to seeking help and protection.
February 25, 2020

Best Policies If You Have a High-Risk Health Condition or Risky Profession

Just because you have a pre-existing condition or dangerous profession, doesn’t mean you can’t get life insurance. Find out what the best policies for high-risk individuals are in this post.
June 4, 2019

Living Versus Death Benefits

No matter who you are or what your background is, if you would like to protect your loved ones from financial burdens after your death, getting quality life insurance coverage is the best route to take. This is especially true […]
October 1, 2019

Term vs. Perm Life Insurance | Differences & Similarities

Raising children can be incredibly rewarding, but also very expensive. Find out what it costs to raise a child and how life insurance living benefits can help you secure their future.
October 5, 2018

Return of Premium Rider: A Policy Add-on for Term Life Insurance

Return of Premium Rider For a Term Life Insurance Policy: A return of premium rider is a policy add-on that returns the premiums paid on the term life insurance policy if the policyholder outlives the term. This is a compelling proposition […]
February 28, 2020

Life Insurance for Expectant Mothers

Adding a baby to the family can be a happy, but stressful experience. Learn how expectant mothers can protect their growing families with life insurance coverage in this article.
January 28, 2019

Buying Paid Up Additions: Build Cash Value and Increase Death Benefit

Are Paid Up Additions a Good Idea to Build Cash Value and Increase your Death Benefit? If you own or are considering purchasing permanent life insurance coverage, also known as cash value life insurance, you will be interested in learning […]
April 20, 2016

Secrets of the Best Life Insurance Companies in the US

Best Life Insurance Companies Have Some Secrets There are close to two thousand life insurance companies in the U.S., making choosing the right one quite a challenge. You are probably not sure what factors to consider when weighing your decision. […]
September 14, 2018

How to Buy Life Insurance with Cancer – Best Life Insurance Policies

Contrary to popular belief, being diagnosed with cancer (even terminal cancer) does not necessarily mean you will not be able to purchase a good life insurance policy. Many different variables will be considered during the life insurance underwriting process. Your […]

Term Life Insurance FAQs

How Do I Pay My First Premium?

All checks must be made payable to the insurance company you chose. Premium checks are routed by LifeQuote to the insurance company. LifeQuote does not accept any premium checks that are not made payable directly to the insurance company. Some companies will accept a premium with the application.

Can I use my last exam?

Doctors see patients for a variety of reasons. Sometimes it may be a blood pressure check- other times to follow up on a certain condition. The insurance exam asks and looks for specific questions that relate to risk in overall medical condition, and give the underwriter what he needs to proceed.

Can I Use My Doctor For a Life Insurance Exam?

An insurance exam has to be impartial and provide objective information relative to risk assessment. Often a personal doctor is a patient advocate- and wants the client to do well. So do insurance companies, but with all the accurate information needed to make a fair decision. Additionally, a client can ask a personal doctor not to disclose certain information (doctor-patient privilege), which may be a conflict of interest for the doctor to act as both an agent for the company and the potential insured.

How Do I Obtain Coverage?

Once you decide which policy is right for you simply complete a simple online Coverage Request, or e-mail us with your specific request. A complete application kit will be promptly sent to you. Your kit will include all forms and consumer information required in your state. All forms are marked and are easy to complete. Just follow the simple instructions that we provide with the kit or on our web site.

If you prefer, you can call 800.521.7873 for any questions about your kit. You will be contacted by the medical exam service to schedule an exam at your convenience. LifeQuote will send you periodic reminders by e-mail if you have any outstanding requirements. LifeQuote will handle all the details to obtain your coverage as quickly as possible. Once you have been approved, your policy will be delivered to you for inspection. State consumer laws require a “free-look” period. This means if, for any reason, during the free-look period, you change your mind, you may return your policy and receive a full refund from the insurance company.

LifeQuote makes insurance buying simple and trouble FREE.Approval of an application is solely at the discretion of the insurance company and is not guaranteed

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LifeQuote FAQ

We want to make sure you fully understand who and what LifeQuote is and this is the area where we clear up any confusion or possible misconceptions about our company.

Here you will find some frequently asked questions related to LifeQuote.

Is LifeQuote a Life Insurance Company?

No, LifeQuote is an independent company that provides an internet consumer service and markets life insurance policies from all of the top life insurance companies.

Does LifeQuote Sell All the Products It Quotes?

LifeQuote is an independent company. We do not work for or are a part of, any insurance company. We do select from most of the competitive products available based on LifeQuote´s criteria. On rare occasions, we may even quote a product we do not normally offer in the special interest of the consumer. If so, we will advise you of that fact.

What Are My Choices at LifeQuote?

LifeQuote constantly reviews new products and rates from the top-rated insurance companies in America. No one company has the “best” life insurance product for every age, amount, or situation. Your personal needs are unique. We at LifeQuote understand this. Therefore we always provide a selection of competitive products from different life insurance companies. The selections shown are the competitive rates currently available. Rates may change when the insurance company actually evaluates your insurance application. Which one is best for you? That is a personal decision.

What Does LifeQuote Provide For Their Customers?

LifeQuote is an independent company providing consumer Life Insurance Information and free life insurance price comparisons from selected insurance companies. LifeQuote provides numerous choices based on premium and other criteria. We do not make the choice for you, but we do provide you with highly Competitive Life Insurance Quotes and the information to help you make an informed choice.

To find out about your coverage needs please visit ‘How much do I need’.

To get a FREE Life Insurance Quote please visit ‘Get a Quote’.

For more information on life insurance visit our Homepage.