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.


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. […]
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 […]
April 9, 2020

Can I Sell My Life Insurance Policy? | Selling Your Policy for Cash

Selling your unwanted or unaffordable life insurance policy can help you cash out on your policy instead of losing it to your insurer. Learn the requirements and processes involved in a life or viatical settlement.
February 4, 2019

Life Insurance Beneficiary Rules for Spouse

In simple terms, a life insurance beneficiary is a person who is entitled to receive the death benefit. There is no hard and fast rule that only your spouse or children can be named as your life insurance beneficiaries. There […]
April 30, 2020

Why Do Men Pay More for Life Insurance?

Men typically pay more for life insurance. But with the help of an experienced agent, you can still get affordable coverage. Learn about the difference in gender-based risk factors and how to save money on your policy.
December 30, 2018

Changing Beneficiaries During Divorce

Many married couples name each other as beneficiaries on their life insurance policies. During a divorce, your life insurance agent or company won’t necessarily know about your circumstances. If you don’t change your beneficiary, your former spouse may receive the […]
October 21, 2018

Life Insurance Application: What Questions You Should Expect

Filling Out A Life Insurance Application: It’s not uncommon to be curious about questions that you will be asked on your life insurance application. Questions related to your hobbies, health status, family history, traveling experience and lifestyle are found on […]
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.
August 16, 2019

How Life Insurance Helps With the Cost of Raising Children

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.
August 20, 2018

How to File a Life Insurance Claim: A Step by Step Process

To begin the life insurance claim process, it is recommended to contact the insurance carrier as soon as possible following the death of the policyholder. The claims representative will require some paperwork and important documents like death certificate and a copy […]

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.