Learning the difference between term life insurance and permanent life insurance is only the beginning. Our experts are deeply familiar with the countless circumstances that can affect how, when and why you qualify for different life insurance policies. LifeQuote can provide expert guidance and will help you find the answers to questions you may not have known to ask. Are you a cigar aficionado? Find out whether or not you're eligible for non-smoker life insurance rates. Not sure if you're too old to get life insurance? We'll explain how age affects your coverage. Can you get life insurance if you have had a heart attack? When should you review your plan? Is life insurance tax-deductible? There are so many different variables factor into which type of policy would be most beneficial to clients with different needs.
Each client comes with a particular set of conditions, and we have the resources to help you sort through the fine print to find the perfect plan for your unique needs.
Ours is not your typical 'frequently asked questions' section. We have compiled an extensive list of specific, commonly asked life insurance policy questions that we have encountered over the years. We hope that our thorough guide will answer most of your preliminary questions, but if you require more assistance, we are still available to you in two convenient ways – shoot us a quick email or give us a ring at 1-800-521-7873.
Term Life Insurance FAQs
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.
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.
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.
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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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.