Life Insurance Tools

Our goal is to create savvy life insurance consumers that are able to get the policy they want while staying within their budget. To do this we've pulled together several life insurance tools that will help save big money on your term life insurance policy.

Have Questions?

Get a Free Quote

Use our Smart System™ to compare quotes from top life insurance companies.

The ABC's of Applying For Life Insurance

The first thing you need to know is that applying for life insurance is absolutely free. There is no cost or obligation to you when you apply for a life insurance policy; the insurance company absorbs all the costs, including the medical examination you are required to take. Once you go through our system to request a term life insurance quote that matches your budget and you see the rates for each of the companies, you click on the one you want and begin the process of applying for life insurance. It's that simple. Our licensed agents can assist you in filling out the application online or on the phone, walking you through each question if necessary. It is essential that you be completely truthful on the medical questionnaire that is part of the application. Remember, you will have to take a medical exam during the process so the insurance company underwriters can determine the rate you will be offered for your policy. Your medical records from your doctors will also be examined.

Again, this insurance medical exam does not cost you a penny. You will be called to schedule it at your convenience, at your home or office. Life insurance medical exams are not complete physicals, but are basic tests done by a trained medical technician. They will take your blood pressure, an electrocardiogram (EKG) to evaluate your heart, and the medic will also draw some blood for testing.

While you wait for your policy to be approved, most life insurance companies offer what is called a Temporary Binder or Conditional Receipt. This is an opportunity to be bound by temporary insurance during some or all of the underwriting process. But the amount, conditions, and limitation of such coverage can vary by insurance company. Ask our licensed agents how it works for the life insurer you choose.

And even when you receive your approved term life policy, you have a so-called "free look" period giving you time to examine your policy and return it for a full refund if you are not satisfied with it. Those are the ABC's of applying for life insurance. Get your quote, pick a company, apply, and then wait for your insurance policy--- anywhere from 4-8 weeks from the beginning of the process. That is why you don't want to wait if you need insurance protection for your family now. Let our licensed agents help you get the coverage you need today.

We only quote top-rated life insurance companies you can trust See more companies