 |
|
FAQs
Instant-Term-Life.com provides a comprehensive overview of life insurance topics, including term life, term life vs. permanent life insurance, online life insurance, no medical exam life insurance, smoker’s life insurance, and life insurance company information. This page is an overview of frequently asked questions.
- Why is life insurance necessary?
Many people either believe life insurance is unnecessary or that it’s not affordable. The consequences your family may face if you die prematurely should be enough motivation to consider life insurance for their financial security. Without coverage, in the event of your death, your loved ones may be severely impacted by the loss of your income. More…
- Why should I consider term life insurance over a permanent policy?
Both types of life insurance offer significant benefits, however, term life policies are much more affordable because they only cover a specific period of time. Permanent policies, on the other hand, have higher premiums because they are spread over the entire life of the policy. Request a quote online in just minutes with Rapid Decision Term Life.
- What is the process for the online application?
Rapid Decision Term Life provides a straightforward, quick and easy life insurance quote request process. As long as you answer a few health questions, there is never a medical exam required. Thus, you can quickly receive approval and instant coverage.
- Do I need a medical exam?
No, with a quote through Rapid Decision Term Life, a medical exam is not required. All you need to do is answer a few health questions. This expedites the approval process since medical exams can draw out the approval time with most life insurance policies. More…
- What are the life insurance options for smokers?
Smokers pay higher premiums because they are classified as high risk by insurance companies. More…
- How do I make sense of life insurance terminology?
Visit our comprehensive glossary for helpful definitions. More…
- How can I sort though all of the life insurance companies to make the best decision?
The best strategy is to research all of the potential companies, but that can be very time consuming. To simplify this, Instant-Term-Life.com provides a comparison of a variety of top companies in an at-a-glance chart. More…
- Is there an easy way to determine the best coverage and term?
To assist you with determining the best term life insurance policy for your needs, Instant-Term-Life.com provides a Life Insurance Needs Assessment
Instant-Term-Life.com is not a life insurance company, broker, or carrier, and we cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. Policies and products may not be available in all states, and product and policy information is subject to change without notice. Please contact your insurance company directly to answer your policy inquiries.
Fidelity Life Association is licensed in all states and the District of Columbia, except for WY and NY. Rapid Decision Term Life (Policy Form F3600) and some riders are not available in all states. A two year suicide exclusion and contestability period applies (one year in some states). All applications are subject to underwriting approval. Our NAIC number is 63290. Life insurance without a medical exam may not be available to all customers and we make no guarantees regarding same herein. A medical exam may be requested based upon medical history and other factors. Rapid Decision Term Life is not an insurance broker or carrier. We cannot make changes to existing life policies, nor can we issue policies. Life insurance products and services may not be available in all states. Information regarding life insurance products is subject to frequent change, and while we try to keep our site as up to date as possible, we cannot guarantee the accuracy of information on our site at any given time.
|
| |
