Simply complete the form to view your instant life insurance quotes!
The instant term life insurance quotes displayed on the next screen are pulled directly from the life insurance carriers rate books and updated any time there’s a rate change. With that said, the instant life insurance quotes you view on our site are 100% accurate.
When you find a rate you’re comfortable with, you can click “apply” and request an application. Well be in touch to coordinate the rest of the process.
See below for tips on completing the form.
The instant term life insurance quotes displayed on our website are pulled directly from the life insurance carriers rate books and updated any time there’s a rate change. With that said, the instant life insurance quotes you view on our site are 100% accurate.
The only variable we don’t know is your unique health situation and there’s no way for an instant life insurance quote engine to factor this in. If you’re not sure of your health classification, we recommend that you contact us or use the guide below.
CHOOSING A HEALTH CLASSIFICATION FOR YOUR INSTANT LIFE INSURANCE QUOTES
There is no way for you to know with any certainty what your health class is. The reason is all life insurance companies look at your health differently. The key in finding the best rate is to find a company that will look most favorably at your situation.
If you have no health issues and are in perfect health (less than 10% of you), then using an instant life insurance quote engine is easy. Just choose the Preferred Plus health class.
For the other 90% of us, its a little more tricky.
If you take any maintenance medications for cholesterol or blood pressure and everything is under control, then choose Preferred rates. Any other health issues are generally classified as Standard Plus or Standard.
Keep in mind, life insurance companies are not only looking at your health, but they’ll be looking at your family history – specifically anyone passing before the age of 60 of cancer, heart disease or stroke.
They’ll also look at your lifestyle choices – like scuba diving, skydiving, marijuana use or any DUI or reckless driving tickets. Many people forget to factor in any psychological issues like depression, anxiety or bipolar disorder. These are all conditions that can effect your instant life insurance quotes.
Keep all of this in mind when viewing your instant life insurance quotes. If there any health issues, just use the results as ballpark figures. We recommend just choosing Standard health class to be conservative if you’re not sure.