Shopping for guaranteed life insurance for seniors can be a big job for just about anyone. You have to choose between things like guaranteed whole life insurance, term life insurance or funeral insurance, for example. Then, you have to make a comparison of the different companies and their rates. Finally, you have to go through the whole application process. Along the way, you might be hoping for no Medicare exam and no health questions. Even though it's true that shopping for guaranteed life insurance seniors can definitely be a hassle for adults of any age, it can be particularly stressful for senior citizens and elderly adults. For example, if you or your parents have health issues, you might be worried about finding an insurer that will accept you. You might also be particularly concerned about making a comparison of premiums and life insurance policies with no waiting period; after all, you might be concerned that your coverage won't be affordable because of your health issues or your age, and you probably want to find the best cheap company that you can. We deal with people on a daily basis who are dealing with all of these issues, and we work hard to help each customer find a life insurance policy that he or she can afford. For elderly adults and the adult children who want to help their senior parents, our online comparison tool can be the best option for finding good, cheap coverage.
You have probably heard of guaranteed life insurance, and even though you might get the gist of what it means, you could still be a bit unsure of what to expect. For example, you could be wondering what "burial insurance with no waiting period" means, and you could wonder if it's actually true that you can get life insurance with no health questions. As the name suggests, guaranteed acceptance life insurance is a type of life insurance that is designed for those who don't necessarily qualify for more traditional policies. It is a type of whole life insurance; however, many people sign up for these policies as senior citizens or elderly adults, often between the ages of 50 and life insurance for seniors over age 80. Also, those who choose life insurance for seniors often have health problems of some sort and are hoping that they can buy guaranteed life insurance with no medical exam. Luckily, guaranteed life insurance with no medical exam is more common than many people realize. In fact, you can choose from options from some of the biggest and most well-known companies in the business. Also, since seniors are often looking for budget-friendly life insurance, it's good to know that many of these companies offer affordable options as well.
If you have had trouble finding coverage in the past, you could think that you are completely out of options. Some people end up going without life insurance completely because they don't realize that there are life insurance policies with no waiting period that have an easy application process and that don't require you to have a medical exam done or that don't ask you a ton of health questions. Especially popular among seniors, guaranteed burial insurance with no waiting period has a ton of benefits. These are some of the reasons why it might be the right type of life insurance plan for you:
Unfortunately, as with anything related to life insurance, life insurance with no medical exam and no waiting period does have some disadvantages. These are a few of them:
Even though there are some disadvantages to life insurance with no waiting period, many seniors find that it's the right choice for them. Plus, when buying life insurance, you can help ensure that you are happy with your decision by working with us. We specialize in helping people find the right life insurance for them. Not only are we licensed in multiple states across America to sell term life insurance for seniors, but we help people find whole policies and funeral policies. We know which companies are the top ones in the business, and we'll make it simple for you to find a plan that you can afford and that offers what you're looking for. Our website has a tool that you can use to shop for plans, or you can give us a call and talk to one of our experienced, dedicated professionals to find out more about your options.
Many seniors are good candidates for guaranteed acceptance life insurance with no waiting period. These are a few signs that a guaranteed plan might be right for you or your mom or dad:
If you're still unsure, you can contact us or use our quote form. Then, you can get an idea of the types of life insurance that are available for you.
What you might not realize is that when you're looking for guaranteed plans, you have a few different options. The type of plan that you qualify for
Because of the relatively low coverage amounts that go along with guaranteed life insurance, the costs are often surprisingly low, even for older seniors. However, the amount that you will pay for your coverage will vary widely depending on a number of different factors, including the state that you live in and the company that you choose to purchase your life insurance from. Of course, there are a couple of ways that you can keep your costs down when buying senior life insurance no waiting period, including:
If you'd like to shop around for life insurance companies that offer life insurance with no waiting period, you should know that this is a lot easier than many people realize. When shopping for the lowest rate on insurance, many people envision themselves having to make phone calls to several different insurance companies. Even nowadays, with the help of online quote tools, a lot of seniors assume that they will have to fill out their information on multiple websites in order to get information from multiple companies. All of this can seem incredibly exhausting when all you want is to purchase a simple but reliable plan. Fortunately, guaranteed acceptance life insurance can be cheaper and easier to shop for than you realize. This is something that we are here to help you do. For reference purposes, we decided to look up quotes so that you can see some of the premiums that other people are paying. Of course, quotes for guaranteed life insurance for seniors do vary; your age, tobacco use status and state all have an impact. If you find your state below, however, you can get an idea of what other seniors are paying for their life insurance, all from top companies. Some of these quotes are even for guaranteed acceptance life insurance with no waiting period, while others do have a short waiting period. Either way, when you enter your information, you will be able to get more accurate quotes for your age and other info, and you can also choose between life insurance with no medical exam and no waiting period and policies that are graded or that have a waiting period.
If you live in one of these states or elsewhere across the nation, we can help you find guaranteed life insurance. You might even be able to find senior life insurance with no waiting period. We understand that everyone's needs are different when it comes to life insurance. Senior citizens and elderly adults often can't benefit from standard term life insurance or whole life insurance and instead look for funeral insurance.