Posts by Termland.com

Advantages and Disadvantages of No Medical Life Insurance

Written by Termland.com

Need life insurance but don’t want to go through the hassles of doing an insurance exam? There are definitely options available for you get a reasonably competitive life insurance policy without completing a long application, having to meet a nurse to give blood and going through the sometimes exhaustive underwriting approval process. However, there are.. More

No Medical Exam Life Insurance Policy No Longer Available Through HSBC

Written by Termland.com

On November 9, 2011, HSBC, the parent company of Household Life Insurance Company and First Central National Life Insurance Company of New York,  announced their intentions to stop accepting new applications for term life insurance effective January 8. 2012. Their decision dramatically affects the landscape of the no medical exam life insurance marketplace as HSBC.. More

I Have a Health Problem and Need Life Insurance

Written by Termland.com

Just because you have a health condition or some type of medical problem doesn’t mean that you are going to be declined for life insurance.  Sure, you will likely pay more than someone who is in excellent health but the reality is that in most cases, life insurance coverage can be obtained and usually at.. More

The Easiest Way to Save Money on Your Life Insurance Policy

Written by Termland.com

Let’s face it, in these tough economic times, everyone wants to save money. That is certainly true when it comes to buying life insurance and especially term life insurance. In fact, millions of people shop the internet every year visiting multiple websites to find the absolute best life insurance policy at the lowest possible rate… More

Which Life Insurance Company Will Consider Me After Prostate Cancer?

Written by Termland.com

Prostate cancer is more common today than ever affecting tens of thousands annually. Because the condition is so frequent, we are seeing continuous medical improvements, and as a result,  an increasing percentage of successfully treated prostate cancer. As a result, there are several life insurance companies that are offering better than average rates for prostate.. More

What is the Difference Between the Insured, Owner and Beneficiary of a Life Insurance Policy??

Written by Termland.com

All life insurance policies have three primary parties that are required as part of the application process: the insured, the policy owner and the beneficiary(s). Each of these are defined below with examples of the common designations. The Insured In any life insurance policy, the insured is the person on whom the protection is purchased… More

Can I Get Life Insurance After Prostate Cancer?

Written by Termland.com

Prostate cancer is becoming more and more prominent today affecting 1 in 6 men nationally. The great news is that it is highly treatable if detected early and many affected will go on to live normal life expectancies. For this reason, a select group of life insurance companies have begun to look at prostate cancer.. More

Term Life: A Great Value In A Bad Economy

Written by Termland.com

If you ask many Americans, the economy is in the dumps and most are feeling the effects of the long-term recession. People are out of work or working in a job that they are over-qualified for and are being underpaid. Employers are having a hard time finding funds to grow and demand for their products.. More

Can I Buy Life Insurance Without an Insurance Exam?

Written by Termland.com

Yes! Currently, there are several life insurance companies offering policies without requiring a medical exam. If you have a problem with needles or simply just want a life insurance policy without the hassles of seeing a nurse there are competitive options available. There are several different types of life insurance policies you can buy without.. More

What is the “Contestable Period” in a Life Insurance Policy?

Written by Termland.com

Every ordinary life insurance policy (term, universal life and whole life) that is approved and issued today contains a “contestable clause” that is in effect for a full two year period from the policy date. The contestable clause is designed to protect all life insurance companies from fraud and misrepresentation and permits the insurance company.. More