California term life insurance quote
Term life insurance is to provide coverage for a specific number of years 10 or 15 or 20 etc. This is a popular type of life insurance. Some companies permit a return of 100% of the premiums paid into the insurance plan.
A free term life insurance quote demands the following information the first name, last name, address, city, state, zip, daytime phone, evening phone, fax number, email address, best contact time, gender, date of birth, height and weight in pounds. Then, the amount of life insurance required to be quoted has to be entered. There is a Life Insurance Needs Calculator to find out the amount of life insurance correct for the person. For the calculation, the following information is essential. The annual income before tax, percentage of income needed by dependents, age, number of years the benefits are needed, the annual inflation rate and the annual interest rate are demanded.
Then, the type of life insurance the person is searching for has to be entered. This may be
a 30 year, 25 year, 20 year, 15 year, 10 year, 5 year or Universal life or to age 100 guaranteed or survivorship insurance or whole life insurance. Whether the coverage to be quoted would be new coverage or additional coverage or replacement of existing coverage has to be selected. Then the tobacco or nicotine use has to be selected. This includes tobacco, nicotine gum, cigars, pipe etc. The name of the medication, dosage and the condition being treated has to be mentioned. Then, it has to be explained if there have been any health conditions like surgeries, depression, cancer, cardiovascular disease or diabetes. Then, it has to be revealed whether any of the parents or siblings had cancer or cardiovascular disease before they reached age 60. In this case, the age of onset of the disease, diagnosis and death if applicable has to be stated. Further, it has to be explained if the person takes part in hazardous activities like scuba diving or private piloting. Any DUIs in the last 10 years or more than 2 moving violations in the previous three years have to be explained. The dates, charges and details of any felony have to be described. In the past five years, if the person has filed for bankruptcy, he must offer details or date of discharge. Finally, he has to select a rate class. He has to declare whether he is currently getting Social Security Disability Income payments due to any health related issue. After all this information is furnished, the person can get a quote.
Some companies demand a medical examination for all policies. Some require examinations only for those policies that have substantial face values. To attract a wide market, many companies are offering life insurances with no medical examination. This is particularly useful for those who have a pre-existing medical condition. To apply for a no medical exam life insurance policy the person has to answer some basic questions. There is no need of a blood or urine report or a need to check the blood pressure.
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