Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Purchasing life insurance is an important step in any family’s financial planning goals. We assure you that if you choose to work with Top Quote Life Insurance, we will do everything possible to make the process go as smoothly and quickly as possible.

However, we understand that before you take that step, you may have questions. We have put together some of the most frequently asked questions we often get regarding life insurance to help get you quick answers to your questions.

We also have a massive life insurance blog filled with facts, company reviews, and much more to help your shopping process be as easy as can be.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Table of Contents

How much life insurance do I need?

The amount of life insurance you need is directly related to the financial obligations you and your family have. To determine how much life insurance you need we suggest you use our life insurance calculator.

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Which life insurance company should I choose?

Top Quote Life Insurance quote engine will only provide you with life insurance quotes from the top “a” rated life insurance companies with the top premium rates based on your selected health risk classification.  It is completely up to you which company you choose to insure you but we suggest going with a company you may recognize.

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Are the insurance quotes and rates you calculate accurate?

Yes, but are based on the information and health risk class you provided.  The life insurance quotes provided on our website are directly from the life insurance carrier’s rate books and are updated any time there’s a rate change that has occurred with anyone of our life insurance carriers.

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How long does it take to get life insurance?

Getting life insurance can be a quick process, 2-4 weeks.  In some cases can take up to a month or two depending on when you have scheduled your paramedical exam and if medical records are needed for underwriting.

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Who should get life insurance?

We believe there is a need for everyone to have a life insurance policy. obviously the more family and liabilities you have the higher your insurance value should be, but it is good for everyone to have some life insurance active. Having an active life insurance policy in place will give your family and loved ones immediate access to funds at the time of your death.

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How long will it take to be contacted by an insurance expert after I complete the form?

We have life insurance experts that work normal business hours ready to talk with you. Many times you will be contacted the same business day after completing the form. If you submit the form on the weekend or after business hours, you will be contacted the next business day.

Why should I use Top Quote Life Insurance?

We give you a quick and easy way to get life insurance quotes and rates with once click of a button from the top insurance companies in the industry. We have created an online site that connects you with all the information you need about life insurance and allows companies to compete for your business.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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How long do I need to have a life insurance policy?

This is a very tough question to answer.  The best answer will be a policy that meets your financial goals both short term and long term.

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Should my stay at home spouse get life insurance?

Life insurance for a spouse is just as important as it is for the working member of the family. should something happen to your spouse, expenses such as day-care will dramatically increase your monthly expenses. Life insurance can also help if your spouse does work and contributes to the family income. Suddenly only having half of the family income can ruin your financial security.

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If I don’t have perfect health can I still get life insurance?

It is very likely you can still get life insurance. The rate will be based on your existing health condition. If you need help determining your health risk classification, please contact us and a licensed life insurance agent will help you.

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How do I get cheap life insurance?

The easiest way to get the best rate and the cheapest life insurance policy is to complete our online form, select the insurance company with the lowest monthly rate, and then wait to hear from an insurance expert. Once contacted by our expert you will be asked to complete a more detailed application and possibly a no-cost to your health examination. After the complete application and the health exam (if needed) are completed, you will get coverage.

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Should I cancel my existing life insurance policy?

No, if you would like to get a new life insurance policy, it is best to keep your existing coverage until your new coverage is in place and active. This will ensure you and your loved ones are covered should anything happen during the policy transition.

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How can I pay for life insurance?

There are several ways to pay for your premiums: monthly, quarterly, semi-annually, and annually. Most people choose to pay for their insurance monthly and have the payment directly debited from their checking account. This ensures your payments are never late and that you will maintain coverage.

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What is a life insurance paramedical medical exam?

Unless you are applying for a non-medical term life policy, most life insurance companies need to completely understand your current health status before they are willing to cover you. The medical exam process is easy and simple.

A registered examiner will come to your home or workplace and ask you a series of medical questions. They will also require a sample of urine and blood samples. The entire process generally takes 20-30 minutes and is completely confidential.

The paramedical exam is at no cost to you and is paid for by the insurance company that you are applying with.

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What type of life insurance should I get?

There are many forms of life insurance: whole, term, mortgage, non-medical, etc. the specific type of life insurance you should get is greatly dependent upon your life and financial situation.

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