- How much life insurance do I need?
- Which life insurance company should I choose?
- Are the insurance quotes and rates you calculate accurate?
- How long does it take to get life insurance?
- Who should get life insurance?
- How long will it take to be contacted by an insurance expert after I complete the form?
- Why should I use top quote life insurance?
- How long do I need to have a life insurance policy?
- Should my stay at home spouse get life insurance?
- If I don’t have perfect health can i still get life insurance?
- How do I get cheap life insurance?
- Should I cancel my existing life insurance policy?
- How can I pay for life insurance?
- What is a life insurance paramedical medical exam?
- What type of life insurance should i get?
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.
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.
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.
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.
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.
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 a 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.
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. For more information on how long you should have a life insurance policy, click here.
Should my stay at home spouse get life insurance?
Life insurance for a spouse is just as important for 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.
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.
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 you health examination. After the complete application and the health exam (if needed) are completed, you will get coverage.
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.
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.
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.
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. For more information please see our “types of life insurance”.