Ecoverage Life Insurance

Ecoverage life insurance is an online life insurance broker that has access to a large network of leading life insurance carriers.

Ecoverage helps to connect you with the life insurance carrier in your area that offers the best plan at the moist affordable price.

With Ecoverage you can request and compare free term life insurance quotes from over 40 of the leading life insurance carriers for savings up to 70% on your life insurance policy.

Ecoverage helps make shopping for life insurance quick and easy so you can find the protection your family needs at the best price.

Why Do So Many People Get Term Life Insurance Instead of Permanent?

There are several good reasons people choose to buy a term life insurance policy instead of purchasing permanent life insurance.

One of the most common reasons is Price.

Permanent life usually costs up to 5-10 times more for the same amount of life insurance compared to term life.

That means, you can buy a lot more protection for your family by choosing a term life insurance policy.

Another popular reason is Flexibility.

With term life you choose the duration of coverage you need your life insurance protection to last.

You may be able to choose a term life policy lasting for a duration of 10, 15, 20, 25 or 30 years, to meet your family’s specific needs.

Learn more about why so many people get term life insurance instead of permanent life insurance.

What Does Life Insurance Not Cover?

If you’re looking to buy life insurance you may be wondering what isn’t covered by a life insurance policy.

Well, life insurance pays out a death benefit to your beneficiary upon your death if you die while your policy is In Force, and subject to the terms, conditions and exclusions stated in your life insurance contract (policy).

There are several reasons why a life insurance death benefit claim may be denied, including fraud, misrepresentation of a material fact on your application for coverage, suicide within the first 1-2 years of being insured, or murder of the insured by the beneficiary of the life insurance.

Learn more about what life insurance does not cover.

 

What Does Life Insurance Cover You For?

If you’re shopping for a life insurance policy you may be wondering what it is life insurance covers you for.

Actually, a life insurance policy pays out a death benefit to your beneficiary upon your death, subject to the terms, conditions and exclusions stated in your life insurance contract.

A covered cause of death may include natural causes, accidents and suicide, if the suicide occurs after the suicide exclusion period – usually 2 years, but one year in some states.

Learn more about what life insurance policies cover you for.

How Many Years Does Term Life Insurance Have?

Term life insurance is a type of life insurance policy that provides temporary protection lasting for a specific number if years.

Usually, term life offers coverage for a period of 1 to 30 years.

Most policies for term coverage are either 10 or 20 years in duration.

However, you may be able to choose a policy “term” of 10, 15, 20, 25 or 30 years, depending on your age.

Learn more about how many years term life insurance policies last.

 

Life Insurance Policy with No Physical

Can I buy a life insurance policy without having to take a physical exam?

Yes. However, it will depend on your age and your health.

There are several insurers now offering different types of no physical exam life insurance policies.

Healthy individuals between the ages of 20 to 60 may qualify to buy no exam term life insurance policies.

While people ages 45 to 85 may purchase guaranteed approval permanent life insurance policies with no exams and no health questions asked.

Here’s how to buy a life insurance policy with no physical exam required.

Is Guaranteed Life Insurance a Good Option?

Are you wondering if guaranteed life insurance is right for you?

It may be, but it depends on your situation.

Guaranteed issue life insurance means you cannot be turned down for coverage if you meet the age requirements and can pay the premiums.

So, if you have health problems, or you have been turned down for life insurance, or you are over 75, it may be an option to consider.

These plans are available for people ages 45 to 85 years old.

Find out if guaranteed life insurance is a good option for you.

Buy Alabama Life Insurance

How can I buy life insurance in Alabama?

If you live in the state of Alabama, you may purchase life insurance coverage by visiting with a life insurance agent, contacting a life insurance carrier over the phone, or there are even insurers that offer you the option to apply online for a life insurance policy.

Some insurers offer same day life insurance coverage with no health exams required, for healthy individuals who qualify for a policy.

Learn more about how to buy Alabama life insurance coverage.

Finding Term Life Insurance Online

What is term life insurance and how can I find it online?

Term life is temporary protection lasting for up to 30 years.

It pays out a death benefit to your beneficiary if you pass away during the term of your term life policy.

Term life is available online through many of the life insurance websites offering life insurance quotes. With term life you can select coverage lasting for a policy term of 10, 15, 20, 25 or 30 years.

You can compare term life pricing by requesting a free term life insurance quote online.

Learn more about finding term life insurance online.

Low Cost Funeral Insurance

Can I get low cost funeral insurance coverage?

Actually, the amount you pay for your funeral expenses insurance policy will depend on several factors, including your age, gender and amount of coverage you need.

Also, rates for a funeral policy will vary by life insurance company.

However, one highly-rated insurance carrier offers funeral plans starting as low as $8.80 per month.

The lower the amount of insurance you need, the lower your monthly cost for coverage.

Learn more about finding low cost funeral insurance plans.