Can you get life insurance completely online?

UPDATED: Jun 4, 2012

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UPDATED: Jun 4, 2012Fact Checked

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Asked June 4, 2012

1 Answer

Insurance companies began using the internet as a means of customer access more than a dozen years ago, and continue to develop innovative ways to reach their customers today. Online claims, customized insurance quotes, and the ability to purchase policies online, including life insurance, are available to people who know they need insurance but do not want to spend their day tied to a phone or driving around town.

No medical life insurance is a special type of life insurance that is sold in standard face value amounts of up to $250,000. As long as the questionnaire you fill out meets the prerequisites of the insurance company, your policy can go into effect within hours of signing up online. You do not have to see a doctor or have a medical exam of any sort.

Buying life insurance online does not mean giving up the coverage you need, either. You can still add riders, such as accidental death or minor children. The premiums are fixed, which means they never go up for as long as the policy is in force. Premiums for no medical exam insurance will be higher than for other policies, but a 20 year term life policy is still affordable enough to fit most budgets.

Online life insurance policies are available from some of the best known names in the insurance industry. Before you purchase a life insurance policy, research the companies online, starting with online quote comparisons and then by checking with various ratings and reviews for each company..

Answered June 4, 2012 by Anonymous

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