However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs. Term coverage expires after a set term of 5, 10, or 20 years (except for term to 100 insurance). It's easy to find out the stability of the whole life insurance company, and tet the information independently. Then you'd have to wait for a return call for the information. If you are still alive at the end of the term, then no payment is made hence why premiums are so cheap as the insurer cannot justify charging a huge amount for your premiums as there is no investment element to a term life insurance policy. The higher the age, the more the premium payable as the quality of your life and your health generally deteriorates with age. An applicant simply has to log on to the websites of the many life insurance companies and fill in the relevant details. The rates are compared on the basis of terms, premiums, death benefit and various other clauses. The higher the age, the more the premium payable as the quality of your life and your health generally deteriorates with age. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Basically, standard coverage remains in affect for the life of the insured. When you log onto the relevant websites you are asked some general questions like your name, age, gender, height, weight, usage of tobacco or nicotine, the amount of insurance you are seeking, mode of payment of premium etc, Click on the submit button. Also, the more convoluted insurance you buy, the higher the premium you will pay and that is why cheap term life insurance is an option favoured by many people. There are many life insurance companies vying for the largest share in the life insurance market. This is a great way to get many online quotes from different life insurance companies and gives you a good choice. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. Finding the right term life insurance quote online for a policy that fits the needs of you and your family can be an extremely challenging task especially since you are probably weary of putting your trust in a company you have likely never heard of to take care of your family's financial future at the time of your death. You will receive the life insurance online quote specific to your requirement. By applying online you can get multiple free car insurance quotes from one application. Finding the right term life insurance quote online for a policy that fits the needs of you and your family can be an extremely challenging task especially since you are probably weary of putting your trust in a company you have likely never heard of to take care of your family's financial future at the time of your death. Generally speaking whole life insurance is not the best way to go is expensive because you are not only paying for insurance but are also paying for the investment portion. Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This means that should you die and it turns out you lied on your application form, the insurers legally dont have to pay out your claim. If you have dependants or a mortgage, then it makes sense to take out life insurance. Life insurance policy is therefore a good thing to have.