At eCoverage, we want to make finding the right life insurance easy and convenient. Beyond giving you access to top carriers, we want to provide up-to-date information and answer common questions so you can be confident in choosing your coverage.<\/p>\n\n\n
Many people assume life insurance is more expensive than it is. In fact, a 20- year term policy with a $250,000 death benefit may cost a healthy 30-year old just $13 a month. The cost will depend on the amount of coverage you want and the type of insurance you choose (term, final expense, or permanent). Requesting a personalized quote from eCoverage can help you find coverage that fits your needs and your budget. Get started<\/a><\/p>\n<\/div><\/div>\n\n\n\n The type of insurance you choose (term, final expense, or permanent) and the coverage amount you need factor into your rate. Your age and gender can also impact rates. Younger people and women tend to get lower rates, since they have higher life expectancy. Your personal and family health histories factor in, too. Serious illnesses like heart disease or cancer can affect not just the price you pay but your eligibility. Personal choices, like using alcohol, tobacco, or drugs or having dangerous hobbies like participating in extreme sports, can also impact coverage options and rates.<\/p>\n<\/div><\/div>\n\n\n\n Since eCoverage helps you get quotes from many top-rated insurance companies, you have access to a wide variety of plans. Some options accommodate a range of health conditions and may not require a medical exam. You can also reapply to potentially receive a lower rate if your health condition is well-managed or improves over time.<\/p>\n<\/div><\/div>\n\n\n\n Individual life insurance gives you peace of mind that you’ve got the financial protection you need with no gaps in coverage. Often, employer-provided or group insurance is a small policy that won’t provide adequate financial protection for major financial responsibilities like paying for college or a mortgage. Also, since most people do not stay with the same employer for their career, there are limits to this coverage. For example, the life insurance coverage you get through work doesn’t always follow you if you leave the job.<\/p>\n<\/div><\/div>\n\n\n\n While you may not need to replace lost income if you’re already retired, a life insurance policy can still be a smart decision. A policy can help your surviving partner or spouse maintain the quality of life you enjoy together. Final expense policies can help ease the burden of end-of-life and burial costs. If you select permanent life insurance, your policy may build a cash value that can be part of an estate or legacy planning. Learn more about who needs life insurance.<\/a><\/p>\n<\/div><\/div>\n\n\n\n Lower rates and flexible policy options are easier to get when you are younger, so you may want to plan for the future now while it’s more affordable. If you have family members, like siblings or parents, who rely on you financially, life insurance can provide them a payout if you were to die. Your life insurance death benefit can also help ensure your loved ones have the resources to cover any outstanding student loans or credit card debts. Learn more about who needs life insurance.<\/a><\/p>\n<\/div><\/div>\n\n\n\n A medical exam may be required to see if you qualify for the policy you want and to determine the rate you will pay. This exam is about 20-30 minutes long and performed by a certified paramed. The paramed will record your blood pressure, pulse, height, and weight and record answers to questions about your medical history. Depending on the health information you give in your application, you may also need to provide blood and urine samples and take other tests. The exam is done at a location of your choice and performed at no cost to you. Learn more about medical exams.<\/a><\/p>\n<\/div><\/div>\n\n\n\n Life insurance is a contract between an insurance provider and an individual. The insurance company pays a death benefit in exchange for a regularly paid premium. Learn more.<\/a><\/p>\n<\/div><\/div>\n\n\n\n The amount of life insurance you need depends on the financial responsibilities and protection you want to provide for the people you’ll leave behind. Learn more<\/a> about calculating<\/a> your insurance needs.<\/p>\n<\/div><\/div>\n\n\n\nWhat determines my rate?<\/h2>
Can I get life insurance if I have an existing medical condition?<\/h2>
Do I still need a policy if I have insurance through an employer?<\/h2>
Do I still need life insurance if I’m retired?<\/h2>
Do I need life insurance if I am single and have no children?<\/h2>
What happens at a life insurance medical exam?<\/h2>
What is life insurance?<\/h2>
How much life insurance do I need?<\/h2>