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Life Insurance – Save more and skip the medical exam with multiple carriers

Angela

“I thought life insurance was going to be expensive for me at 50 years old but I was able to get a $250,000 policy for $26.00 a month and I didn’t have to do a medical exam. The process took minutes! My family is now protected.”

Life Insurance

How easy is it to get Life Insurance?

It is Easy! It takes about 10 minutes to answer a few questions and receive quotes from multiple carriers. You can change the type of policy options and coverage amount to suit your needs and budget.  Many of the carriers offer Life Insurance policy options with no Medical exams and quick turnaround.  

What is the process of buying life insurance with Station 5 Insurance?

Our goal is to provide a quick and painless process. Using our quoting platform will allow you to find the policy that fits your needs with a quick turnaround time. The application process takes about 10 minutes. The carrier you select will give you a call to do a brief interview. If no medical exam is needed approvals are sometimes sent same day! Planning for life transition is not easy but necessary to protect the ones we love.

Why is Life Insurance Important

It helps your family retain what you worked so hard for. In addition to offsetting the expensive burial cost, It can be used to pay off Mortgages, cars, land, and debts that do not dissolve at death. It also can be a gift to your family to help establish a legacy in your honor.

Life Insurance

What are the different types of life insurance?

There are different life insurance options available however, there are 4 categories that most Life Insurance policies fall under. When you use our life insurance quoting platform, we will give you several quotes in each category with affordable monthly payments to suit your legacy needs.

1

Term Life Insurance

A term life policy is very affordable! The premium stays the same for a specific period (Years). At the end of the term, the premium agreement will expire and the carrier will provide a new premium for a selected period.  A great coverage to get started, when you have a small budget and to pay off fixed expenses such as a loan.  Term policies start at 10 years and can last up to 30 years.  Typically, this policy is not an option after the age of 80 years old.

A universal life policy provides longer coverage years. Coverage is up to a lifetime and has an account attached to the death coverage amount. This account has the option to grow via cash accumulation.  The cash accumulation accounts can be used by the insured if desired, thus providing a lot of additional features. Universal Life Insurance can be more expensive than Term.

2

Universal Life Insurance

3

Whole Life Insurance

A whole life policy is considered a permanent life solution that features a fixed coverage amount and premiums until death. Whole life Insurance policies are great for youth, young adults, and burial plans. Typically, you can purchase small coverage amounts, unlike term life insurance.

Frequently referred to as burial insurance offers coverage that will assist with the final expenses of death.  These policies are great if you just need to cover your funeral expenses, debt, and bills.  These policies are limited to lower coverage amounts ($25,000 – $50,000).  Final Expense Insurance policies are especially suitable for insureds with illnesses.

4

Final Expense Insurance

Life Insurance

How much does Life insurance Cost?

That can vary depending on Age, health, and coverage amount. Using our quoting platform you will have access to the same tools that Life Insurance agents use to shop for affordable rates.