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Fifteen ways to save money on life insurance

All too often people avoid buying life insurance because they simply cannot afford it. However, it might be that you cannot afford your ideal life insurance policy but you can afford something for less. Learn More

Top 10 Reasons for Being Declined

Every Life Insurance application will have one of 3 outcomes: you will be approved, postponed, or declined. No one wants to be declined. Find out the top 10 reasons for being declined for life insurance. Learn More

Life insurance approval with pre-existing conditions

Have you been declined for life insurance or postponed for life insurance due to a pre-existing condition? Have you been given a rate class that seems over the top due to a pre-existing condition? We can help.Learn More


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No Medical Exam vs. Fully Underwritten Life Insurance

No Medical Exam

At TermLife2Go we understand that you have a busy schedule and that fitting in a medical exam to qualify for life insurance simply does not work. Our group of independent agents will run the quotes for you and let you know what you will pay for both non medical exam and fully underwritten life insurance. Many times the cost between the two policies will be small and a non medical exam policy does not require a blood draw. High cholesterol and blood pressure are the most common reasons a policy comes back with a higher premium. If you are concerned about your blood work then paying a few additional dollars might very well save you money once your lab results come back. And a non medical exam policy approval is fast with some approvals in 15 minutes. Read more on this subject: Exam vs. No Exam

Fully Underwritten

A fully underwritten life insurance policy requires a medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed and the life insurance carrier offers you a policy based on your results. In some cases, a physician’s statement may be collected if the carrier feels more information is needed. For healthy individuals the typical time it takes for the life insurance carrier to make an offer can be as fast as 48 hours. However, the normal time for a healthy individual is 2-4 weeks. For someone not as healthy it can take 4-6 weeks or longer. The one advantage with a fully underwritten policy is that for those who are healthy the savings can be substantial. Read more on this subject: Exam vs. No Exam

Business Owner Life Insurance

Business life insurance As a business owner, it is imperative that you have a succession plan. No matter the size of your business—from a sole proprietorship to a global Limited Liability Company—having a succession plan in place is necessary and prudent planning. Business owner life…

Progressive Life Insurance Reviews

Review of Progressive Life Insurance If you are looking for Progressive Life Insurance Reviews then you have come to the right place. In the following review we will break down the strengths and weaknesses of Progressive as well as share an alternative. About Progressive As…

My life insurance application has been postponed? What does that mean?

Postponed Life Insurance My life insurance application has been postponed?  What does that mean? It’s important to understand that every life insurance application will ultimately have one of 3 outcomes: You’ll be approved. You’ll be declined. Or you may receive a postponement. Now we all…

Student Loan Life Insurance

Life insurance for student loans One very important factor that is often over looked when it comes to discussing student debt, AKA college loan debt is: “What happens to this debt if the “debtor” dies before it’s paid?” Now we here at TermLife2Go specifically use…

A few of the over 60 carriers we represent:

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