Home Term Life Insurance Learn and Plan

Learn and Plan

We know that buying life insurance can seem complicated, but we want to show you that with AccuQuote, it really isn't. The following is a step-by-step overview of everything that happens from now until your life insurance policy arrives at your door.

WHICH IS BEST: TERM VS WHOLE LIFE INSURANCE?

There are many different types of life insurance, including term life insurance and whole life insurance. Term life insurance is more affordable than whole life insurance and for many it's a matter of money. However, if you are unsure which type, whole vs term life insurance is right for you read about the types of life insurance available so you can accurately compare your options.

HOW MUCH TERM LIFE INSURANCE COVERAGE DO YOU NEED?

After researching term vs whole life insurance, the next thing to think about is how much term life insurance you need. If you would like help with this, try using our life insurance needs calculator.

REQUEST A FREE TERM LIFE INSURANCE QUOTE

Once you've decided how much term life insurance you need, you're ready to obtain a free term life insurance quote. There are two ways to do this. Either fill out our online life insurance quote request form, or call us at 1-800-442-9899. We will ask you a series of questions regarding your health, lifestyle, and family history. This information is used to determine what term life insurance policy you will qualify for. 

LET US HELP YOU COMPARE TERM LIFE INSURANCE OPTIONS 

After you've received a term life insurance quote from multiple companies, you may have some questions on how to compare term life insurance policies. Let us help. Simply call us at 1-800-442-9899 and we'll be happy to answer your questions.

For instance, are you a smoker looking for a term life insurance quote but not sure why it's so expensive? We can help find a more affordable term life insurance policy for you. Simply get a smoker term life insurance quote. Or you may want to check out our frequently asked insurance questions section for more information about a variety of topics including term life insurance with no medical exam. Your question may have already been answered.

COMPLETE YOUR TERM LIFE INSURANCE APPLICATION

Once we've completed a term life insurance comparison and we've found you the most affordable term life insurance policy that fits your needs, we can assist you in completing the term life insurance application, right over the phone. So, get started today by calling us at 1-800-442-9899.  Or you can finish the application online by requesting a life insurance application after receiving your free term life insurance quote online. It's that easy!  

PREPARE FOR THE TERM LIFE INSURANCE MEDICAL EXAM

While you are waiting to receive your term life insurance application in the mail, we will schedule a time for your life insurance medical exam. This exam will be paid for by the insurance company, and will be done at your home or office at a time convenient for you.

The results of your life insurance medical exam, which typically includes a blood test, can greatly impact your term life insurance rate. To help you prepare for your exam, so that you can get the best results, please read how to prepare for your life insurance medical exam.

THE TERM LIFE INSURANCE UNDERWRITING PROCESS BEGINS

The next step is to wait for the insurance underwriting to be complete. The term life insurance underwriting process usually lasts 3-8 weeks, but this time can vary greatly from case-to-case.  

RECEIVE YOUR WHOLE OR TERM LIFE INSURANCE POLICY

Once your application has been approved, and all of the requirements have been met, we will mail your whole or term life insurance policy to you.

If you still have some questions, check out our frequently asked insurance questions section. Your question may be answered there, but if it isn't call us at 1-800-442-9899 and we'll be happy to answer it for you.