Frequently Asked Questions

Find answers here to frequently asked questions about cheap whole life insurance quotes.

How long does it take to get a quote?

Once you have filled out the easy form on this site with some information and submitted it, you should receive a response back instantly. The whole life insurance providers in our network understand the nature of the competition with other providers that they have entered into when choosing to use us as a referral site.

How soon can my life insurance coverage begin?

After you fill out a more detailed application for the insurance company you choose after receiving your cheap whole life insurance quotes from this site, you can be covered in as little as a few weeks to the first of the next calendar month.

If I get a terminal illness, can I withdraw payments from my policy early?

Many insurance companies will allow you to start receiving partial payment to yourself or others from the death benefit (payment) portion of your insurance policy if you are diagnosed with a terminal illness and it can be medically confirmed for the insurance company. This benefit is to allow those who are terminally ill to make final preparations themselves or to accomplish any unfinished tasks, dreams or desires in life.

Which insurance company owns this site?

This website is not owned or operated by any insurance company or seller of insurance products.

What if I have been refused a policy before?

The reason why your policy was refused will be taken into consideration when deciding whether or not to write a policy with any other insurance company. Underwriting will take into account the reasons you give for why your other policy was refused and may contact the other insurance company or use other sources to verify the information. Just because one insurance company refuses to write a policy does not mean that they all will.

Can I have more than one life insurance policy?

If you find a legitimate reason for needing more than one policy then you are perfectly free in most states to pick up an additional policy. Be sure you understand your state's rules regarding this, however, or you risk a denial of payment of benefits to your beneficiaries by one or both of the policies after you die.

Can I take out a policy on someone else?

There are strict rules and laws in place regarding taking out a life insurance policy on someone else. Unless the person is a minor and a child of yours or you are their guardian, or the person is otherwise under your care you will require their permission -verified by the insurance company - to take out a policy on their life and you must prove that you have an insurable interest in taking out a policy on them as well.