Life Insurance Quote Iowa

Question:

I received a DWI a couple of years ago, can i still get standard rates for my life insurance?

Peter

Sioux, Iowa

Answer:

If you got a DWI a couple of years ago, It is more likely that your life insurance company will search through your record to see if there is more than just the one cited incident. if you were cited with a drunk driving conviction, you might get a higher premium because it’s a red flag for alcohol abuse.

But you can take a life insurance medical exam now. If the tests come back that you have normal liver functions and you have no current DWIs on record, you may get standard rates.

If you are interested in getting a life insurance quote, we offer multiple first class life insurance companies here and help you find the best life insurance coverage for you.

Question:

I am a student going to college here in Des Moins and am wondering if I can get a No Exam Life Insurace policy online?

Jeff

Answer:

Gret question Jeff. Yes you can……

Question:
I live in Des Monies, Iowa and am looking into purchasing my first Life Insurance Policy.  A No-Exam Life Insurance policy to be specific.  I have heard that their are different types of Term Life Insurance. What are the differences?

Regards,
Phillip

Answer:

Phillip,
Term insurance basically comes served in two ways decreasing term and level term.  Most of the policies bought today are Level Term Life Insurance.  The types “level” and “decreasing” equate to the death benefit amount during the term of the policy.  A Level Term policy pays the same benefit amount if death occurs at any point during the term.  Decreasing Level Term policy decreases over the term of the policy so the face amount is drastically reduced.

Some examples of term periods are:

• 5 year renewable term
• 10 year term
• 15 year term
• 20 year term
• 25 year term
• 30 year term
• Term to a specific age i.e. 65.

I Hope this helps.  Remember You can obtain Fast free Comparative quotes from Insurance companies in the Des Moines area by entering your zip code above.  Happy shopping!

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