Frequently Asked Questions

Life insurance can be a complicated topic. We’re happy to get you the answers you’re looking for as you make this decision. 

Term Life, Simplified

Life insurance is an important purchase. It’s also a complex and often confusing one. There are a lot of options; policies vary from insurer to insurer. The one with the lowest premium may not be your best choice. LCLI will help you select the policy which meets your needs.

If you’re spending your hard-earned money to protect your family, you deserve the best possible policy for your circumstances. That’s why we work with many insurance carriers, so we are not beholden to one. That’s why we offer hundreds of options — because everyone’s circumstances are different.

It’s not in your best interests, or ours, if you don’t get the coverage you need. We’re here to guide you through the process and your options and to give you our objective advice, earned over 30 years of experience.

Category: Working with LCLI

Keep in mind that the quote is a starting point. It will give you a ballpark idea of how much your premiums could cost, but is not final until the underwriting process is complete. Depending on the carrier and the policy, you may have to provide a medical history and undergo a medical exam.

The underwriting process usually takes anywhere from 30 to 45 days, depending on your health status, medical exam results, and how quickly your doctor’s office submits your medical records. We’ll keep you apprised of where things are in the process as we hear about them. Get started. See your free term life quotes.

Category: Working with LCLI

In most cases, yes, you will need a medical exam along with a medical questionnaire. The medical exam will be conducted by a paramedical professional that the insurance company will send to your home for your convenience and privacy. The exam is like a physical, recording your blood pressure, height, and weight, and often requires providing a blood and urine sample.

The questionnaire will ask you about your general health, your family health history, occupation, financial net worth, and your habits, including exercise and smoking. It’s important to be as honest as possible. Lying can be cause for your carrier to deny paying a claim to your beneficiaries after your passing.

We work with many carriers and can usually find coverage for people in less-than-ideal health, who smoke, or who work in jobs that carry more risk than normal.

Category: Working with LCLI

As many as it takes! We will navigate you through the maze of companies to help you select the specific policy best suited for your individual needs.

Category: Working with LCLI

Working with LCLI

Life insurance is an important purchase. It’s also a complex and often confusing one. There are a lot of options; policies vary from insurer to insurer. The one with the lowest premium may not be your best choice. LCLI will help you select the policy which meets your needs.

If you’re spending your hard-earned money to protect your family, you deserve the best possible policy for your circumstances. That’s why we work with many insurance carriers, so we are not beholden to one. That’s why we offer hundreds of options — because everyone’s circumstances are different.

It’s not in your best interests, or ours, if you don’t get the coverage you need. We’re here to guide you through the process and your options and to give you our objective advice, earned over 30 years of experience.

Category: Working with LCLI

Keep in mind that the quote is a starting point. It will give you a ballpark idea of how much your premiums could cost, but is not final until the underwriting process is complete. Depending on the carrier and the policy, you may have to provide a medical history and undergo a medical exam.

The underwriting process usually takes anywhere from 30 to 45 days, depending on your health status, medical exam results, and how quickly your doctor’s office submits your medical records. We’ll keep you apprised of where things are in the process as we hear about them. Get started. See your free term life quotes.

Category: Working with LCLI

In most cases, yes, you will need a medical exam along with a medical questionnaire. The medical exam will be conducted by a paramedical professional that the insurance company will send to your home for your convenience and privacy. The exam is like a physical, recording your blood pressure, height, and weight, and often requires providing a blood and urine sample.

The questionnaire will ask you about your general health, your family health history, occupation, financial net worth, and your habits, including exercise and smoking. It’s important to be as honest as possible. Lying can be cause for your carrier to deny paying a claim to your beneficiaries after your passing.

We work with many carriers and can usually find coverage for people in less-than-ideal health, who smoke, or who work in jobs that carry more risk than normal.

Category: Working with LCLI

As many as it takes! We will navigate you through the maze of companies to help you select the specific policy best suited for your individual needs.

Category: Working with LCLI

Next Steps

Life insurance is an important purchase. It’s also a complex and often confusing one. There are a lot of options; policies vary from insurer to insurer. The one with the lowest premium may not be your best choice. LCLI will help you select the policy which meets your needs.

If you’re spending your hard-earned money to protect your family, you deserve the best possible policy for your circumstances. That’s why we work with many insurance carriers, so we are not beholden to one. That’s why we offer hundreds of options — because everyone’s circumstances are different.

It’s not in your best interests, or ours, if you don’t get the coverage you need. We’re here to guide you through the process and your options and to give you our objective advice, earned over 30 years of experience.

Category: Working with LCLI

Keep in mind that the quote is a starting point. It will give you a ballpark idea of how much your premiums could cost, but is not final until the underwriting process is complete. Depending on the carrier and the policy, you may have to provide a medical history and undergo a medical exam.

The underwriting process usually takes anywhere from 30 to 45 days, depending on your health status, medical exam results, and how quickly your doctor’s office submits your medical records. We’ll keep you apprised of where things are in the process as we hear about them. Get started. See your free term life quotes.

Category: Working with LCLI

In most cases, yes, you will need a medical exam along with a medical questionnaire. The medical exam will be conducted by a paramedical professional that the insurance company will send to your home for your convenience and privacy. The exam is like a physical, recording your blood pressure, height, and weight, and often requires providing a blood and urine sample.

The questionnaire will ask you about your general health, your family health history, occupation, financial net worth, and your habits, including exercise and smoking. It’s important to be as honest as possible. Lying can be cause for your carrier to deny paying a claim to your beneficiaries after your passing.

We work with many carriers and can usually find coverage for people in less-than-ideal health, who smoke, or who work in jobs that carry more risk than normal.

Category: Working with LCLI

As many as it takes! We will navigate you through the maze of companies to help you select the specific policy best suited for your individual needs.

Category: Working with LCLI

 Get your free quote

Low Cost Life Insurance Agency is not licensed in Alaska or Hawaii, and is unable to provide quotes for residents of these states.