Insurance is quite important at this time. Even though you have now achieved financial success, preparing insurance, especially life insurance, is very important. Here are the best online life insurance companies that you can take advantage of, especially those of you who are over 40 years old.
Before that, first, identify life insurance. What exactly is Life Insurance?
What is Life Insurance?
Life insurance is a protection program for families from unwanted things such as the death of the policyholder. This protection provides financial security to protect the bereaved family if the insured has died.
As an insured policyholder, you are required to pay a certain amount of premium regularly. Then, if something unexpected happens, such as when we die, the money we deposit with the insurance company will be given to the family we left behind as stated in the contract.
Currently, we can access life insurance online, making it easier for us. Then, what are the best online life insurance companies today? Here are the best online term life insurance companies.
This company is arguably the best insurance company in Indonesia. Not only in Indonesia, but it has also even become one of the best insurance in the world. Being the oldest life insurance company, they offer a complete service of every policy.
One of their recommended life insurance policies is SimplyTerm which is available in coverage up to $500.000. For a period ranging from 10, 20, to 30 years.
However, not all of them are available online. In addition, the drawback is that the policies are less flexible when compared to other insurance companies.
2. Haven Life
This company is arguably one of the best online life insurance companies. The reason is, Haven Life provides life insurance of very high quality but at an affordable premium price. The company offers life insurance for people under the age of 59 with benefits up to $3 million.
If you are 60 to 64 years old, then you will first see if you qualify for a life insurance policy with a value of $1 million.
This company is one of the best insurance for you. Bestow online life insurance offers a wide range of options such as long-term and short-term plan options. Because it is done online, making life insurance documents is easier.
They offer several terms ranging from 10, 15, 20, 25, to 30 years. Bestow can serve anyone from 18 to 59 years old. Bestow claims to be able to offer a policy of $500,000 for just $16 per month.
For maximum money, you can claim around $1,5 million.
The company is a comparison marketplace tool that makes life insurance shopping for all types of life insurance easier. They offer term life insurance ranging from $500.000 to $10.000.000. For a period ranging from 5 to 30 years.
Although Policygenius already provides online services, not completely. The reason is, they are a market that has some online life insurance companies and others do not provide online services.
Policygenius is suitable for those of you who are comparing which life insurance is best for you before you use their services.
5. Ethos Life
This company is one of the best insurance companies that also sell life insurance policies online. You could say Ethos Life is the first in the service to sell policies online. This company does not require a medical examination during the application process.
The method is quite easy, you only need to answer questions from the Ethos company to get a life insurance policy. Of course, this greatly facilitates customers in submitting their life insurance policies.
There are various kinds of policies that Ethos offers to the public. Starting from a period of 10 years to 30 years. The number of payments ranged from $20,000 to $2 million. This policy is available for those aged 25 to 65 years old.
For those of you who are 66-85 years old, Ethos also offers a lifetime policy. The payout is also lower. from $1.000 to $30.000 only.
6. Fabric by Gerber
This insurance company can be one of the best insurance company in the world. Fabric By Gerber also provides online term life insurance services. This company also provides term life insurance without having to do a medical examination first.
Fabric By Gerber offers policies to you aged from 25 to 60 years. Premiums are offered to start from only $6 per month. For the value of the policy, you can get from $100.000 to $5.000.000.
The period that this company offers starts from 10, 15, 20, 25, and up to 30 years.
This company is a fully online life insurance company. You can get a policy if you are between 20 and 60 years old. For benefits, you can get from $100.000 to $8.000.000 when viewed from the Ladder page.
They offer terms ranging from 10 years to 30 years.
This company offers life insurance online with a fairly low premium value. LeapLife doesn’t set timeframes like most companies. You can purchase a whole life policy simply by contacting their life insurance specialist.
The company has become an online life insurance comparison tool. This company allows you to compare term life insurance online very quickly.
There are several types of policies that you can choose from and you can fill out the form directly online. Although they compare life insurance to other companies, you can register directly through their application.
This company is a life insurance company that is different from other companies. Sproutt offers premiums at a low value. One of the unique things about Sproutt is that you can get low premiums by looking at your health activities.
If you have a very healthy lifestyle and score high in a healthy lifestyle, the lower the premium you pay. That way, you can save more money.
Best Insurance You Can Use
Those are some of the best online life insurance companies you can use. With so many options that you can access online, it will be easier for you to get an insurance policy for a better life.