Whole Life Insurance with No Medical Exam, cheap life insurance without medical exam.

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Getting a Whole Life Policy Without a Medical Exam

Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

The Benefits of Skipping a Medical Exam

There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

What a No Exam Policy Will Cost You

Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

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Life Insurance With and Without a Medical Exam, AIG Direct, no medical exam life insurance quotes.

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A Look at Life Insurance Policies with and without a Medical Exam

Many term life insurance carriers require a medical exam when you apply. Some don’t. Here’s a look at the impact of having an exam or not.

Term Life Insurance with a Medical Exam

It might seem inconvenient (or even unpleasant) to get a medical exam, but it can benefit you.

The Insurance Carriers that offer term life insurance with a medical exam, require an exam to get an accurate idea of your health situation. It helps them to rule out health problems, identifying conditions that might increase your risk of dying. Once they know about your health, they can assign you an appropriate rate based on risk. If you’re healthy and your risk of dying seems low, you’re likely to get a lower rate than someone with health issues.

The medical exam is usually performed by a paramedical professional or nurse. For your convenience, you can schedule it at your home or place of work. It usually takes about 30 minutes or less. The exam consists of basics such as checking vital signs, a blood test and urinalysis. In some cases, the carrier may want additional tests, such as an EKG/ECG.

While having a medical exam isn’t usually something to be concerned about, be aware that it can reveal a health condition you weren’t aware of. Also, if you are declined term life insurance based on what the exam reveals, it could impact your ability to become insured elsewhere.

Term Life Insurance Without a Medical Exam

Term Life Insurance without a medical exam has a tendency to be more expensive than medically underwritten policies. That’s because, generally speaking, the carriers average out everyone’s risk and charge accordingly. So, if you are in good health but choose to purchase term life insurance that does not require a medical exam, you may end up paying a higher premium than necessary.

Most of the term life insurance carriers that do not require a medical exam will still inquire about your medical history and lifestyle. Based on your answers, they might set the premium rates higher or lower.

Some companies issue policies without asking any questions about medical history. This increases the risk to them, so they tend to charge higher premiums and set lower coverage amounts.

Term Life Insurance With a Conditional Medical Exam

Some term life insurance carriers require a medical exam only if it seems warranted after asking health and lifestyle questions. For example, if they find out that you are a smoker, had a serious illness or want a high coverage amount, they might require an exam.

To learn more about term life insurance and the application process, contact AIG Direct today. Our licensed professionals can help you decide if having a medical exam as part of the application process makes sense for you or not.

New York Life – Apply Now – Life Insurance up to $50, 000, term life insurance without exam.

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For life’s simpler needs.

Life insurance online in minutes.

  • Affordable term life insurance $10,000 to $50,000
  • No medical exam or lab work. just health and other information
  • It’s easy to apply by mail or complete your application online

Start here with an

instant term life quote.

Thank you for your interest

We’re Sorry

An error has occurred, and we are unable to provide you with an online quote at this time.

To get a quote by phone, please call New York Life at 1-800-361-1741.

Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

Whole Life Insurance is

coverage you can keep for a

lifetime to help you protect

your long term needs.

Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

New York Life offers a range of coverage amounts and solutions including:
  • Coverage over $50,000
  • Retirement planning
  • Mortgage protection
  • Long term care insurance

Monday – Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

or click here for more information.

Backed by the Strength of New York Life Insurance Company

New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any


“Exceptionally Strong”

“Very Strong”

from Standard Poor’s


Ratings as of 01/01/18

A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

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Includes details on costs, eligibility, renewability, limitations and exclusions.

Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

Maine Residents: A buyer’s guide and policy summary are available upon request.

2018 New York Life Insurance Company. All rights reserved.

Term Life Insurance, no exam life insurance quotes.

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Buying Term Life Insurance with No Medical Exam

Buying term life insurance with no medical exam is an attractive option for people who don’t want to go through the time-consuming hassle of getting checked out by an unfamiliar health care professional. (Most insurance companies do not accept a medical exam from your primary physician.)

Others seek out term life insurance without a medical exam requirement because they know they’re not in the best of health and may end up paying a higher rate as a consequence of the medical report. But this route isn’t for everybody and will even limit your life insurance options.

So, with this in mind, here’s what you need to know about buying term life insurance with no medical exam and whether it’s right for you.

How to qualify for term life insurance with no medical exam

First, you need to know that if you buy term life insurance without a medical exam –commonly known as guaranteed issue life insurance –you will have limits on the death benefit offered in the policy.

Many companies put a $100,000 or $250,000 cap on life insurance policies issued without a medical exam. Moreover, the shorter the term of your life insurance policy, the better the odds that can get away without taking one of these exams.

Needless to say, insurance companies don’t really care much about your risk of getting lung cancer when you’re 55, if your term life insurance policy expires when you’re 45.

Term life insurance: No medical exam

Buying term life insurance with no medical exam can sound like a great idea, but if you’re not careful it can easily backfire. Many insurance companies will offer life insurance policies without a medical exam if you at least fill out a medical history form.

If your family has a history of heart disease, but you’ve done cardio-exercises religiously for ten years, a medical history will raise red flags that a healthy medical exam report might mitigate somewhat. Likewise, many people who seek life insurance policies without a medical exam, know that they’re not in the best of health, and insurance companies aren’t exactly ignorant of the trend, either.

By forgoing a medical exam as a healthy adult, you could be costing yourself a good chunk of money with higher premium rates.

No exam life insurance quotes

Term life insurance: No health questions

Some insurance companies truly take the hassle out of buying term life insurance by allowing you to skip the medical exam and asking no health questions. Other companies dispatch with a formal medical history but still ask a few basic questions, such as any pre-existing major illnesses and relatives with a history of cancer or heart disease.

Even these questions will only a minimal effect on your rates, given low benefit coverage and a short term length. Beware, however, that there are potential drawbacks to opting out of either the medical exam or a more detailed medical history. Once your term life insurance policy expires, you may not be able to renew the policy if a major medical condition has presented itself in the meantime.

To avoid this problem, you can choose a term life insurance with an automatic renewal option, but these policies usually require a medical exam.

Advice for life insurance medical exams

First, if you don’t have any spare time, it’s worth noting that most insurance companies are willing to send their paramedics to your home to conduct the medical exam. That said, if you decide it’s best to go ahead and take the medical exam, there are several things you can and should do to get the best results possible.

Focus on eating a healthy diet the week before the exam, paying particular attention to eliminate salt and fatty foods. Three days ahead of the exam, cut out alcoholic beverages and nonessential medications that can elevate liver enzymes.

The day before, completely eliminate stimulants as the will elevate blood pressure.

And, as counterintuitive as it seems, refrain from strenuous activities the day before the exam to avoid elevating proteins in the urine. This may sound like cheating to some, but you better believe your life insurance company will peruse the medical report to identify any areas of elevated risk that you present. Every little bit helps.

Finding online quotes for term life insurance

No matter what choice you make or policy you need, finding quotes for term life insurance is the easy part. Simply fill out a brief online form, and we’ll start matching you with the insurance companies in your area that best fit your insurance needs.

Buying term life insurance is a hassle in the best of circumstances, and, at NetQuote, we try to minimize this hassle by affording you the opportunity to review reliable quotes from several different companies from the comfort of your own home.

No Medical Exam Term Life Insurance, no medical exam term insurance.

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No Medical Exam Term Life Insurance

No medical exam term life insurance does not require an in-home exam like traditional term life does. It’s the same great coverage, without the fasting, needles, and inconvenience.

How does 24-48 hours sound? Yes, some companies are that fast. Depending on your age, amount, and company, your new policy could be in force from one day to a few weeks.

AmountsВ range from $25,000 to $1 Million, depending on your age and the company you choose. And if that’s not enough, combine two or more policies to get the amount you need.

No poking, prodding, or peeing in a cup.

Buying term life insurance online should be like ordering a book. Or a movie. Okay, maybe not that easy, but it should certainly be easier than the purchase of a car.

Sadly, it’s not. Not even close.

Sure, it’s easy to get term life insurance quotes online. There’s no shortage of websites offering them. But that’s the easy part. There’s a whole application process that comes after the quote.

And that process can take 4-6 weeks to complete. Some people can wait that long, either because they have other coverage or want to save money by going through underwriting.

But others can’t wait. They need it now. For a trip, bank loan, or just because they’ve put it off for too long already. No medical exam term life insurance was made for this select group.

It was also made for people who simply do not want to complete an in-home paramed exam.

How No Medical Exam Term Life Works

These are the most important things to know:

  • No exam required – No paramed exam means no blood, no urine, and no nurse visiting your home.
  • It’s faster – Way faster, like a cheetah racing an elephant faster.
  • Coverage is limited -В $1 Million is the current maximum. But you can buy more than one policy from different companies.
  • There are age limits – Age restrictions vary by company and amount. The maximum age ranges from 60 to 70.
  • It may cost more – Depending on your age, the coverage amount and other factors, you may end up paying more for a no medical exam policy. But not always. It’s worth the time to take a look. And remember, with a no medical exam policy you’re paying for speed and convenience. You’ll need to decide how much that’s worth to you.
  • You may not qualify – Some no medical exam term life policies are tougher to qualify for. Without the exam, the company has less information to go on. If you have specific medical conditions or history, the company may ask you to complete an exam or even decline your application.

Facts on Life Insurance without a Medical Exam, Trusted Choice, life insurance no physical exam.

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No Medical Exam Life Insurance

Many people purchase life insurance to help secure the financial stability of their loved ones after their death. In most cases, you must submit to a medical exam in order to purchase a life insurance policy, because the insurance company wants to assess the risks involved with insuring you. But some insurance companies offer life insurance policies without a medical exam.

How do these policies differ from those that require a medical exam? When is a good time to buy no medical exam life insurance? When should you avoid it?

Leading Causes of Death and Life Expectancy in the U.S.

According to the Centers for Disease Control and Prevention and National Center for Health Statistics:

  • The leading causes of death in the U.S. in 2014 were heart disease and cancer.
  • Other causes of death include chronic respiratory diseases, unintentional injuries, diabetes, and motor vehicle crashes.
  • In 2013, the average life expectancy at birth was about 78 years old.

What Is No Medical Exam Life Insurance?

Typically, when you purchase life insurance, you are required to fill out paperwork and submit to medical tests in order for the insurance company to determine if you are eligible for coverage. A nurse or other health practitioner will ask in-depth questions and take blood and urine samples to test for various health conditions that make you riskier to insure.

If you have health problems, you could face significantly increased premiums, or even rejection.

No medical exam life insurance is a way to skip the paperwork and exams and obtain a small amount of life insurance even if you have some health problems. Basically, it is a way for you to get life insurance without a physical exam. No exam life insurance is also commonly referred to as “guaranteed issue” and “simplified issue” life insurance. These policies are often marketed to older people who might have medical issues that make getting other life insurance difficult.

No medical exam life insurance policies are term life insurance policies, often with a relatively low face value. Term life insurance policies pay a death benefit if the insured person dies within the policy term, such as 10, 20, or 30 years. No medical exam policies often have lower face values, but can be purchased for larger amounts, such as $250,000 to $500,000.

You can obtain term life insurance quotes for no exam coverage with no medical exam and perhaps only a few medical questions. Your premiums may be higher based on your answers. This may seem like a fast, easy way to get life insurance, but because the insurance company has no insight into your health condition, your premium will be much higher for the amount of coverage that you buy.

The Two Types of No Medical Exam Life Insurance

Guaranteed issue life insurance. Also called guaranteed acceptance life insurance, this does not require a medical exam, nor does the insurance company review your medical records. Usually you will be required to answer only four simple questions:

  • Do you smoke?
  • Are you currently in a hospital or long-term care facility?
  • Do you have AIDS or HIV?
  • Have you been declared terminally ill?

Guaranteed issue policies can provide some level of protection and comfort for you. But they are also extremely expensive relative to other forms of life insurance, and offer a relatively low benefit.

Simplified issue life insurance. This typically does not require a medical exam, but the insurance company will ask more detailed medical questions and may ask to view your medical records. You may be rejected for coverage if you have certain medical issues.

When to Buy No Medical Exam Life Insurance

No medical exam life insurance is often marketed as affordable, convenient, and fast. While this is somewhat true, it is still not the right solution for everyone. Only certain people will truly benefit from purchasing no exam life insurance.

  • If you have a chronic health condition like diabetes that is not under control, purchasing life insurance can be expensive or impossible. You may be able to purchase guaranteed issue life insurance in these cases.
  • If you cannot wait to purchase a fully underwritten policy, no exam life insurance may be a good option. These policies can sometimes be issued in as little as a few days.
  • If you have a risky occupation or participate in a risky hobby, you might have a hard time getting life insurance that utilizes a complete underwriting process, even if you are healthy.
  • If you are older or have a serious health condition and want to help your loved ones pay for funeral or final expenses, a no medical exam life insurance policy may help give you peace of mind.
  • If you have health problems and your employer does not offer group life insurance, no exam life insurance may be a good option for you. Employer-provided life insurance is usually obtainable even for those with health problems, and it is usually very affordable for small amounts of coverage. But if you lose your job or your employer stops offering the coverage, you may be a good candidate for no medical exam life insurance if you have no other options.

If these circumstances do not apply to you, and you want to provide for more than just final expenses, no medical exam life insurance is probably not for you. Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

You may also want life insurance to fund your children’s education and other future plans. Under most circumstances, submitting to the medical tests and underwriting process will be the best option for obtaining appropriate life insurance that achieves your goals and gives you peace of mind.

How to Find No Medical Exam Life Insurance

Even if you need life insurance fast and no medical exam coverage is your only alternative, you still need to do your homework. Get quotes from multiple insurance companies and make sure that the death benefit and premium amount are satisfactory for your needs and budget. Also, be sure to check out the financial stability of your insurance carrier. You can review insurance company ratings through A.M. Best, Standard Poor’s, and other financial information services.

A Trusted Choice В® independent agent can help you shop for no medical exam life insurance. An experienced local agent can help you review your options and determine if no medical exam life insurance is a good option for you, and can help you obtain quotes from multiple insurance companies. Find a local agent and start getting quotes today.

No Medical Exam Life Insurance: Globe Life Official Site, no exam life insurance.

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No Medical Exam Life Insurance Simple Application

A No Medical Exam Life Insurance policy with just a simple application can now be purchased from the comfort of your own home. Getting traditional life insurance can be time consuming, involving multiple steps that can wind up distracting our attention from our required routines. If you work long hours, travel a lot or have a difficult schedule, you may be avoiding the perceived hassle of getting a policy. Life Insurance is a viable modern day option.

A No Medical Exam Life Insurance policy means people can receive real coverage, without having to provide blood and urine for testing. With No Medical Exam Life Insurance, you only have a simple application.

No exam life insurance

Getting Educated About No Medical Exam Life Insurance Simple Application

For those of us living very busy lives, we need to learn about No Medical Exam Life Insurance because it helps us to get the process over with in a way that causes the least amount of interruption to our lives. The ease of getting Life Insurance No Medical Exam Simple Application coverage assures that you won t be forced to delay getting insured just because you lack the necessary time to give the purchase your full attention.

No Appointments Required

Typically, to get a life insurance policy, you have to qualify by passing a basic medical exam. Of course, this often means making an appointment with a doctor, providing a urine sample, and having blood drawn. Another option is that that an insurance company hires a private nurse to visit you and home in order to draw your blood and take a urine sample. Naturally, this means finding the mutually available time span that would allow for an appointment.

No Medical Exam Life Insurance Policy

Your loved ones deserve the security of knowing they are protected, and obtaining a No Medical Exam Life Insurance policy with just a simple application can be tangible evidence of your caring concern for their welfare. If you don t like needles and do like the simplicity and convenience of getting insurance without being examined, No Medical Exam life insurance Simple Application can be an attractive option.

No exam life insurance

Rushmore University

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1.0 The Candidate contacts Rushmore University for information on our programs, our services, and our cost structure. 1.1 The Candidate receives a response from Dan Dolejs, the Director of Admissions and Records. This is a basic letter, referring to information available on the website, and asking for the candidate to complete the Application available online, explaining fees and requirements. 1.2

Professor Robert M. Donnelly The Rushmore MBA in Entrepreneurship is a unique learning experience for any Managing Director, CEO or Executive who needs to embellish their skill set with the tools necessary to manage more effectively in the global competitive environment of the business world of today and tomorrow. It is also a wonderful opportunity for anyone who is seriously

Since 1995, Rushmore has delivered a strong learning and delivery program to hundreds of students. Many of the texts that we stipulate for completion of courses are the same textbooks used in leading edge business schools throughout the world. One requirement for graduation from Rushmore is that the student complete a Capstone Paper, conveying one credit hour, at the end

Rushmore University Payment
and EEOC Policies

Rushmore University Payment and EEOC Policies Any candidate with specific learning needs and with access to a computer is capable of completing Rushmore University work, since all Rushmore work is completed online. In the past, Rushmore has accommodated both blind students and students with disabilities easily. There is no face-to-face interaction between faculty and students, and except in special cases,

The Rushmore Open Learning Program Practical Paper A practical paper must, not surprisingly, show evidence of practical application. The typical layout for a practical paper would be: Executive Summary: about 150 – 200 words Overview of (name of the course text): about 300 words Problem to be solved Solution Implementation Results (or Outcome) Conclusion These headings are not obligatory –

Title Page Check that you have answered all the questions. Make sure that: The version of English is specified. We need to know this, as the spelling and punctuation differ. Make sure your computer was set to the correct version of English, as the Autocorrect function will change the spelling of common words to the language you set it to.

Creating a Dissertation has been compared to starting with a blank piece of paper, creating the questions to be asked, researching the answers to be utilized, and solving a problem heretofore unsolved and unaddressed. Many times, students approach the development of a Dissertation in a way which helps defeat them even before they begin. They look at a Dissertation requirement

Rushmore University has recognized the importance of certification and accreditation of our program to the growth and long term development of our educational program. We also believe that, since we are domiciled in the Cayman Islands, a UK-based Accrediting and Certification Group is appropriate. The bona fides of Chartered Management Institute are exceptional and lend themselves well to our method

Courses Based on Books by Rushmore Professors 1112 Poynter on Writing and Publishing Books Text: The Self-Publishing Manual: How to Write, Print and Sell Your Own Book Or Writing Nonfiction: Turning Thoughts into Books By: Dan Poynter Rushmore Professor Dan Poynter is the pre-eminent expert on writing, publishing and marketing non-fiction books. He has written over 30 books and has sold hundreds

Rushmore’s Affiliation with Chartered Management Institute Rushmore offers our Open Coursework Degree program, or a Certified Program through Chartered Management Institute. If your use for your Degree requires Certification/Accreditation, you will be encouraged to become affiliated with Chartered Management Institute. The following information was furnished to Rushmore by CMI. CMI Membership Benefits CMI Membership brings with it professional recognition and

Dr Michael Cox was the architect behind the concept of Rushmore University…a concept that focuses on learning, rather than teaching, and on one-on-one interaction between the Professor and the student, all made possible by the communications and research capabilities of the Internet. Equally compelling to the thought process is his description of how he developed a process that he termed

In our Rushmore Open Enrollment, you will develop your own curriculum, aligned with your personal career goals. In our CMI-Certified Course, you will have a choice of courses which meet the standards set through CMI and its world-class development group. You may begin with Short Courses, developing your focus on leadership and achieving personal success. You may learn new skills

With Rushmore’s Open Enrollment MBA/PhD/DBA, there are no mandated courses. You will design your own personalized curriculum. Our Professors work with you one-on-one to design a customized program of study. Since there are no specific courses required, you will not study subjects that you already know or do not need to progress your career and life goals. Instead, you will

Terms of Use

Existing and potential students may utilize Rushmore University’s website to review the material posted and to create courses and curricula for study in Rushmore’s Open Enrollment Programmes.

Affiliate with CMI

Why Rushmore has Chosen to Affiliate with Chartered Management Institute

Rushmore University has recognized the importance of certification and accreditation of our program to the growth and long-term development of our educational program.

We also believe that, since we are domiciled in the Cayman Islands, a UK-based Accrediting and Certification Group is appropriate.

The bona fides of Chartered Management Institute are exceptional and lend themselves well to our method of instruction and the integration of our program. We believe that affiliation will offer an outstanding opportunity for Rushmore to grow and prosper.


Term Life Insurance at Work, MetLife, no exam life insurance online.

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Term Life Insurance

Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

No exam life insurance online

Common types of term life insurance that may be available through your workplace include:

Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

For complete plan details, talk to your company’s benefits administrator.

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

  • Replacing lost income
  • Covering basic living expenses
  • Paying household debts, estate taxes and funeral expenses
  • Funding a child’s education
  • Supplementing retirement savings

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

  • Competitive group rates
  • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
  • Convenient payroll deductions
  • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
  • The confidence of knowing that your employer has reviewed and selected the plan

All you have to do is sign up, and sometimes enrollment is automatic.

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

  • Salary
  • Benefits/health insurance
  • 401(k) and retirement savings
  • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

Then, subtract your personal expenses including:

  • Annual spending on personal needs, such as food, clothing, entertainment, etc.

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

Premiums are typically based on factors such as:

  • Age, sex, height and weight
  • Health status, including whether or not you smoke
  • Participation in high-risk occupations

Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.

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    • TDD: 518-464-8501

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    If you’re entering a non-nursing undergraduate program: skip the application and enroll directly.
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    MBA Degrees | MBA Programs | Master of Business Administration | Online – Excelsior College


    Master of Business Administration (MBA) Degree

    An MBA degree prepares you for leadership. So why not earn your MBA from a national leader?

    Get an online Master of Business Administration from Excelsior College, one of America s top distance learning colleges for more than 40 years.

    Excelsior s convenient, fully online MBA program is specifically designed for working adults and other nontraditional students. You can fit Excelsior s online MBA classes comfortably into your schedule and budget, earning an MBA degree that will help you:

    • Improve your job performance.
    • Raise your earning potential.
    • Help you compete for promotions.
    • Prepare you for leadership roles, including business ownership.

    Earn Your MBA Degree in Less Time, for Less Money

    Excelsior designed its online MBA program for adult students who have busy lives and a lot of real-world experience. You ll enjoy:

    • Generous credit-transfer and credit-waiver policies that let you build on your existing knowledge and earn your MBA more quickly.
    • A cutting-edge academic program designed by world-renowned business educators.
    • Personalized academic support from advisors who know you by name.
    • Outstanding faculty from some of the country s top business schools.
    • A budget-friendly fee and tuition structure. along with flexible-payment options, financial aid, and other forms of support.

    MBA Degree Specialties for Today s Economy

    In addition to the general Master of Business Administration degree, Excelsior offers specialized MBA degrees in numerous growth industries.

    MBA Degree Credit Requirements

    The MBA requires 36 – 51 credits, depending on a student s prior learning. Students may transfer in up to 24 approved credits. The program has 5 foundation requirements that can be waived on the basis of prior upper level undergraduate study in the relevant areas. Approved undergraduate courses must be no older than 10 years, with a grade of B or better. The foundation requirements are:

    • Ethics
    • Economics
    • Marketing
    • Organizational Behavior
    • Quantitative Analysis

    Any waivers will be counted as part of the 24 credits allowed in transfer. See catalog for further details.

    Program Outcomes

    Upon completion of an Excelsior College Master of Business Administration, the graduate will be able to:

    • Analyze real-world business problems and generate recommendations for action.
    • Integrate accounting, marketing, finance, management, and economics into strategic business analysis.
    • Assess the impact of the global business environment on business situations.
    • Apply quantitative methods to analysis of business situations.
    • Perform ethically and professionally in business and society.
    • Communicate effectively to relevant audiences orally and in written materials.
    • Collaborate in teams to produce required deliverables.
    • Apply project management skills to business situations.
    • Assess the ethical implications of actions for diverse stakeholders.

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Human Resources Management

Effective HR management leaders put individuals in a position to succeed. We do the same thing at Excelsior College: We help adult students succeed by offering a fast, affordable route to an Master of Business Administration (Human Resources Management) .

A national leader in distance learning for more than 40 years, Excelsior College can help you fit an MBA program into your schedule and budget. Our human resources management concentration features:

  • Online classes that you take at your convenience.
  • A fast track to graduation, with liberal credit-transfer policies that get the most out of your previous education (including approved military classes and professional certificates).
  • Budget-friendly tuition, financial aid, and flexible payment options. (Get the exact figures on Excelsior’s low tuition and fees. )
  • Rigorous HR management classes that are academically equivalent to traditional on-campus programs.
  • Personalized academic advising and support.
  • Sensitivity to the particular educational needs of working adults.

Here’s how an Excelsior College MBA can help you fast forward your career.

A Practical MBA With a Real-World Focus

Excelsior College is accredited by the Middle States Commission on Higher Education. To learn more about the MSCHE accreditation programs and specialized accreditations, see our accreditation page.

Excelsior’s MBA programs emphasize practical workplace knowledge over theoretical learning. You’ll take online HR management classes in subjects such as:

  • Labor relations
  • Conflict resolution
  • Compensation and benefits

Review the degree requirements for Excelsior’s online MBA program.

Upon completion of an Excelsior College Master of Business Administration, the graduate will be able to:

  1. Analyze real-world business problems and generate recommendations for action.
  2. Integrate accounting, marketing, finance, management, and economics into strategic business analysis.
  3. Assess the impact of the global business environment on business situations.
  4. Apply quantitative methods to analysis of business situations.
  5. Perform ethically and professionally in business and society.
  6. Communicate effectively to relevant audiences orally and in written materials.
  7. Collaborate in teams to produce required deliverables.
  8. Apply project management skills to business situations.
  9. Assess the ethical implications of actions for diverse stakeholders.

The MBA requires 36 – 51 credits, depending on a student’s prior learning. Students may transfer in up to 24 approved credits. The program has 5 foundation requirements that can be waived on the basis of prior upper level undergraduate study in the relevant areas. Approved undergraduate courses must be no older than 10 years, with a grade of B or better. The foundation requirements are:

  • Ethics
  • Economics
  • Marketing
  • Organizational Behavior
  • Quantitative Analysis

Any waivers will be counted as part of the 24 credits allowed in transfer. See catalog for further details.

See the credit requirements in chart form .

IACBE Specialized Accreditation

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.