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Life
Insurance Products
Life insurance (life assurance in British English)
is a contract between the policy owner and the insurer, where the
insurer agrees to pay a sum of money upon the occurrence of the
insured's death. In return, the policy owner (or policy payer) agrees
to pay a stipulated amount called a premium at regular intervals.
At buyinsurancenow.com you have the option of purchasing “online
term” life insurance, or traditional term life insurance.
If you are interested in a more permanent form of life insurance
such as whole or variable life insurance please contact us.
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Online
Term Life Insurance
Online Term Life Insurance – Our online term
life insurance products are just that; Policies that can be purchased
via the internet without the need to talk to an agent. The applications
are short and sweet and don’t take very long to fill out.
These policies are no blood non med, meaning that you don’t
need a medical exam to purchase the policy. After the application
is submitted you will get an instant reply based on the information
that you provided. If you are accepted you can print out your policy.
This process usually takes about 15 minutes. It is the quickest
and easiest way to purchase life insurance!
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Traditional
Term Life Insurance
From the “get a quote” page you can run
our quoting agent. This agent can quote several different companies
allowing you to pick the best plan for you. Unlike the “online
term” most of these products do require a medical exam in
order to purchase the policy. These products do offer a high amount
of coverage. We recommend the “online term” product
if you are interested in $300,000 of coverage or less. If you are
interested in more then $300,000 of coverage please run a quote
from the “get a quote” page to select a plan that is
best for you. And if you are interested in a permanent form of life
insurance please contact us.
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Health
Insurance
Health insurance is a type of insurance whereby the insurer
pays the medical costs of the insured if the insured becomes sick
due to covered causes, or due to accidents. The insurer may be a
private organization or a government agency. Market-based health
care systems such as that in the United States rely primarily on
private health insurance. A health insurance policy is a legal,
binding contract between the insurance company and the customer.
The largest difference between private sector health insurance and
life insurance is that for life insurance, a person may purchase
guaranteed renewable insurance for the whole of the insured's life
at a constant premium rate, while health insurance is generally
purchased year by year with generally no assurance of renew ability
and if renewable no guarantee that premium rates will not increase.
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Short
Term Medical Insurance
Short term medical insurance is a simple and affordable
form of health insurance coverage for a specific period of time.
This type of coverage is typically purchased by someone in a life
changing state. Short term medical insurance is perfect for people
that are in between jobs, recent collage graduates, or looking for
an alternative to COBRA.
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Traditional
Health Insurance
These are health insurance plans for individuals and families.
If you are interested in a good plan with awesome benefits please
run a quote from our “health products” page.
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Student
Health Insurance
This is insurance for students. This type of coverage is
great for students that are; no longer covered as a dependant under
your parent's plan, attending school outside an HMO or PPO region,
required to have coverage but choose not to participate in a college-sponsored
plan and for students who are finding their traditional individual
medical or other current coverage to be too expensive.
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Travel
Medical Insurance
This product was developed for people traveling to or from
the United States. It is designed to provide medical coverage and
assistance while traveling. Here is an example of the product details
for someone traveling to the United States. “Diplomat America
provides Accident and Sickness medical coverage, travel assistance,
and Accidental Death and Dismemberment benefits to foreign nationals
while visiting the United States. Coverage is available for you,
your spouse and unmarried dependent children, ages 14 days up to
18 years, while traveling to the United States. Coverage for traveling
outside the United States is available through the Diplomat International
and Diplomat LT programs. Brochures and rates are available from
your agent. Customized Group Coverage is also available.”
Here is an example for a US citizen traveling to a foreign country.
“Diplomat International provides Accident and Sickness medical
coverage, Accidental Death and Dismemberment benefits and Travel
Assistance to individuals while traveling outside their Home Country,
but not to the United States. Coverage is available for you, your
spouse and unmarried dependent children, ages 14 days up to 18 years.
Coverage for travelers coming to the United States is available
through the Diplomat America. Coverage for up to 36 months is available
through the Diplomat LT. Customized coverage can be obtained for
groups of 5 or more. Brochures and rates on these plans are available
from your agent.”
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Dental
Insurance
Dental insurance is insurance designed to pay the costs associated
with dental care. Dental insurance pays a portion of the bills from
dentists, hospitals, and other providers of dental services. By
doing so, dental insurance protects people from financial hardship
caused by unexpected dental expenses.
The American Dental Association states that more than half of the
population in the United States are not covered by any dental insurance
plan. Those who do have dental coverage often get it through their
employer as part of their health insurance plan. Depending upon
the type of medical coverage you have, it may be a good idea to
have a compatible program to eliminate any gaps or overlap within
the two plans. That may save money while allowing you to take advantage
of receiving necessary preventive care.
A conventional dental insurance plan may not necessarily be the
most cost effective type of coverage. Discounted dental insurance
has become quite popular, and there are plenty of companies competing
for your business. Compare features of both categories to decide
the best choice of dental insurance plan for your situation.
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Discount Dental Plans
These plans are not a form of insurance, but more of a
pre-paid dental card. You pay a monthly membership fee and that
entitles you to certain dental services. There are several different
plans on the market. We will soon have some discounted dental plans
on our site. If you are interested in dental coverage check out
“Multiflex.”
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