How to Apply for Life Insurance Without Leaving Your House

Most people know, at least in the abstract, that they should carry a life insurance policy. Life can change quickly, and protecting your family against the unexpected is a key way to maintain peace of mind. 

Of course, just figuring out how to get life insurance can be intimidating. Can you buy life insurance online instantly? How do you shop for life insurance and get the best policy for you? When you’re looking for life insurance, options to buy online exist — but it’s important to seek advice and make sure your policy will cover everything you need. Here’s what you need to know. 

How to Shop for Life Insurance Online  

Do you need life insurance? The answer is almost certainly yes. If something were to happen to you, would your family be able to pay for the mortgage or keep up with the monthly expenses? Do you have any current or future debt your loved ones could be responsible to cover? Would your children have the funds to go to college? Could a family business continue to stay in the family? These are tough but necessary questions to ask, no matter what stage of life you’re in, and buying life insurance online can provide solutions.  

No one likes to think about these major “what ifs.” But here’s what you need to know about life insurance: It can help you enjoy life’s moments and protect your family’s financial future. A death benefit can help cover debts like credit cards or car loans, pay for funeral costs or other final expenses, ensure your family can stay in their home by paying down a mortgage, take care of monthly bills, send a child to college and more.  

And while the thought of applying for life insurance and going through the application process may seem daunting, it doesn’t have to be. You can simplify the process by shopping for life insurance and qualifying from the comfort of your home. The process may be easier and less expensive than you might think. And depending on the amount of coverage you want and eligibility requirements, you could complete the life insurance requirements from home — and possibly even buy life insurance online without an exam.   

Steps to Buy Life Insurance From Home 

It’s possible to start, and perhaps even complete, the process of buying life insurance from your own living room. You’ll need to answer some questions and understand your own needs. Here’s what the process might look like for you. 

Step #1: Contact Your Local Farm Bureau Agent 

If you’re thinking of buying life insurance, your first task is to reach out to your local Farm Bureau agent about applying for life insurance. You have options when it comes to type of life insurance, coverage amounts, cost, payment frequency and more. An agent will learn about your needs and goals, then help you find the best fit for the coverage you need.  

Step #2: Set Up an Application Meeting 

Once you reach out to an agent, you’ll discuss the application process. You may dive right into the application, or you might choose to set up a time to fill out the life insurance application. This can be done virtually or in an agent’s office. It all depends on what works best for your situation and preferences. 

Step #3: Complete Your Life Insurance Exam From Home 

Applying for a life insurance policy can involve an exam, which may include a questionnaire and/or physical exam. However, you might be able to skip the exam process. Or, you may be able to have someone perform the life insurance exam requirements at your home, depending on your eligibility. This can depend on how much coverage you want, certain application requirements and other factors that your agent will help you sort out. Talk to the agent about your options and preferences. 

Once you’ve completed your application requirements, Farm Bureau will take it from there. One of our team members will evaluate your application, and your agent will contact you once it has been reviewed. 

Protect Your Family’s Future  

Your family’s future is worth protecting, and life insurance can help you gain peace of mind knowing that major “what ifs” are covered. If you think you can’t afford life insurance, you’re not alone; many Americans believe that a policy is expensive and out of reach. But did you know you may be able to get life insurance for as little as a dollar a day? Connect with Farm Bureau and find out about the many ways life insurance can add protection throughout all of life’s stages.