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Are you among the 54% of American adults who already have some life insurance but may not have enough or feel you need more?***

Are you among the 27% of American adults who have life insurance specifically through your group coverage at work — but don't feel it is enough and worry about portability if you leave your job?***

Are you among the rising 29% of American adults who intend to buy life insurance online? That is almost 1 in 3 Americans.***

Are you among the 40% of insured who wish they had purchased their policies when they were younger?***

The good news is if you want to buy life insurance, you are at the right place for affordable, quick coverage and you may not need a medical exam**.

With Blanket™, you can apply for up to 3 Million of term insurance *, at an affordable price, from a leading carrier, potentially without a medical exam** and all in 10 minutes. All this can be done from the comfort of your home. You can sleep easy knowing you have helped to protect your loved ones for as little as the price of a cup of coffee a week.

* Applicants may qualify based on age, product, face amount, and personal history. Insureds cannot use any special underwriting program or reinsurance to qualify for their underwriting classification. If clients are not approved for accelerated underwriting , they simply revert back to traditional underwriting process and requirements.

** We ask about your age, lifestyle and health to determine if you may purchase coverage potentially without a medical exam. The issuance of the policy may depend on the answers you give when completing your application and the truthfulness thereof as well as the amount of coverage you select.

*** 2020 Insurance Barometer Study, Life Happens and LIMRA.

One reason people buy term insurance is for income replacement for their families.

A rule of thumb is that a 15x to 20x multiples of your annual income, depending on how close you are to retirement, is an appropriate amount of coverage to have according to many professionals.

The rule of thumb applied:
If you earn $50,000 of income a year, and are 35 years old. (30 years to retirement). 20 times $50,000 is 1 million of coverage that should be applied for at the very minimum.*

* Your personal number may be lower or higher depending on factors such as debt, income replacement need, or insured responsibility identification.

Every Blanket Term Policy is issued by an insurance carrier who is a member of the Fortune 500 group of companies. The carrier is one of the oldest, well priced and reliable carriers around. So sleep easy knowing you are well covered.

Founded by experienced insurance professionals who care deeply about their clients, Blanket will have you covered for up to 3 million dollars* in a matter of minutes potentially without the need for a medical exam!**

* Applicants may qualify based on age, product, face amount, and personal history. Insureds cannot use any special underwriting program or reinsurance to qualify for their underwriting classification. If clients are not approved for accelerated underwriting , they simply revert back to traditional underwriting process and requirements.

** We ask about your age, lifestyle and health to determine if you may purchase coverage potentially without a medical exam. The issuance of the policy may depend on the answers you give when completing your application and the truthfulness thereof as well as the amount of coverage you select.

The younger — and healthier — you are, the lower your premium will be. With term-life insurance, your premium is them same throughout the term of your policy. Even if you get older or your health declines, you will still pay the same affordable prices as when you first bought your policy, for the term of your policy. On the other hand, the longer you wait to buy your policy, the most costly your level premiums will be. Because of that, it’s recommended to buy your term-life policy from as soon as you have dependents.

Some factors to include when evaluating the amount of term life insurance to purchase include your income replacement needs and outstanding debt. Your policy needs to be big enough to repay your debts and to provide for your family for the years to come. If you have an annual salary of $30,000 a year and are 45 years old, you may need $600,000 to replace your income for the 20 years until retirement. Outstanding debt includes car loans, credit cards, mortgages, or personal loans. You want to ensure that your policy will be enough to cover both debt and income replacement for your family.*

* Your personal number may be lower or higher depending on factors such as debt, income replacement need, or insured responsibility identification.

An insurance premium is your monthly insurance payment, which keeps your policy active. The premium is based on factors such as your age, health, and policy size. Unlike other types of insurance, where premiums can fluctuate, your term-life insurance premium never changes. The affordable rate you start with is the same affordable rate that you will pay for the entire term of the policy.