My company used to offer us free life insurance, but with the way that the economy is right now, they had to take that benefit away. I had always thought that since I had life insurance through them, that I was prepared. Now, I need to start shopping around with different agents to see what kind of life insurance rates are out there and if I can even afford them.

I think that I heard if you get some no medical exam life insurance that it may be slightly higher than the other policies but it can be put in place much quicker than the rest also. I am looking for something to take effect quickly so I called three different local insurance agencies and asked them what kind of life insurance rates a forty five year old woman would be looking at and they told me that everyone is different and I would have to answer a few questions and then see what the no medical exam life insurance policy for me would be.

I was able to get the three quotes back within a few days and found that the life insurance rates were not as bad as I was expecting. I was going to get no medical exam life insurance for slightly higher than what I had been paying for with my life insurance with my company and I also had additional coverage.