Shopping for a good life insurance quote can be such a hassle that you feel a couple years older once you're finished! But it doesn't have to be that bad.

Life is short to spend it listening to a life insurance sales pitch, only to have it followed up with a long application form with pages upon pages of disclaimers. You need to make sure your spouse and your little ones are taken care of should anything happen to you, but you don't have time to jump through all the hoops. Why can't life insurance be simple?

Good news, busy bee! Even life insurance companies have jumped onto the online shopping bandwagon. Instant Issue Term Life Insurance is just a click away.

What is Instant Issue Term Life Insurance?

Instant Issue life insurance is a virtually instant process of purchasing life insurance. Applicants are generally approved or denied within 10 minutes after filling out the online application. A lot of companies will even let you secure the policy with a credit card right then and there! The best part: There are generally no medical examinations required.

Time is Money

You know the deal. Convenience comes at a price. Going to the quick stop for a gallon of milk will be faster, but it'll cost you more than if you stopped at the supermarket.

So, instant issue term life insurance will come with a slightly more expensive monthly premium and generally smaller coverage. But hey, the insurance company is taking the risk of underwriting you with no medical examinations. If you value your time and can't stand the thought of a medical exam, a few extra dollars is totally worth it.

On The Run

If your family is young and keeping you on the run all day, instant term life insurance is a great solution for you. You can hop over to InsWeb.com's Instant Issue Term Life Insurance page to apply for a policy.

This way, you’ll be able to check it off your list instead of waiting to hear if you’ve been approved then going through the process again if you're denied.

Filling in The Gap

Instant Issue life insurance insurance is also a great option if your current term life insurance policy is about to expire. Securing another policy quickly will prevent you from having a lapse in your term life insurance coverage.

Instant Issue Life Insurance - What to Expect When Applying

You'll be asked about your general health and lifestyle--basic things like height, weight, smoking, and any existing health conditions. For the most part, though, you'll be filing out information about how much coverage you need and how long a term you would like to purchase.

Quick Life Insurance Quote Tips

• Make sure you get enough coverage to protect anyone who relies on your income
• Make sure you get enough to pay off any debts (the mortgage and cars, for example)
• Make sure you're factoring in expenses that can arise as a result of your passing. Beyond funeral expenses, think about the cost of health insurance and other services you provide for your family that they will have to pay for once you're gone.

Using a trusted online life insurance quote site to