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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Life insurance

least expensive but not least important

Life insurance is less expensive but not less important than health insurance. The reasons for the price difference are obvious but the importance may not be as obvious. Life insurance is designed.

A working adult with dependents should typically have six to ten times their annual earning in life insurance. For example, a parent earing $50,000 per year should have between $300,000 and $500,000 life insurance coverage. In the event of death, and assuming solid financial management of the policy benefits, the family's minimally required income could be maintained to support the dependents for a reasonable period of time to allow for lifestyle adjustments. It is estimated that about 2/3 of adults are underinsured and so the family could not financially survive a premature death without major financial stress.

Life insurance policies can be issued directly online or - for larger amounts of coverage - the applicant may elect to provide the results of medical screening tests to the insurance company. Typically a healthy applicant whose body build or BMI index is within the ideal range will save money by taking the extra effort of allowing a paramedical examination and blood test as part of their life insurance application process.

Freedom Benefits offers a free multi-carrier online life insurance quoting system called the QuoteIntelligence Term life insurance. Because of the wide range of options and "non-published" details about the available options it always makes sense to speak with an enrollment adviser before starting the search and application process.

Frequent travellers should consider an international life insurance policy to avoid the exclusions common in most domestic policies.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. Any tax advice in this communication including attachments and linked resources cannot be used by the taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.