This Web site contains a compilation of more than a thousand consumer finance
columns written by Tony Novak from the 1980s through 2006, updated and reformatted for
maximum usefulness today. New material was added after
2010.
Content is the opinion of the author and does not represent the
position of any other person or entity. Information is from sources believed to
be reliable but cannot be guaranteed.
The author is paid for product endorsements and has an ownership or
other financial interest in the businesses related to the topics
covered.
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Online application with no fee
originally posted: 11/22/2006
reposted: 2/18/2011 This post has not
been recently reviewed or revised by the author and may be out of date.
If you notice an error or are in doubt, please send a new question by
email or ask for an update. Email asktony@tonynovak.com.
Q: Can I get a firm offer for
life insurance without paying an application fee?
A: Yes; application fees are
required in advance only for paper applications. The companies that
offer online applications like Guarantee Trust Life Insurance do not
require any prepayment and you can accept or reject the offer of
coverage without commitment.
Keep in mind that the insurance is not in force until you make a
payment so often it makes sense to make an estimated first payment with
the application in order to bind the coverage immediately.
Summary
More resources:
Guarantee Trust Life Insurance Company
