No Medical Exam Term Life Insurance


No Exam Term Life Insurance

Life has a funny way of making us feel more and more concerned about the safety and well-being of our family as we get older. The thought of leaving our loved ones with little or no support after we are gone is daunting. You know you need life insurance, and you’ve known for a while, but for some reason you haven’t taken the leap.

If you’ve been putting off getting term life insurance, then why not make it convenient by looking at term life insurance with not physical exam or medical required?  Term life insurance with no medical is available in from $25,000 to as much as $500,000.

Purchasing no exam life insurance can be completed with the insurance inforce in a day or two.  Sometimes it happens immediately.

Make It Convenient

Companies that sell term life insurance with no medical exam employ a streamlined rapid decision process to decide if you qualify for life insurance. You benefit from the ease, convenience and speed of the process. Underwriting typically utilizes either the internet or an application completed on the phone. You may obtain coverage immediately or within a day or two. No waiting and wondering for weeks to see if you qualify or not.

Depending on your age, level term insurance is available with premiums guaranteed for
10, 15, 20 or 30 years. Coverage is generally available for people ages 16 to 75 years.

Standard policy issuance depends only on answering a few health questions during the underwriting process. If you do not qualify with your health history then you will want to check out guaranteed life insurance.

No exam term insurance can be more expensive than fully underwritten (medical exam required) term insurance.  But not always.  Take a look at all of your options before you make a decision.  Your insurance professional can assist in making the best decision.

 Posted by at 4:07 pm