Want to buy some life insurance no exam required? It is much easier to get than most people think.
Yes, the life insurance company protects itself but if you give them the facts you will get a good policy. All they need is a true picture of your health. They do check.
They get a report from the Medical Information Bureau as well as a Pharmacy Report. They check with The Motor Vehicle Department for information on your driving habits.
Apply for no exam life insurance - Get Quick Approval
I recall a case years ago with a very good friend of mine. I completed a no medical exam life insurance form for him. I believe the amount of insurance
he wanted then was about $250,000.
When I got to a the question where they ask if he was a citizen or a legal permanent resident of the United States he replied that he was neither. His wife had no visa either but he had 2 children born in this country and he owned a home.
He said he was working on his permanent residence. Frankly, I did
not know what to do next. I took the application anyway and called the
home office of my company.
I spoke with an underwriter and gave him the facts. He suggested I submit the application and send it to his attention.
After weighing all the information he approved the policy. He
commented that he would not approve any additional insurance until this
person gets his permanent residence.
This approval came from the toughest, yet most successful, life insurance company in the industry.
To cut a long story short, this person got his permanent residence visa and then became a citizen. His wife and himself have a highly successful business. They make in excess of $1,000,000 per year and have bought more life insurance from me since.
What I am trying to get across here is that you come straight on the application you will have a better opportunity of getting an approval.
Life insurance no exam
is very commonplace today. The companies that offer these policies will approve up to $500,000 coverage without a medical exam. It is offered to people up until age 65 in some cases.
It is important to note that non medical life insurance has come a long way. Quite a few of the top carriers now offer it. Technology has reached a level where life insurance companies can get your medical history in a matter of seconds. Medical science is also at a level where so many people are living to and above age 100.
There is one carrier that will even approve up to $1,000,000 coverage if you are in good health. This particular carrier offers the policies between age 18 and age 60.
Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.