Life insurance no physical. There is no need to do a physical exam for smaller amounts of life insurance anymore, that is, if you can qualify.
It used to be that only younger people had the privilege of getting a life insurance policy without having to do a medical exam. The life insurance companies know that younger people are unlikely to die within specific periods of time.
They therefore issued non medical life insurance for pretty large amounts of life insurance to them. Medical science has rapidly advanced in recent years and as a result many diseases that were considered terminal are now treatable. People are enjoying productive lives much longer than they used to.
Don't Overpay For Your Non Medical Life Insurance Policy - Get Low Cost Life Insurance Quotes From Quality Carriers.
In addition information is easily put into the grasp of the underwriters today. It used to take weeks to get reports on an applicants medical history. Today information can be faxed to the life insurance companies in seconds.
In addition the Medical Information Bureau stores information on people who had applied for a policy in the past. This info is easily accessed by insurance carriers.
As a result of these advancements more and more companies are issuing larger amounts of
no medical life insurance.
One of the most outstanding carriers issues up to $1,000,000 life
insurance with no physical required between ages 18 and age 60, others offer up to $500,000 coverage without a physical up to age 50 or 60.
All you need to do is to complete a short questionnaire a providing information about you present state of health as well as relevant medical history.
You can buy 10 year term life insurance, 15 year term life insurance, 20 year term life insurance and 30 year term life insurance in this way. These policies are renewable up until age 95 without any evidence of insure-ability.
This means that if you bought a 10 year term policy, for example, and you wish to renew it at the end of the 10 year period you may do so without having to qualify all over again.
Isn't this a great way to buy life insurance?
Buy quality term life insurance - no physical exam required...
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.