Life insurance no medical or physical required.
Many people are opting to buy life insurance with no physical or medical exam needed.
These people are usually quite busy with their daily activities.
hey find it quite difficult to set aside time to go through the traditional method of buying life insurance.
For low cost life insurance with no medical required from an A rated carrier click here.
This method required a medical
if you policy was large enough to do the job you wanted it to do.
You had to give them blood or urine to test in additional to the routine exam administered by a doctor, nurse or paramedic.
You no longer need to go through all of this unless you want a real large policy. You can buy up to $1,000,000 life insurance online without any medical exam at all.
The only requirement is that you honestly answer a few pointed medical questions.
The company you apply with then checks out your information and
they give you an approval in about 48 hours, if you qualify.
They check with the Medical Information Bureau, they get a Pharmacy Report as well as a report from the Motor Vehicle Department. These reports they get in minutes. It is as simple as all that.
In some cases you may print out your policy online if you wish.Some companies insist on mailing you a policy.
You must be thinking, what kind of insurance do I get. These are the same types of term life insurance you would buy offline and do a medical to qualify.
How can they do this? Simple, technology is at such a level today that you would be surprised at what these companies can discover in a few seconds with your approval. When they issue a policy they are pretty certain you qualify.
Which are the policies they offer? These carriers make available
10, 15, 20 and 30 year term insurance.
ou choose the one that best fits your needs. You can apply is you are between ages 18 and 65. These policies are renewable up to age 95 without you needing to qualify all over again.
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.