No exam insurance can be pretty easy to get in today's world.
It used to be that most life insurance policies, especially after age 40, were obtained after a rigorous medical examination.
If the policy was large enough you would need more than one examination which may include blood or urine tests.
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People are taking better care of themselves and as a result life insurance companies issue policies after you answer a few questions truthfully about your family history and your medical history. They issue a no exam insurance policy, sometimes right there online.
These no exam life insurance policies are really designed for the person who is very aware of their need for
but really doesn't have the time to get a
These people are usually between ages 25 and 65 and are in good health to the best of their knowledge. These policies are not for those who are at death's door and think they can get one by the insurance company. Rest assured the insurance company takes good care of itself...
The policy is issued but the life insurance company has the right
to withdraw it within a specified period of time if they should uncover
anything that may prevent the applicant from getting no exam life insurance.
The company is not just sitting there waiting for information to come to them. They check out the responses that you give on your application for insurance...
If you are found to be an acceptable applicant you have a policy, if not, it may be rated or withdrawn.
The types of policies issued on this basis are usually
term life insurance
policies but whole life is offered by some companies. Two of the favorites are the
10 year term
20 year term
The 15 year term, 25 year term and 30 year term policies are also offered by some companies. You may add, if you will, the waiver of premium rider and the accidental death benefit rider.
To conclude, if you want to purchase life insurance and you are in an acceptable state of health but simply don't seem to be able to find the time to get a medical done you can apply for up to $1,000,000 no exam insurance online.
Get Quality Term Life Insurance - Up to $1,000,000 in Coverage in Minutes if you qualify.
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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.