Shop and compare no medical exam term life insurance online.
Some real quality life insurance carriers are on the Internet marketing life insurance at this moment.
Why do they do this? Why not have the applicant go through the regular examinations by a doctor or paramedic?
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They do this simply because it is good business to market life
insurance in this manner. Much of the expense usually incurred in issuing a policy is eliminated. As
indicated the medical costs are not there.
From the consumers point of view, how does buying life insurance in this manner help?
It is simply a matter of time. They can go online and get an
approval in about 15 minutes. Normally this procedure takes 3 weeks to a
They don't need to wait for an agent to come to their homes or businesses to write the application then upon approval wait for the agents convenience to get their hands on the policy.
The policy can be printed out online if approved in some cases. Not all carriers do this. Most of them prefer to mail you a policy.
When you apply for your life insurance policy that requires no medical exam you are offered the waiver of premium rider as well as the accidental death benefit rider.
The waiver of premium rider states that if you should become
disabled the carrier will pay your premiums for as long as you are
disabled even if is for the policy duration.
You must be disabled for a minimum of 6 months for the waiver to kick in, whenever you go back to work you start paying again.
The accidental death benefit rider pays double if you die in an accident.
If you are therefore between ages 18 and age 65 you can apply for up to $1,000,000 life insurance online with no medical required.
The policies offered are 10 year term, 15 year term, 20 year term and 30 year term life insurance policies. These are level term policies. The death benefit never decreases neither does the premium increase for the duration.
Buy no medical exam term life insurance online.
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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.