No Medical Term Life Insurance

A Little Information On No Medical Term Insurance

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No medical term life insurance. Life insurance was designed many years ago to protect wives and children in the event of the premature death of the husband and father. You see, men were the ones at that point who went out and earned that dollar to protect the family.

Women had the more important role of seeing that the children were properly raised and managing the home. At the inception it didn't matter very much whether one bought whole life or term. If there was a favored type of policy it was whole life.

Then comes a revolution about 30 years ago by one company that was obsessed with the idea that if people bought term insurance they could provide more protection for their families. Men as well as women began buying term policies.

This revolution introduced stiff competition from other carriers to offer the lowest term life insurance premiums. It has not stopped to this day. Companies still try to safely create the lowest term premiums.

Then comes the bright idea from one carrier to allow people to buy term life without doing a medical exam at older ages. Young people could always get life insurance without having to do a medical. I refer to people in their twenties and possibly early thirties.

Because of the advancements in medical science, and because early diagnosis allows many a fatal disease to be cured or slowed down tremendously, some life insurance companies will issue policies up until age 65 without the applicant having to do a medical.

The companies ask probing questions on their non medical forms which are sufficient to expose most serious ailments that a person may have, unless it is something they know nothing about or have no symptoms for. They affirm the answers with the MIB...Medical Information Bureau.

They offer level term policies at very competitive rates. If you are in good health they will likely approve your no medical term life insurance policy online. You can print it out right there and then. An approval takes about 15 minutes.

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