No Physical Term Life Insurance
Complete Easy Online Application
No Physical Term Life Insurance is offered to applicants between age 18
and age 65, that is if you qualify.
You will be required to give the carrier answers to medical questions.
You may jump at the idea simply because you
have no time to go and have a thorough medical done and you are aware
that you need additional life insurance.
Let us examine how you qualify, let us look at the buying process for life insurance with no medical exam required.
The life insurance companies that offer coverage in this way are very thorough.
There is nothing more important than your family's security. What would
happen to your family if you died? Would they be provided for? Apply For
Term Life Insurance - Quick Approval, if you qualify.
Get No Physical Term Life Insurance
- How To Qualify
Every life insurance company sets standards that must be met
in order to qualify for a life insurance policy whether it is a no
physical life insurance policy or a policy for which you need a medical.
In recent years life insurance companies have extended the requirements
which would qualify the applicant for a life insurance policy.
All that is required is that you answer a few questions about
your medical history, your occupation and any avocation in which you may
It may seem that the life insurance company is issuing a
policy based on your word. This is true for the people who answer the
There are those who may think that they can
exclude pertinent medical information and have a policy issued. This is
not likely to happen.
The life insurance company investigates each case. Usually they can get all the information they need from the Medical Information Bureau,
fondly referred to as the M.I.B.
This organization gathers information on
people, with their permission, which is used in the future to help
insurance companies decide on the types of risk that they should take
The M.I.B is used whether you apply for a no physical term life
insurance policy or one that is large enough to require a physical.
The key, therefore, to qualifying for a no physical term life
insurance policy is the truthfulness of the applicant. There are some
cases that may be borderline but the underwriters will lean in your
favor if you are truthful.
If you attempt to pull the wool over their
eyes they will decline the policy without hesitation. Also, keep in mind
that every policy has a
This is usually about 2 years. If, within the 2 year period, the life
insurance company discovers something that would cause them to have
declined the policy initially they may withdraw it.
- Types Of Policies And Amounts Issued
If you are between age 20 and age 60 and in fairly good health
you are likely to qualify for a no physical term life insurance policy.
The companies that do this type of business will issue up to $400,000
of life insurance.
Some companies go as high as $1,000,000 for younger
applicants, some limit the coverage to $350,000. The types of policies
issued are usually the 10 year term, the 15 year term, the 20 year term
and the 30 year term life insurance policies.
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