Term life insurance with no medical, physical, questions, health test or
Because of the ease and convenience of the thing people are choosing to buy their life insurance without having to do any medical exam or test.
They just need to answer a few health questions online. Every answer is verified by the carrier. The Medical Information Bureau helps as well as a Pharmacy report.
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Let me give you a little history on non medical life insurance. Life insurance companies have always sold policies to younger people without the necessary physical exam. They did this because it suited them. They have always known that it is very unlikely for a young person to die too soon.
The actuaries know precisely how many people of a given age are going to die each year. If, for example, a 28 year old male buys a $250,000 10 year term policy they know that he is unlikely to die within that 10 year period unless he has an automobile accident or something very unusual.
That applicant, as a result, just needs to answer a few health questions to get his policy. The same goes for a woman of the same age. The only difference is that the woman will likely live longer than the man.
In recent years the life insurance companies have extended the offer to people up until age 65. They offer up to $1,000,000 term life insurance online with you only needing to complete the medical questionnaire to qualify. If you do you can get approved in about 15 minutes. You can even print out your policy online.
The policies offered are:
You can click on the links to get details on how these policies work. They are renewable up until age 95 without you having to qualify all over again.
So you will need to answer a few questions but there is no need for an exam. Just be truthful with your answers and you will have no problems. Term life insurance with no physical or medical exam is a reality whose time has come.
People are living much longer today. Advances in medical science have made it possible to treat ailments that just a few years ago were considered terminal.
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No Medical Exam Life Insurance. What is going on here? Is this new? The way people act one would think that this is an entirely new idea.
Consider online life insurance. Buying life insurance online can be quite a simple process especially if you know how much you want and what type.
There are many pages on this website on term insurance details and how it works. What I want to do on this page is give you a basic and general outline of this policy.
You may find it a valuable experience as well as enlightening if you took some time to get a term life insurance quote on your favorite term policy.
Key employee life insurance is really a necessity.