Instant Life Insurance Policy
Instant Life Insurance Buying Process
Yes you can get instant life insurance policy online.
I see it as a sign
of progress that the life insurance industry has got to the stage where
they actually give the consumer the opportunity of actually buying
their policies online.
The instant life insurance policy buying online is
here to stay.
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Instant Life Insurance Policy Online
There are a few of the better life insurance companies
offering this option to their clients. There are some that are not too
competitive doing this as well. The buying public is pretty smart and
they don't have much of a problem deciphering which is a good policy and which is just average.
Let us take a look at how you would get an instant life insurance policy online.
- Your Age
The purchaser of such a policy usually needs to fall within
certain age brackets. One carrier for example insists that you must be
between age 18 and age 65.
Although medical science have come a long way
and people are taking better care of themselves age 65 is the limit
unless you indicate on the application there is some prior or present
ailment that would prevent you from qualifying. In these cases you would
be required to do a medical examination.
- How The Life Insurance Carriers Do It - The Process
You go to the site and you get your quotes
to see if the rates are pleasing to you. They usually are. Once you
decide on the amount of life insurance you want to buy you then proceed
to complete the application form.
You need to tell the company about
your health and your occupation. They are interested in past and present
medical conditions. They are also interested in family history. They
want to know if there is any medical condition that you are likely to
If you have an ailment that could kill you they would need to
know how you are treating this condition. If there is any red light they
may request a report from your personal physician.
In many cases the medical information bureau already has the
required information. The life insurance company will get what they need
from the bureau.
Your occupation or avocation is very important. A deep sea diver
or a recreational pilot without a required number of hours flying solo
would be classified differently from an individual whose only exposure
to a hazard is probably driving a car to and from his or her place of
- The Policy
Now here is the awesome part. You can,in some cases, actually
print out the policy online. This gives you the opportunity to read it
over and make certain that it is what you want. If there are any
questions you can call an agent who will help you clear up any
misunderstandings or doubts.
The entire process takes approximately 15 minutes.
As they see the tremendous success the companies that offer an instant life insurance policy online
are enjoying many of the larger and very solid life insurance companies
are jumping on the bandwagon. Everything on the internet moves very
quickly. Look for more companies in the very near future.
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