Life insurance no physical. There is no need to do a physical exam for smaller amounts of life insurance anymore, that is, if you can qualify.
It used to be that only younger people had the privilege of getting a life insurance policy without having to do a medical exam. The life insurance companies know that younger people are unlikely to die within specific periods of time.
They therefore issued non medical life insurance for pretty large amounts of life insurance to them. Medical science has rapidly advanced in recent years and as a result many diseases that were considered terminal are now treatable. People are enjoying productive lives much longer than they used to.
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In addition information is easily put into the grasp of the underwriters today. It used to take weeks to get reports on an applicants medical history. Today information can be faxed to the life insurance companies in seconds.
In addition the Medical Information Bureau stores information on people who had applied for a policy in the past. This info is easily accessed by insurance carriers.
As a result of these advancements more and more companies are issuing larger amounts of no medical life insurance. One of the most outstanding carriers issues up to $1,000,000 life insurance with no physical required between ages 18 and age 60, others offer up to $500,000 coverage without a physical up to age 50 or 60.
All you need to do is to complete a short questionnaire a providing information about you present state of health as well as relevant medical history.
You can buy 10 year term life insurance, 15 year term life insurance, 20 year term life insurance and 30 year term life insurance in this way. These policies are renewable up until age 95 without any evidence of insure-ability.
This means that if you bought a 10 year term policy, for example, and you wish to renew it at the end of the 10 year period you may do so without having to qualify all over again.
Isn't this a great way to buy life insurance?
Buy quality term life insurance - no physical exam required... more...
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.