The enthusiasm applicants show over term life insurance no medical, or no physical exam, never fails to please and amaze me. I wonder why this is so important to people?
They want to protect their families. It could be that they want life insurance but are simply too busy to take the time necessary to have a medical done in order to get an application approved.
Well, now these people don't need to concern themselves about the long and tedious process of buying life insurance anymore, that is if the policy they desire is not too large. Maybe you are such a person.
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Buying life insurance is getting easier as time passes. The advancements in technology allows for the gathering of information in a very rapid manner, sometime life insurance companies learn what they need to evaluate a risk in minutes.
People are healthier than they were in the past, they know what to do to live longer. Medical science is at such a level that hereditary can be uncovered more quickly and in many a case be cured.
If you are between age 18 and age 65 you can now get up to $1,000,000 life insurance without having to do a medical exam. You will not need to visit a doctor, nurse or paramedic.
All that is required is that you answer a few simple questions about your health online to get an approval. Some carriers limit the maximum amount to $500,000, others go as high as $1,000,000.
Some companies offer non medical coverage up to age 50, others go to age 60 or 65. No exam is required, just answers to a few health questions. If you qualify your policy can be issued within 48 hours. You usually need to be in pretty good health to get the larger amounts.
You will get approved in about 15 minutes in some cases if you qualify. Otherwise it may take just a few days.This policy is renewable up until age 95 without you having to qualify over again. You can print your policy online in some cases.
The policies offered are the more popular term policies, the ten year term, the fifteen year term, the twenty year term and the thirty year term life insurance policies ...no physical exam needed.These premiums are quite low.
Think how your family will survive if you should suddenly die. Buy low cost term insurance.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.
Deciding which life insurance types to look at depends on each individuals specific need. All life insurance does not fit everyone's situation.