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
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.
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Death proceeds from 10 year life insurance can be in lump sum form or incomr form
The 5 year term life insurance policy has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy.
The 20 year term insurance policy is one of the most sought after life insurance policies.
Take a look at 20 pay life insurance. Most people know that you buy whole life insurance if you want to be covered for the rest of your life even if you live to age 100.