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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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.