We all want to give our loved ones the protection they deserve with a quality guaranteed acceptance life insurance policy. Fortunately, dependable and affordable coverage is available without having to go to the doctor’s office or having to experience long waiting periods for benefits to start. You can get online term life insurance no medical required. It all starts by getting a life insurance quick quote through our View Your Quotes button above. No exam coverage provides the benefits of quality life insurance without a waiting period today.
A Life Insurance Quick Quote Is Simple
In the past to secure reliable term life insurance an intrusive medical exam was required. Being subjected to a variety of tests and a long wait was all part of the process. As more and more people are not willing to go through this ordeal, insurance companies offer whole life insurance with no exam required, making it speedy and convenient to get the coverage you need. In most situations, the quick quote process involves answering a few straightforward and basic health questions online or over the phone. Making it possible to see what plans are available and compare options all from home. No doctor’s office, no tests and no wasting time waiting around for coverage.
With a Life Insurance Quick Quote, You have Your Choice of the Top Life Insurance Companies
Why spend time with a plan that provides limited benefits when you can be enjoying coverage that starts whole immediately? When no waiting period is an option, you have peace of mind and the confidence that your family is protected from the start, not later. It’s a smart strategy knowing if something were to happen, your loved ones have complete coverage.
Buying life insurance has its challenges. With graded benefits, medical exam conditions and a variety of other considerations, picking the right coverage at an affordable price proves to be complicated. Take time to learn about what’s available and you’ll find reliable life insurance with no waiting period. Compare a variety of policies from top providers with no invasive medical testing and reasonable pricing. Make an educated decision about the right whole, term or universal life insurance policy and get full protection instantly.
Online Term Life Insurance No Medical Exam Required
It’s important to know buying term life insurance with no medical exam will have limits on the death benefit available on the policy. Numerous companies put a $100,000 or $250,000 cap on life insurance policies issued no medical exam. Choosing shorter terms for your life insurance policy will help you get coverage. It also often times eliminates the need for taking an exam. Insurance companies don’t worry much about your risk of getting lung cancer when you are 55 if your policy expires at age 45.
Choosing the Right Company Is Vital
Buying term life insurance with no medical exam is an excellent idea, as long as you choose the right company. Various insurance companies will offer life insurance policies with no medical exam with a completed medical history form.
If you have a family history of heart disease, but you’ve done cardio exercises every day for ten years, a quick medical history will raise red flags. However, a healthy medical exam report might show great health. Likewise, many people who seek life insurance policies without a medical exam know they’re in poor health. Insurance companies see this as a growing trend and some have chosen to raise their rates. Choosing no medical exam as a healthy adult, you could be costing yourself with higher premium rates. An independent life insurance advisor can help you make the right choice for you and your family.
The Application Process Is More Simple
A handful of insurance companies truly take the hassle out of buying term life insurance by allowing you to skip the medical exam and asking no health questions. Other companies dispatch with a formal medical history but still ask a few basic questions, such as any pre-existing major illnesses and relatives with a history of cancer or heart disease.
Discuss the benefits and drawbacks of online term life insurance no medical exam required with us today. A licensed life insurance professional can help guide you through the life insurance application process.