I Need Term Life Insurance Without Medical Exam For 30 Yrs. And $250.000?
Posted November 11, 2009 – 4:47 pm in: term life insurancejust fill in a free form and get a quote from these people here http://gsx1.com/InsuranceComparison.html they’ll provide results from a number of different USA insurers
hope it helps
6 Comments
If you need term life insurance without a medical exam for 30 years and $250,000 of coverage there is an option for you online.
First, you should know that you may need to pay more for no exam life insurance than you would if it were fully underwritten by a life insurance company.
Also, you want to consider the financial strength rating of the life insurance company.
And, if you choose an annual premium instead of monthly, you may save some money on your premiums.
Also, most life insurance policies come with a Free Look Period, so if you aren’t satisfied with your policy you can return it during the free look period for a refund.
There is an option from a life insurance company rated “A+” Superior by A.M. Best for financial strength. They offer you up to $250,000 of term life insurance with no medical exam. There is a 30 day Free Look Period. To learn more about this option you can visit http://www.term-life-online.com/term-lif…
I hope that helps! Best of luck to you.
If you do find a company that doesn’t require a medical exam, I would carefully read the life insurance policy. There are provisions in there that you need to know in order for this death claim to pay out in case you die. Base on my experience and what I seen, most life insurance companies that doesn’t do a medical exam rarely pay out death claims to families and they can get away from it because the client accepted the life insurance. So, it is very important that you read the life insurance policy.
how soon and what state are you in..!
Why do you need it without a medical exam?
Are you already terminally ill? If so, then unfortunately you are probably not eligible. The purpose of insurance is as protection. It is purchased before an event, not after it.
I’m going out on a limb here and assuming you’ve just found out some bad news, and if that’s the case, then I’m very sorry to hear that. However, even if you do manage to “scam” your way into insurance, the company can still deny a claim to your heirs in the event that you die. There is a two year contestability period in most states, during which time the company can revoke insurance based on new information they have found about fraud you may have committed. And rest assured, trying to get insurance after you’ve found out that you have an illness IS insurance fraud.
Moreover, even if you DO find a company that will insure for that amount without a medical exam (doubtful), they will still request medical records.
Best of luck, but there’s really nothing to tell you here — I’ve never heard of a company that underwrites insurance for that amount without an exam of some type.
http://www.zanderins.com
At 30 years old it will only cost you pennies a day.
There are plenty of simplified issue programs out there that offer a mildly higher price for the convenience of no exam. Check out Mutual of Omaha, Shenandoah, Fidelity Life Association, Old Mutual, and others. These companies will only issue the coverage if you would normally qualify for standard rates and you do not have a condition that would require medical records to verify it is well controlled (ie. diabetes, cancer, heart conditions, etc).
If you need life insurance with no exam because of a health condition, you are better working with an experienced insurance broker. Very often, we can find offers that other companies weren’t willing to give. If you’d like a referral, tell me your state.
Finally, there is guarantee issue policies which may not even be available depending on your state. This will be the most expensive option and the death benefit will usually be graded over a period of time.