Life insurance? 10pts?
I am looking for a quick no medical exam required term life insurance, where do I find that at, at a resonable price?
If you can answer "no" to five health questions, you can purchase up to 150,000 of term life insurance with United Home Life with no medical exam required and no restrictions. You can even purchase this on the phone or through the mail with one of their independent agents. A recorded phone interview is required on all applications that are not taken in person.
Carmichael’s’ newspapers
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Hard to find without a medical exam – if you’re very young, a few will let you get by with just a questionnaire. Beware of on-line "instant quotes." They’re usually "provisional" quotes subject to final underwriting approval.
References :
http://www.intelliquote.com/
http://www.efinancial.com/BestValue/TermLifeInsurance/Term-Life-Insurance-no-physical-exam.shtml
http://www.budgetlife.com/life_insurance/no_exam.htm
http://www.answerfinancial.com/insurance-quote/life-insurance/life-insurance-no-medical-exam.htm
http://www.sgmltools.com/?search=yes&ss=Term+Life+Insurance+No+Physical+Exam
http://www.benefithouse.com/life-insurance-no-medical-exam.html
http://www.local.co.uk/Northern_Ireland/Life_Insurance
hope some of these help!
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What is your definition of a medical exam?
I believe all require HIV testing. Depending on the amount of coverage they would require blood, urine, and vitals. If you get a very LARGE amount of coverage, they would require a full blown physical.
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Pricing will depend on your age. You CAN find no med exam policies, guaranteed issue type policies, with low payouts – BUT, you have to answer the questions honestly, and if you lie (and they will investigate if you try to claim) they deny the claim. Also, you usually have to live a certain period before you can collect (if you’re an older person).
Odds are ALWAYS in favor of the insurance company.
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agent, 21+ years
If you can answer "no" to five health questions, you can purchase up to 150,000 of term life insurance with United Home Life with no medical exam required and no restrictions. You can even purchase this on the phone or through the mail with one of their independent agents. A recorded phone interview is required on all applications that are not taken in person.
References :
independent agent