Life Insurance made easy!
No Medical ExamAt TermLife2Go we understand that you have a busy schedule and that fitting in a medical exam to qualify for life insurance simply does not work. Our group of independent agents will run the quotes for you and let you know what you will pay for both non medical exam and fully underwritten life insurance. Many times the cost between the two policies will be small and a non medical exam policy does not require a blood draw. High cholesterol and blood pressure are the most common reasons a policy comes back with a higher premium. If you are concerned about your blood work then paying a few additional dollars might very well save you money once your lab results come back. And a non medical exam policy approval is fast with some approvals in 15 minutes. Read more on this subject: Exam vs. No Exam
Fully UnderwrittenA fully underwritten life insurance policy requires a medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed and the life insurance carrier offers you a policy based on your results. In some cases, a physician’s statement may be collected if the carrier feels more information is needed. For healthy individuals the typical time it takes for the life insurance carrier to make an offer can be as fast as 48 hours. However, the normal time for a healthy individual is 2-4 weeks. For someone not as healthy it can take 4-6 weeks or longer. The one advantage with a fully underwritten policy is that for those who are healthy the savings can be substantial. Read more on this subject: Exam vs. No Exam
April 10, 2014
AKA: Can I buy life insurance on my boyfriend or girlfriend? Typically, when we’re asked the question “can I get life insurance for my significant other?” it’s usually because the person calling in is worried about what would happen if the their partner passed away…Read More...
April 3, 2014
Can I Buy Life Insurance for my Brother? Typically, when we’re asked the question “can I get life insurance for my brother?” it’s usually because the person calling in is worried about what would happen if the their brother passed away without life insurance. For…Read More...
April 1, 2014
Life Insurance for Grandparents You may also want to read our article, Life insurance with pre-existing conditions, or How to Buy Life Insurance While on Disability. What Type of Life Insurance Should Grandparents Get? Getting life insurance as a grandparent isn’t like it used to be. Back…Read More...
March 27, 2014
Ten Ways to Save money each month so you can buy that Life Insurance you keep talking about. It's truly amazing just how much money the average American household wastes each and every month. What makes this waste all the more tragic is that it…Read More...