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How to qualify for life insurance while on disability

Most insurance companies will flat out refuse any applicant on disability from getting a traditional term or whole life insurance policy. However, just because most insurance companies refuse, does not mean that all life insurance companies will.Learn More

Top 10 Reasons for Being Declined

Every Life Insurance application will have one of 3 outcomes: you will be approved, postponed, or declined. No one wants to be declined. Find out the top 10 reasons for being declined for life insurance. Learn More

Life insurance approval with pre-existing conditions

Have you been declined for life insurance or postponed for life insurance due to a pre-existing condition? Have you been given a rate class that seems over the top due to a pre-existing condition? We can help.Learn More

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No Medical Exam vs. Fully Underwritten Life Insurance

No Medical Exam

At 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 Underwritten

A 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

Genetic Testing Ruined My Life Insurance Application!

Genetic Testing Could Ruin Your Chances to Qualify for Life Insurance. Before we dive right into the whole topic of genetic testing and life insurance it’s important to realize one thing—insurance companies are generally very good at what they do. After all, just think about…

Mortgage Life Insurance versus Term Life Insurance

Mortgage Life Insurance versus Term Life Insurance Are you looking for the cheapest life insurance mortgage protection? If so, please keep reading. Every few days we speak to a client who asks, “Do you sell mortgage protection life insurance?” Our reply is something to the…

Why Do Life Insurance Companies Require a Blood Sample?

Why Do Life Insurance Companies Require Blood Samples? Why Do Life Insurance Companies Require a Blood Sample?  The answer to this question is because blood samples provide insurance companies with an enormous amount of information regarding your health. This information is then used by the…

Can I Buy Life Insurance for my Father?

Can I Buy Life Insurance for my Dad? Typically, when we’re asked the question “can I get life insurance for my father?” or “I want to get life insurance for my dad” it’s usually because the person calling in is worried about what would happen…

A few of the over 60 carriers we represent:

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