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
Buying life insurance while taking Chantix. Chantix's affect on an application: Moderate. Best possible rate outcome: Standard Plus. Main determining factors: Knowing which carriers currently offer best rates for life insurance while taking Chantix. Main consideration: How long since you last smoked cigarettes. You can…Read More...
Tips on how to secure the best life insurance rates when you may be considered overweight. About TermLife2Go We at TermLife2Go realize that in today’s world, people are busier than they have ever been before. Today’s dollar needs to stretch farther than it ever needed to in…Read More...