More About BenefitHouse No Medical Exam Life Insurance
January 25, 2011 by admin
Filed under No Medical Exam Life Insurance
More About BenefitHouse No Medical Exam Life Insurance
More About BenefitHouse No Medical Exam Life Insurance
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Home Page > Finance > Insurance > More About BenefitHouse No Medical Exam Life Insurance
More About BenefitHouse No Medical Exam Life Insurance
Posted: Dec 01, 2010 |Comments: 0
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Those who do not want to go through a medical examination, but want to financially protect their family can choose a BenefitHouse life insurance policy with no medical examination. Life is always uncertain and you definitely do not want your family to face unexpected financial burden in the event of your untimely demise. Having a good life insurance no medical exam policy can protect your family from financial hardship. Hence, it is important to learn more about such policies.
There are two types of policies from which one can choose – term life insurance and permanent life insurance. The term life insurance policy from BenefitHouse provides coverage for a specific term. The duration can range from 5 years to 30 years.
The whole life insurance policy, as the name suggests, does not have an expiration date. It will last for your lifetime as long as you keep paying the premiums.
Providing Security
Whether you choose term life insurance or whole life insurance from BenefitHouse, you will gain a sense of security. Having auto insurance ensures that you are covered in the event of an driving accident. Similarly, having a no medical exam life insurance policy ensures that your family will not suffer due to loss of your income.
Nowadays, getting life insurance has been made easy with policies that require no medical examination. A life insurance no medical exam policy is great for those who are young, or those who do not have any serious health issues.
No Medical Exam-A Better Option
An insurance policy with no medical examination usually costs more than the one that requires examination; however, this does not mean that you should always take a medical exam insurance policy. There are several reasons for this:
* You are in a hurry to obtain life insurance protection because you have a need right now and don’t wish to wait for the typical 30 to 60 day approval time for plans that require an exam.
* You don’t have the time to have an exam.
* You simply do not like to have a physical exam or you hate to be poked by a needle.
Basically, a medical exam life insurance policy does not guarantee a low insurance policy. Therefore, it is better to take a no exam life insurance policy that provides similar coverage.
However, this does not mean that you should provide false information while applying for a BenefitHouse life insurance policy. The policy will be cancelled, if it is found that the applicant has provided false or incomplete information.
Easy Online Application
It is easy to apply for a no medical exam life insurance policy. You can run an online quote and select the plan that fits your needs. Answer a few questions…it takes no more than 8 minutes. If you are approved, you can pay with your credit card or with an automatic bank withdrawal. In fact, if you are approved, one carrier even allows you to print a copy of your policy immediately online.
Please verify that the policy for which you are applying does fit your needs and your goals. If you do not understand certain points, you can always speak with an experienced professional independent agent. The agent will make sure that you completely understand the terms and conditions of the policy.
Once you have found the life insurance policy from BenefitHouse that provides the coverage that you need and at a good rate, you can sign on the dotted line and have your family’s future secured.
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Wilhelmina Thomas -
About the Author:
Steve Jarvis is licensed in 28 states and works with licensed agents in all 50 states. His insurance services company BenefitHouse has partnered with Alto Web Solutions in writing this article.
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I work on the cruise ship and becouse offhard work and trying to stay fit i took steroids.In few days i need to do normal medical exams plus drug tests but no steroid exam.Is It gonna show on the test
What other type of insurance i can sell with my life insurance license?
I have a policy already through liberty life insurance how do i look it up on the internet
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Steve Jarvis is licensed in 28 states and works with licensed agents in all 50 states. His insurance services company BenefitHouse has partnered with Alto Web Solutions in writing this article.
More Medical Exam Life Insurance Policies Articles
Learn About Different No Exam Online Life Insurance Quotes
September 12, 2010 by admin
Filed under No Medical Exam Life Insurance
No Exam Online Life Insurance Quotes
When you start looking for no exam online life insurance quotes you will see that there are different types of policies you can purchase without needing to have a medical examination, blood tests or urine tests.
If you are in good health it will be well worth your while though to have the medical exam because the costs would be significantly lower. However, obtaining no exam online life insurance quotes does not require a medical exam is hassle free and conveniently available online.
More on No Exam Online Life Insurance Quotes
The process of requesting no exam online life insurance quotes is quick and easy. Once you log onto a website offering such insurance policies, you only have to answer a few health related questions. You will first have to enter your zip code to ensure that the provider is licensed to sell life insurance products in your state.
The health questions are related to your age, gender, weight, and height. Your answers will help to determine the price of the no exam online life insurance quotes you receive. You will also have to tell whether or not you smoke or have smoked within the last year.
The benefit of requesting free no exam online life insurance quotes is that you don’t have to wait days to receive an answer. You will receive your no exam online life insurance quotes instantly before your eyes and in some cases you will get an email of what the cost of the premiums will be.
You should become familiar with the types of policies you can look for in no exam online life insurance quotes. Term life policies are for specific terms ranging from 10 to 30 years and the premium you are quoted is guaranteed for that length of time should you decide to purchase the policy. Your no exam online life insurance quotes will probably reveal the company to chose
No Exam Online Life Insurance Quotes
When getting no exam online life insurance quotes, the amount of coverage you can choose ranges from 0 to $500,000. The price you pay does depend on your age at the time you apply. The younger you are, the cheaper the policy will be.
One of the things to which you must pay particular notice is the age at which the company will no longer insure you under no exam online life insurance quotes. Some insurers have age 60 as the limit, while others go to age 80. You can have flexible payment options if you are not able to make annual payments.
It only takes seconds to get your no exam online life insurance quotes and minutes to complete the application process. When applying online an electronic signature is sufficient, but if you prefer to complete the process by phone when you approve of the quote you receive, you can do so in this manner as well.
Although term life insurance policies are the most common ones offered in no exam online life insurance quotes, you can also purchase whole life insurance without a medical exam. With such a policy you have lifetime coverage up to age 85 for a coverage amount of ,000.
Within this category, you can also choose a standard policy, or a preferred or graded policy, each of which carries a different cost. In a graded policy your beneficiary will only receive a portion of the coverage if you should die within the early years of the policy.
The amount of coverage should be the deciding point in the no exam online life insurance quotes you receive. Most of the policies that are valid past age 60 or 65 do not have a lot of coverage, but they will be sufficient to pay your funeral expenses so that your family will not have to bear this burden.
Sarah Martin is a freelance marketing writer based out of San Diego, CA. She specializes in finance, business, term life insurance, and homeowner insurance. For free no exam online life insurance quotes, please visit http://www.equote.com/.
www.equote.com With Equote instant issue, no exam online life insurance quotes are just the beginning of the benefits of working with equote. Visit us online or give us a call to learn more.
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About Requesting a No Medical Exam Life Insurance Quote
August 18, 2010 by admin
Filed under No Medical Exam Life Insurance
About Requesting a No Medical Exam Life Insurance Quote
If you are wondering what it will cost you to obtain a life insurance policy without having to schedule a medical examination, you can get the information you need by requesting a no medical exam life insurance quote online.
You can simply do a search online of the insurance providers that sell such policies. Visit each of the sites to check out the rates each one charges and the amounts of coverage that the policies contain. All life insurance quotes are free, so you can request as many or as few as you wish and compare the results to choose the policy that best suits your needs.
The factors that determine the price of the no medical exam life insurance quote (http://www.equote.com/li/nomedicallifeinsurance.html) you receive are your age, your gender, your weight and height and whether or not you use tobacco products. This also applies to having used tobacco products within the last 12 months.
There will be spaces on the website page for you to enter the answers to these questions. The older you are, the more costly the policy will be. Gender plays a role in determining the price of the policy because females have a longer life expectancy than males.
The insurance company asks about your height and weight to determine if you are overweight and as such at risk of passing away during the term of the policy. This also applies to the use of tobacco products, which is linked to terminal illnesses.
Without a medical exam, you are a greater risk to the life insurance company (http://www.equote.com/li/term-life-insurance-quote.html) and it uses the answers you provide to these questions to determine the no medical exam life insurance quote it will give you. You don’t have to accept any quote that you receive because none of them are binding. They are just services that insurance providers offer in order to draw you in as potential customers.
The amount of coverage that you want to have in the no medical exam life insurance quote is also a factor that affects the overall cost. The more coverage you want, the higher the premiums will be. Usually life insurance is sold in blocks of ,000 or ,000, so of course the more blocks you buy, the more you pay.
The length of the term is of particular importance when you don’t need to have a medical exam. The premiums remain the same for the life of the term, so if you choose a 30-year term you know that your premiums will never rise during this period. A longer term also has a lower rate in addition to giving you peace of mind knowing you are protected for the term.
While the actual cost of a no medical exam life insurance quote may appeal to you, the possibility does still exist that you could be turned down for such a policy. It is not intended for individuals who already have life-threatening illnesses, such as cancer, diabetes, HIV, and other medical conditions.
Some states do have restrictions on the types of medical conditions one can have in order to purchase life insurance without a medical exam and the regulations concerning this also vary among insurance companies. For the most part, individuals who do purchase such life insurance policies that do not require a medical exam only want enough coverage for their funeral expenses or to leave their beneficiaries a little something.
Sarah Martin is a freelance marketing writer based out of San Diego, CA. She specializes in finance, business, and no medical exam life insurance. For a free quote, please visit http://www.equote.com/.
Find More No Medical Exam Life Insurance Quotes Articles
Worried About The Medical Tests? Grab The Life Insurance No Exam Policies
August 16, 2010 by admin
Filed under Uncategorized
Worried About The Medical Tests? Grab The Life Insurance No Exam Policies
Most people who wish to get the life insurance are not aware of the life insurance no exam policy. This policy is somewhat very new in the market and has taken the market like a storm. When people understand the benefits of the life insurance no exam policy, they surely give it a thought. The main concept of this policy is to charge a higher premium for the people who don’t want to take the medical tests. Often it is seen that people who are rejected for other regular life insurance polices take up the life insurance no exam policy.
Even though these policies are available at a higher cost, there are people who want to go for it. I can bring forth an example to explain well, suppose there is a man in his 30s, but he has been diagnosed with diabetes mellitus. In all the possible case if this man would have applied to any other company for a life insurance then his form would have been rejected, he would be disqualified….. So what is to be done now?
He would try and look out at other life insurance companies and still find the same result. The life insurance no exam is designed for such people, who are not eligible for the regular life insurance policy. You may ponder that how the life insurance company is going to make money then? The answer is very simple, the life insurance premium for the life insurance no exam policy is substantially greater than the other regular life insurance policies.
The life insurance no exam policies are often term life insurance policies and the tenure is not for a very long period. When you are searching for cheap term life insurance quotes, you may come across few quotes that will give you the information about the life insurance no exam policy. However, when searching for the cheap term life insurance quotes, if you come across the life insurance no exam policy quotes, you will see that the rate of premium is very high for the latter.
Searching for the cheap term life insurance quotes is very easy and simple these days. The Internet is flooded with thousands of websites that are offering free cheap term life insurance quotes. You need to be very alert when you are searching for the cheap term life insurance quotes. There are some good deals on the internet and you need to keep your eyes wide open for these offers and deals.
Generally there are discounts that are offered when you are searching for the cheap term life insurance quotes. Do not take them on the face value, it is very important to compare and check the discounts. Comparing the quotes will help you to select the one that suits your requirement and your budget the best. Also do not forget to call for a second opinion before purchasing the policy.
No matter what the reason is, but if you are not very comfortable with the Internet it’s perfectly fine, it does not mean that you cannot arrange for the quotes, you can either get them by personally visiting each life insurance company or by meeting an independent life insurance broker. It is always good to make a list of all the companies that are close to your place if you are planning to visit the life insurance companies yourself.
In such cases yellow pages would be of great help, you can check out for the addresses of all the life insurance companies and there the companies will be categorized. Go to that page and then note down the following:
o Name of the life insurance company
o Address of the life insurance company
o Contact numbers of the life insurance company
o Email address of the life insurance company
o Timings of the life insurance company
o Landmarks if any
After you make a comprehensive list of all the life insurance companies, try and visit the life insurance companies one by one. Try and cover the life insurance companies that are closer to your house first. You may at times have to visit the life insurance companies on the weekends as well so see to it that you make a proper schedule. Also, you will have to make a note of all the main points discussed in the meetings with the life insurance companies.
To get the most competitive term life insurance rates, check out David Livingston’s site. He specializes in the different cheap life insurance and getting cheap life insurance rates. Visit his site for more information.
