Tag Archives: life insurance no exam

Life Insurance No Exam: Providing Outstanding Services To Everyone

Not all are given the chance to own a life insurance because of some necessary requirements that were not met.  This has been the problem of many life insurance companies before.  Their market is only limited to those people who can pass the requirements.  This made them to look for other ways to accommodate those individuals who did not qualify.  They have developed the life insurance no exam to get the market of everyone

The people who are not able to get the life insurance of this type enables then to acquire. A life insurance no exam is a general type which is not restricted to a particular group of people and so, every person can apply for this. An applicant who is anxious for insurance can apply for this type provided he has means to pay the premium for a certain period. Every insurer must compulsorily follow the rules, failing which made to face certain problems

Policy holders who pay the premium lately, needs to pay penal charges. Penal charges are basically computed based on the type of life insurance policy chosen. If the policy holder stopped paying his monthly charges, then his life insurance coverage will cease to exist. To seek the benefits of the life insurance coverage, the policy holder should submit a reinstatement application. But at this point of time, he will be forced to pay additional reinstatement charges. On the other hand, the policy holder continues to ignore the policy, the company will forfeit his life insurance

Getting a life insurance no exam has some obligations. If it is a known fact that he has no means to pay the premium, he cannot apply for the policy. All insurers are advised to observe the rules of the company. Because of uncertain happening the beneficiary gets the benefit out of the policy. Also if the insurer dies within the term of the policy, the beneficiary can claim the amount

The obtained cash may be enough to support the surviving family even for a certain period.  It can be used to start a new life with the nonexistence of the main source provider.  It may be used to pay for the monthly expenditures of the family which the insurer used to provide.  It can also be used to pay for the kid’s school tuition fees.  Some of it might accommodate the payments of their home mortgage

The claim will only happen if the insurer discontinues finishing the term due to an unavoidable event.  If for some good reasons the insurer survives and finishes the term, the beneficiary will no longer claim any cash benefit.  The company gives the insurer an opportunity to renew his life insurance without taking any medical examination

New life insurance which is offered contains better features when compared to the previous one and it also commands a higher premium rate. It is left to the discretion of the policy holder to accept or reject the offer provided by the life insurance company

Listed below, are some of the points on how to get a life insurance no exam policy: –

1.       Any person is free to apply for this policy

2.       People who failed in the medical exam

3.       People who are bound to work in dangerous jobs are qualified

4.       Drivers who cannot secure good driving record, even though they are driving for a longer period

5.       A smoker who cannot give up smoking

Your close friends or colleagues who have obtained a life insurance, may advise you to seek life insurance quotes. The quotes primarily will help one to decide whether the rates will fit in one’s monthly budget. It can help you to confirm whether you will be able to pay the premium amount on a monthly basis. Thus it is suggested that one should seek as many quotes as possible for a better selection. Search various websites which provide life insurance quotes for free of cost. Searching on the internet is the most convenient way of dealing with this situation. Thus don’t waste any more time, obtain a life insurance no exam and secure your and family’s future immediately





Article by David Livingston of www.equote.com – a site that has the widest selections of instant term life insurance quotes in the country.

Life Insurance No Exam: The Quickest Way To Get A Life Insurance Approval

Perhaps getting a life insurance approval is one major predicament of a working person.  Not everybody is granted with a life insurance at their desired price.  There is already a solution to this problem.  Many life insurance companies have developed, even years before, a life insurance that will accommodate people who have certain health concerns.  This is the life insurance no exam.  Mostly, these people did not qualify for the life insurance that they prefer, like the term life.  It is a bit unfair for these people to be deprived of a very useful and important service

All people desiring to get a life insurance policy must necessarily to undergo certain formalities. That is an applicant getting a physical fitness certificate. The insurance company has a principle to verify the physical fitness certificate to ascertain if the applicant can be insurable. If the applicant passes a medical requirement situation, he can continue to apply for a selected policy. The company would also check the applicant’s monthly income to find out his capacity of payment of premiums till the end of the term of the policy

If the life insurance applicant fails the medical examination, then the insurance will offer life insurance no exam policy to such individuals. To ensure that the people are not deprived of life insurance coverage, life insurance companies have evolved these kinds of insurance as a solution to the above category of people. Though it is, Life Insurance Company demands responsibility from the life insurance applicant to ensure that they pay the high premium rates until the whole period. If the applicant does not have a good financial background to accommodate this policy, then he should looking for other ways of income to buy this policy

Applicants trying for life insurance no exam who are eligible are as follows: –

1. Applicants not qualified for term life insurance
2. Applicants exposed to dangerous jobs such that they are always exposed to insecurity
3. Chain smokers who cannot discontinue smoking
4. Applicants not desired undergo medical test
5. Drivers not possessing a good record of driving

It is normal for any individual to look for products, items and services at lower costs.  They have to check everything to fit their monthly budget.  Life insurances differ in types and rates.  An applicant has to consider the rates before applying for one.  He must look for cheap life insurance rates to be able to choose the right one

A very good way to look for life insurance rates is through the use of the internet.  It is probably the fastest and the most comfortable method of searching for any life insurance concerns.  Another good means of getting information about life insurances is by visiting any office near the area.  A very smart and courteous life insurance representative will greet you once you get inside

At the life insurance company office, one will be able to obtain every other piece of information needed for one self to start applying for life insurance coverage. It is thus suggested that potential insurers should carry some of the important documents which may be required by the life insurance company. It is upon verification of these documents, Life Insurance Company will be able to provide a preferred life insurance policy that you may ask for. Thus carrying these documents is very vital in nature

At the outset, itself you can gather information about insurance through your friends and or office mates. Their information will help you to know and understand about insurance. Over and above all, by contacting a professional agent of an insurance company, you get all and full details of an insurance. The agent must be a certified and an experienced person who would do his best in getting a suitable policy to you. This agent can manage any problem that may arise during the processing of an application. He will go, all out to see that your desire is achieved once and for all. This type of service can only be render by experts from the agencies of the company. So, he would try to maintain that standard

People who desire to buy a preferred life insurance needs to bear in mind, that the key to the apt life insurance coverage is good health. Hale and healthy individuals can apply for a cheaper life insurance. On the other hand, people who are deprived of desired life insurance need not get disappointed. Every other life insurance company which is out there is trying their level best every day to satisfy all clients. For instance, people can opt life insurance no exam without even undergoing medical examination





Article by David Livingston of www.equote.com – a site that has the widest selections of instant term life insurance quotes in the country.