Life
LIFE INSURANCE (Requires A Medical Exam)
Who would benefit from medical exam life insurance?
We get this question time and time again. The people who benefit the most from a Life policy that requires a medical exam are young, healthy and physically active people taking no medications, don’t smoke or do recreational drugs. Marijuana is becoming more mainstream but still counts as tobacco use and results in you paying higher rates. The younger, healthier and more active you are, the cheaper and best possible price you will qualify for.
What would I need medical exam life insurance for?
Life is needed when life events change a person’s situation. Things like marriage, a new baby or a new house are good examples of the type of events that make a Life insurance policy a good idea. A life policy will protect your new family and its ability to care about their lives without worrying about money.
When could I get medical exam life insurance?
The younger you are when you get a Life policy the better. Age is a big factor along with a person’s health. You can get a life insurance policy that requires a medical exam at any time. You will never be younger than you are now, so do it now. The sooner you get a Life insurance policy the cheaper it will be.
Where could I get this medical exam life insurance?
SM123 can help get a Life insurance policy by getting quotes from as many as 20 companies and helping you get the policy issued and schedule all exams. We can do almost the entire process for you. Answer a couple basic questions, name rank and serial number, that kind of thing. A few medical questions and we do the rest. It really is easy and streamlined.
How can I apply for medical exam life insurance?
SM123 can start the application process and get your exams scheduled. Click the Get A Quote button and we can begin the easy to follow steps.
LIFE INSURANCE (No Medical Exam)
Who would want non-medical exam life insurance?
A Life insurance policy that does NOT require a medical exam is best suited for older people, over 65 and for those with underlying medical conditions. Major pre-existing conditions like Cancer, Heart disease, Lung, Liver or Kidney issues can be disqualifiers on a typical Life insurance policy. With a NO MEDICAL EXAM Life policy, those medical situations are allowable.
What type of person would need non-medical exam life insurance?
A non medical exam Life insurance policy is best suited for people who worry about how they will pay for expenses related to a funeral. This would include, cemetery, casket and funeral home expenses, any cost associated with a death. Today the average funeral is over $7,000 in most cases. Non medical life policies are typically for smaller coverage amounts. A policy with as little as $3,000 up to $25,000 in coverage. This takes the financial burden off the family. These smaller policies are cheaper and more affordable for your lower income and people living on social security. Our Non medical life insurance policies, never go up in price, the benefit amount, $3,000 to $25,000, never goes down and the policy can never be cancelled except for non-pay.
When would a person need non-medical exam life insurance?
A good time to get a non medical exam Life policy is when you have had a change in health or feel a change in your health may be about to happen. It is also best to get a policy before something happens. People have a tendency to wait until some big health event occurs before they think about a Life insurance policy. A husband finally sees the light when his wife gets sick or the wife suddenly realizes they haven’t properly prepared for an unexpected death in the family. People who are coming up on retirement are also good candidates for this kind of Life insurance. It helps a family get their house in order.
Where could I get non-medical exam life insurance?
This is a great question that we receive often. We have wonderful news for you. You can get your non-medical exam life insurance from us here at SM123. You DO NOT need to go searching everywhere to find this type of insurance. No salesmen will visit your house. The easy to follow process can be done by phone and or email. Our office prides ourselves in being a one-stop shop for all your insurance needs! Saving you time and money at the same time.
How could a person apply for non-medical exam life insurance?
SM123 can walk you through the process, go over all the steps and have the policy Jet issued. A non medical exam Life policy can generally be issued in three days or less. A simple YES NO application can be completed with us over the phone. Your application is signed electronically with a confirmation call to the insurance co.