Non Medical Exam Life Insurance
FreeLifeTermQuote
represents many options for Non-Medical Life Insurance. We work with
several A+ , A, and A- rated companies to fulfill the needs of our
clients. We realize the needs for Non-Medical Life Insurance are not
the same for everyone. Therefore, we have chosen to represent several
types of Non-Medical products from different companies.
Options Available
Simplified Issue life insurance Non-Medical Application that is underwritten by medical
questions on application along with Pharma Script Report and Medical
Information Bureau. Underwriting and approvals can be completed within
minutes.
Graded Benefit Life Insurance – Eligibility is usually the 40 -85 age group; limited
to no health questions on application. There is a period of 2 to 3
years before full benefits would pay out reduced benefits during this
time. Death Benefits are usually $5,000 to $50,000
Guaranteed Issue life insurance – Has limited medical questions with product designed
for final expense or funeral expenses. Smaller policy amounts usually
under $30,000.
Our most sought after
Non-Medical Life Insurance program is the Simplified Issue. This
product is competitively priced with traditional underwritten products
and has many benefits over the medically underwritten plans.
- No medical exam
- Instant issue
- Up to $500,000 benefit
1. Decisions within 24 hours- often times in minutes. Most medical exam underwritten products take 4 – 6 weeks for approval.
2. Manual reviews if need
3. Seamless Online Application – No Agent Intervention unless requested
4. E-Signature or Voice Signature Application
5. Pay Online Bank Withdraw or Credit Card
6. Rates are Guaranteed for the duration of the term
- No medical exam
- Instant issue
- Up to $500,000 benefit
When there is a need for life insurance people want a hassle free process without road blocks to their approvals.
Traditional road blocks to medically underwritten programs.
1. Coordinating Scheduling with Third Party Examiners. Applicants are
busy with not a lot of free time between work, family and other
commitments.
2. Eighty Percent of all decisions require a doctor to send Attending
Physician Statement with medical records to the insurance carrier.
Takes 2 – 4 weeks for doctor’s office to meet request. Underwriter may
then request clarifications from you and/or the doctor. Taking addition
time for final decision.
3. Underwriting decisions come back with a lower health classification
than quoted, rated or declined. Causing new concerns for future
eligibility with other companies.
4. Frustrations build with increasing tension when underwriters request
additional information holding up decision making process. Have you
ever bought a house and waited for your loan approval?
Apply now and relax. You are about to experience the EZ Way!
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