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No medical life insurance compared to other policies is more expensive and also it offers less option in comparison with full overages. Some of the options include the ability that you can increase the death benefits or else convert to permanent coverage the term policy.
In order to qualify for life insurance you will have to go through a health underwriting process.
You may however qualify for life insurance with no medical exam through some of the companies we offer.
There are a few different ways that companies will underwrite you on a non medical basis. We will discuss three of these here, non medical underwriting, accelerated underwriting, and guaranteed acceptance.
Imagine a policy where you can access cash from your life insurance policy in the form of withdrawals or tax-free loans and use it to pay for medical expense and care. Traditional term life insurance policies will only pay benefits at the time of death but a Term Life with Living Benefits policy can provide protection during your lifetime as well.
While a medical exam isn’t usually something to be concerned about, please be aware that it can reveal a health condition you didn’t know about.Most term life insurance carriers require a medical exam only if it seems warranted after asking health and life style questions.For example:
– If they find out that you are a smoker
– Had a serious illness
– You want a high coverage amountTo learn more about term life insurance and the application process, contact Gold Cost Life Insurance today. Our advisors can help you decide if a medical exam makes sense for you or not
You can work with an agent to find a life insurance policy and can get a personalized, free, and no-obligation life insurance quote in just a few minutes. It’s that easy to start protecting your family’s financial future! Requesting a life insurance quote through AIG Direct is now faster and easier than ever!
With My Term Life Guy, you can get quality term life insurance coverage for less. Call now and save up to 60% on your term life policy compared to the same coverage through other carriers. That means you can get similar coverage for your money – and that’s always a good thing!
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