THE BEST KEPT SECRET FOR TERM LIFE INSURANCE IS LIVING BENEFITS LIFE INSURANCE YOU CAN CLAIM THE BENEFITS IN LIFE.

Traditional Life Insurance

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Death: Covered

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Stroke: Not Covered

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Cancer: Not Covered

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Heart Attack: Not Covered

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Parkinson's disease: Not Covered

The simplest way to protect your family's financial future? 

Fast, Free Life Insurance quotes online in seconds! No personal information required. We can help get you covered from $100,000 to $10,000,000. If you’re looking for coverage above $20 million, please give us a call.

Life insurance for Life! 

It’s something insurance companies don’t want you to think about but what happens to your life insurance benefits if you outlive your policy? People today are living longer and it could happen.

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.

No Exam Life Insurance in Key Biscayne, FL 33149

Why Should You Get Life Insurance Policy Without Medical Exam In Key Biscayne, FL?

Are you looking for a life insurance policy but do not want the hassle that requires a medical exam in Key Biscayne, FL? Do you want your life insurance process to be fast and convenient? My Term Life Guy understands you and your requirements!

If you don’t have a severe medical condition, you may think life insurance is not available for you. A medical exam helps the insurance company offer life insurance according to your risk and set your premium. This exam is usually needed for most types of life insurance, such as term life insurance. It is hassle-free, fast, and most importantly, covers pre-existing medical conditions.

Types Of Life Insurance Policy In Without Medical Exam

It’s possible to choose two types of life insurance policies while opting for Life Insurance Policy Without Taking A Medical Exam – A Simplified Issue or Guaranteed Issue.

1) Simplified Issue: A simplified policy asks you to fill out a lot of information about your health, medical history, and family medical history. You will also need to let them see your medical records from the past. You don’t have to get checked out by a doctor. The answers to your health questions and your medical records are all that’s needed.

Simplified issue insurance can be for term life or whole life insurance coverage. To get this kind of insurance, you have to pay more than you would for a traditional life insurance policy that requires a health check.

2) Guaranteed Issue: Suppose you don’t qualify for traditional or simplified issue life insurance, either because you have a pre-existing condition or because the premiums are too high for you. In that case, there are still ways for you to get life insurance. You might want to think about a life insurance policy guaranteed to work.

When you apply for guaranteed issue life insurance, you don’t have to go through a medical check-up. Guaranteed-issue policies ask only a few questions about your health information to get an insured card.

Reasons For Obtaining Life Insurance Policy Without Medical Exams

1) Convenience & Fast Procedure

When you don’t want to get into the waiting period of the application process of a traditional life insurance policy and want a convenient and fast procedure, there comes a life insurance policy without a medical exam in Miami-Dade County.

2) Quick Acceptance

In the case of no medical exam, you can get insurance right away instead of waiting weeks for the application process and results. It might be a good idea if you need coverage quickly, like for a trip.

3) Coverage Against Your Pre-Existing Medical Conditions

It is to help people in Key Biscayne, FL, get the coverage they need and protect their families who might not get insurance through traditional policies.

Because the coverage amounts are smaller than other types of life insurance, many people use it to cover their final expenses. It can help someone pay for funeral costs and other medical bills and pay off debts at the end of life.

Heating And Cooling Companies in Key Biscayne, FL

Why Hire My Term Life Guy While Buying Life Insurance Policy Without Medical Exam?

We at My Term Life Guy understand your needs. Our insurer provides this policy to help you receive better compensation. So, our insurance agent in Miami-Dade County assists in maximizing coverage amounts of your final expense insurance.

My Term Life Guy in Key Biscayne, FL understands that everyone’s health and financial stability is important. Even if you are not in bad health, you need life insurance to secure your future health expenses.

Therefore, we offer this type of life insurance to guarantee acceptance into no medical exam life insurance with few health questions and no medical checkup in Miami-Dade County. Call us now at 561-990-9017 to get a life insurance policy without a medical exam.


Some information about Key Biscayne, FL

Key Biscayne is an island town in Miami-Dade County, Florida, United States. The population was 12,344 at the 2010 census.

While there had been earlier schemes to develop a town on Key Biscayne, it wasn’t until the opening of the four-mile (6 km) long Rickenbacker Causeway from Miami to Virginia Key and on to Key Biscayne in 1947 that the island was opened up to large scale residential development. The northern two-thirds of the island had been operated as the largest coconut plantation in the continental United States during the first half of the 20th century. In 1940 the Matheson family donated over 800 acres (3.2 km2) of their land to Dade County for a public park (Crandon Park) in exchange for a commitment that the county would build a causeway to the island. The remaining Matheson property, stretching across the middle of the island, was then sold off to developers. Starting in 1951, the Mackle Construction Company offered new homes on the island for US$9,540, with just US$500 down. A U.S. Post Office contract branch was opened, the Community Church started holding services in an old coconut-husking shed, and the Key Biscayne Elementary School opened in 1952.

The southern third of Key Biscayne, which included Cape Florida, was owned by James Deering and, after his death, by his brother Charles, for 35 years. In 1948 José Manuel Áleman, a Cuban politician in exile, bought the Cape Florida property from the Deering estate. After Áleman died in 1951, his widow, Elena Santeiro Garcia, added to her Cape Florida property by buying an ocean-to-bay strip that had been part of the Matheson property. This strip included a canal that had been dug by William Matheson in the 1920s, and which extended from the bay across most of the island. The land north of this canal was developed as part of what is now the Village of Key Biscayne. Garcia sold the Cape Florida property in 1966 to the state of Florida. This land became Bill Baggs Cape Florida State Park, which opened January 1, 1967.

President Richard Nixon purchased the first of his three waterfront homes, forming a compound known as the Florida White House, in 1969 to be close to his close friend and confidant, Bebe Rebozo and industrialist Robert Abplanalp (inventor of the modern spray can valve). Bebe Rebozo, owner of the Key Biscayne Bank, was indicted for laundering a $100,000 donation from Howard Hughes to the Nixon election campaign. President Kennedy and Nixon met for the first time after the 1960 Election loss by Nixon in an oceanfront villa at the old Key Biscayne Hotel. Plans for the Watergate break-in at Democratic headquarters were discussed at the Key Biscayne Nixon compound and, as the Watergate scandal unfolded, Nixon spent more time in seclusion there. Nixon visited Key Biscayne more than 50 times between 1969 and 1973. The U.S. Department of Defense spent $400,000 constructing a helicopter landing pad in Biscayne Bay adjacent to the Nixon compound and when Nixon sold his property, including the helicopter pad, there were public accusations that he enriched himself at taxpayer expense.

Learn more about Key Biscayne.

Directions from Key Biscayne, FL to My Term Life Guy

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Coverage 2

Chronic Illness

If you are unable to perform, without substantial assistance, or have a severe cognitive impairment.

Coverage 2

Critical Illness

Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, transplant, or ALS

Coverage 2

Terminal Illness

Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, major organ transplant, or ALS

Coverage 2

Unemployment

Waives 6 months worth of premium if you become unemployed for at least 4 weeks.

Looking for a Life Insurance Quote?

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!

My Term Life Guy & it's partners have been helping families guard their financial futures for nearly 100 years. Are you ready to join the millions of people who trust us for reliable coverage they can count on?

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* Example assumes a 50-year-old male buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class. The example assumes a 50 year old female buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class.

Female
Elite non smoker
Age 50


$500,000 Coverage

$41,36/Mo

Male
Elite non smoker
Age 50


$500,000 Coverage

$51.48/Mo

How much does Term Life Insurance cost?

Our Provider Network

My Term Life Guy is an Independent Life Insurance Agency working with dozens of top national companies to provide you and your family with the best solution possible.

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When purchasing life insurance, we always want to choose the coverage amount that will be most useful to our family and loved ones in the future. When we wish to begin the application process for any type of life insurance, however, there are various factors to consider.

At My Term Life Guy, we assist each individual or family in determining the best plan for their needs. We understand that, in many circumstances, a person’s health status might be a barrier to getting traditional life insurance at a reasonable price. In order to receive a plan that offers good coverage, most life insurance companies require a medical exam. The truth is that undergoing a physical exam may be counterproductive if you are looking for a cost-effective plan with enough coverage in the future.

Even if one’s current health is strong, one’s lifestyle or previous illnesses can have an impact on future final expense insurance. If you are not a regular exerciser, a smoker, or have had a significant illness, it is conceivable that the life insurance company may not offer you the plan that you desire. If you also try to hire a policy that offers a lot of coverage while also not having a good medical history, the cost may end up being too high.

Although obtaining life insurance without a physical exam can be pricey, at My Term Life Guy, we will do everything we can to find the best insurer offer for you. The best part about working with us is that we will strive to put ourselves in your place in order to propose the best solution for you, whether it is term life insurance or guaranteed issue life insurance. Furthermore, you will not be required to pay anything to begin the application process, allowing you to compare quotes from several types of life insurance to determine which one is best for you.

You can obtain a quotation by filling out our online form. Please do not hesitate to contact one of our insurance agents if you have any questions!