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 Miami, FL 33109

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

Are you looking for a life insurance policy but do not want the hassle that requires a medical exam in Miami, 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 Miami, FL, get the coverage they need and protect their families who might not get insurance through traditional policies.

Heating And Cooling Companies in Miami, FL

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.

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 Miami, 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 Miami, FL

Miami, officially the City of Miami, is a coastal metropolis located in Miami-Dade County in southeastern Florida, United States. With a population of 467,963 as of the 2020 census, it is the 44th-largest city in the United States and the core of the nation’s eighth-largest metropolitan area. The city has the third-largest skyline in the U.S. with over 300 high-rises, 58 of which exceed 491 ft (150 m).

The Tequesta tribe occupied the Miami area for around 2,000 years before contact with Europeans. A village of hundreds of people, dating to 500–600 B.C., was located at the mouth of the Miami River. It is believed that the entire tribe migrated to Cuba by the mid-1700s.

In 1566, admiral Pedro Menéndez de Avilés, Florida’s first governor, claimed the area for Spain. A Spanish mission was constructed one year later. Spain and Britain successively ruled Florida until Spain ceded it to the United States in 1821. In 1836, the U.S. built Fort Dallas on the banks of the Miami River as part of their development of the Florida Territory and their attempt to suppress and remove the Seminoles. As a result, the Miami area became a site of fighting in the Second Seminole War.

Miami is noted as the only major city in the United States founded by a woman. Julia Tuttle, a local citrus grower and a wealthy Cleveland native, was the original owner of the land upon which the city was built. In the late 19th century, the area was known as ‘Biscayne Bay Country’, and reports described it as a promising wilderness and ‘one of the finest building sites in Florida’. The Great Freeze of 1894–95 hastened Miami’s growth, as the crops there were the only ones in Florida that survived. Julia Tuttle subsequently convinced railroad tycoon Henry Flagler to extend his Florida East Coast Railway to the region, for which she became known as ‘the mother of Miami’. Miami was officially incorporated as a city on July 28, 1896, with a population of just over 300.

Learn more about Miami.

Directions from Miami, 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!