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.
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We offer the best life insurance for diabetics in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL. This way, you can try to spend your life happily without worrying about insurance company bothering you for your condition. Our company is at the helm of offering custom insurance solutions to the clients. So, call us now!
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Critical illness can cause a lot of problems. One of them is the procurement of insurance. My Term Life Guy does not discriminate and offers term insurance for critical illness & for major illness. There is nothing more beautiful for us save the smile on our clients’ faces. So, smile with us!
Term insurance with living benefits allows you to get extra for your policy in certain cases. We are a leading agency that offers term insurance with living benefits in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL at amiable terms and conditions. If you need one yourself or for your loved ones, call us now!
There is nothing smoother than getting no exam term life insurance from My Term Life Guy. We have a team of insurance specialists in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL that offers assistance to our clients in securing affordable term life insurance with no medical exam. We also offer life insurance with living benefits and you still do not have to go through arduous medical examination. We are committed to our values and traditions and put our clients’ financial health and wellbeing above all else. So, for no medical exam term life insurance, feel free to give us a call right now!
Some of the best life insurance with living benefits allow you to cash additional payment in certain cases. You are insured for life, but still you can get a hefty paycheck if you fulfill certain conditions. My Term Life Guy is a household name in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL as a living benefits life insurance company. Our clientele includes both individuals and companies and we provide insurance services to people from every walk of life. What sets us apart is our terms management, as we never put profits before clients like you. So, feel free to connect with us today!
Many insurance companies conduct thorough medical exams before coming to agreement to leverage their position. My Term Life Guy has set itself apart by providing life insurance with no exam. Now, you can secure a no medical exam life insurance for yourself and your loved ones in a seamless and hassle-free manner. As always, our terms are amiable and non-evasive and you will know that our lawyers are actually your lawyers. We ensure transparency and swiftness of the process along the way. If you need the best no MD exam life insurance in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL, get in touch with us now!
The uncertainties of life do not stop when you want to. Since, family is everything for us, it is only natural to want only the best for them. My Term Life Guy offers the best family care health insurance in Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL at amazing terms and conditions. There is no need of risking everything you love without an active cover to protect them, especially in times of crises like these. Our company will ensure you and your loved ones are paid for if the need arises. So, to protect your family with life insurance, book your appointment with us today!
If it is hard to get life insurance on normal terms, try getting disability insurance at reasonable terms. With The Term Life Guy, fret not. We have a reputation of offering the best disability insurance with benefits and all in the area of Boca Raton FL, Miami FL, West Palm Beach FL, Orlando FL, Tampa FL. The people with disability are at the disadvantage in the society. We, as a company, believes in uplifting those individuals by offering financial security in case of adversity. As always, our terms are conditions are famous for being too reasonable and lenient in the favor of clients. So, feel free to contact us today!
Life insurance is about two things, the returns and the time when you need them. If you are putting in a million or two in the pot, you want certain assurances for your financial security and wellbeing. My Term Life Guy offers a million dollar and two million no exam insurance. With the industry-leading terms and a smooth payment way, back and forth, this is the bargain you will always remember. In addition to this, you will get complete support from our team against your queries. So, feel free to connect with us for million dollar & two million life insurance!
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Typically, an individual can get up to 20 times her or his annual income in coverage.
The total coverage amount a person will qualify for often decreases with age, as retirement draws nearer.
For those who are not currently employed, it is still possible to get $50,000 – $100,000 of coverage for items such as final expenses. Unemployed individuals will have to provide information on the application to prove they can afford the premiums, such as disability or retirement income information.
It is possible to get more than 20 times your income for coverage if you have additional assets to protect over and above your income. It is also possible for a homemaker to qualify for the same amount of coverage their spouse has, even without a separate income.
This depends on what kind of policy you apply for.
Typically a No Medical Exam policy can be applied for, approved, and put in force within approximately two business days. No Medical Exam policies are available to clients up to age 60 or so, depending on the insurance company. The coverage amount you can apply for is limited, due to the greater risk the insurance company is taking. (When there’s no physical exam involved, the insurance company has less health information about the applicant.) For healthy applicants, these policies can cost up to twice the rate of a medically underwritten policy. However, there are people who don’t like needles, and the No Medical Exam option is a great one for that reason!
A medically underwritten, or traditional, term policy will typically take about 3 weeks from start to finish. This process can take longer when applicants have health issues and the underwriter orders medical records from their doctor. If this occurs, we let our clients know that they can call and ask their doctor to expedite the submission of the medical records to the underwriter in an effort to speed up the application process.
Most carriers have the same rules when it comes to paying premiums on life insurance policies. The only way to make monthly payments these days is to authorize a monthly automatic draft from your checking or savings account. If you prefer not to make automatic payments, there are some other options. You can receive a bill by mail if you elect to pay quarterly, semi-annually, or annually. Most people choose to make automatic payments for their life insurance for the same reason they do for other bills, such as car insurance: they don’t want their policy to be canceled because of non-payment.
You do not have to send a payment with your application, unless you want to be covered during the underwriting process (which typically takes about 3 weeks). Most people choose to wait until their application has been approved to make a payment and begin coverage. Once an approval is made, you can make changes to the policy to fit your budget if the rate that comes back is different from the one you applied for. Also, most people want to know the exact cost before making a payment to begin coverage. You do not have to provide billing information on the application, either. That information can be collected after an approval has been made and you’ve decided that you want to begin the coverage afforded by the policy.
If you want to secure temporary insurance and be covered during the underwriting period, simply include a payment for two months’ premium. It’s refundable if you decide not to take out a policy based on the final approved rate.
It depends on the pre-existing condition. For example, it’s difficult to obtain life insurance when you’ve had cancer (skin cancer is the one exception) or within 5 years after having a heart attack. On the other hand, it’s fairly easy for people who have high blood pressure, high cholesterol, and/or high blood sugar, such as those with type 2 diabetes, to obtain coverage as long as they are under a doctor’s care and the condition is under control.
There are graded benefit and/or final expense policies available for people with greater health risks. The corresponding premiums will be higher, depending on the severity of the pre-existing condition. It’s often beneficial for an applicant with pre-existing conditions to discuss them with an agent before applying for coverage, to increase the chances of a more favorable approval.
hat depends on your needs. A person’s needs change over time. Most term life insurance policies have a premium that increases each year after the initial guaranteed level term period. If you are nearing the end of your initial term period and want to lock in a rate that won’t change for another predetermined number of years, it might benefit you to apply for a new policy and replace, or surrender, the old one.
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!