Senior No Exam Life Insurance Plans

If you are a senior and you have searched for life insurance online you may have noticed no exam life insurance coverage offered by some life insurance carriers.

But, did you know seniors may qualify for life insurance without having to take any physical exams?

That's right, there are insurers which offer no exam plans to seniors.

In fact, some life insurers offer people age 78 and under life insurance without you having to take a medical exam to qualify for coverage.

Some insurers offering the no exam life insurance plans include, Globe Life, Colonial Penn, and Stonebridge Life.

Some things you should know:

1. The coverage may cost more than life insurance requiring a medical exam.
   
   
2. The amount of life insurance may be limited.
   
   
3. The coverage may be graded, meaning full coverage is not available until you have owned the policy for 1-2 years.

However, if you are a senior looking for no exam life insurance protection, you may have options.

Please visit Senior No Exam Life Insurance to learn more, and request your free quote today.

The Best Term Life Insurances

What are the best term life insurances?

According to a study performed on behalf of the Insurance Information Institute, the most popular type of term life insurance purchased in the U.S. is level term life insurance.

The reason level term life insurance is so popular is because it provides guaranteed level rates and coverage for 10, 15, 20, or 30 years.

Also, level term offers you some of the most affordable prices for a term life insurance policy.

Whereas, decreasing term life insurance may be affordable, the amount of life insurance decreases each year.

Return premium term life insurance may offer a return of premium if you outlive the term of your policy, the rates are much higher than for level term insurance.

If you don't want to take any physical exam to qualify, there is term life insurance with no medical exam required, just a few health questions to answer. However, your rates may be higher than those for fully underwritten term life insurance requiring a physical exam.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

Tips to Decide How Much Life Insurance You Need?

How much life insurance do you need?

Depending on your personal situation, you may need more, or less, than you may have expected.

How can you find out?

There are a few things you want to consider first.

How much money do you have saved? How many people rely on you for financial support, and how much do you earn. Also, how many years do you want to provide financial support for others?

There are two basic ways to determine your life insurance needs.

You can use 7-10 times your annual income as a guideline. If you make $50,000 per year, perhaps $500,000 would be the right amount of life insurance to provide financial security for your family. However, this does not take into account your savings.

Another way to decide is to use a life insurance calculator. How this works is you answer several questions about your current financial situation, and then the calculator gives you an instant, accurate estimate of your life insurance needs.

No matter what you do, before you buy life insurance, make sure you know how much coverage you need.

Why? because, you don't want to leave your family with less financial security than they really need, do you?

And, you don't want to pay more than you have to for life insurance coverage you don't really need.

Here's how you can find out how much life insurance you need.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

How to Apply for Term Life Insurance Online

Do you want to buy term life insurance coverage to protect your loved ones?

Did you know you can apply for term life insurance online in just minutes?

That's right. Now it's quicker and easier than ever before to apply for life insurance coverage.

How does it work?

First, you can request a free quote for life insurance. Then, you answer some basic health questions, and you receive instant quotes.

Once you review your quotes you can apply for life insurance direct online and pay for your first month's premium using your credit card.

In fact, you may be able to begin your life insurance policy the same day, if you qualify.

How do you qualify for life insurance online?

You answer some basic health questions and your answers will determine if you qualify for coverage.

Are there any guarantees?

Yes, there is a 30 day free look period which acts like a money-back guarantee. if you don't like your life insurance policy after receiving it, you have 30 days to return it to the life insurance company for a full refund of all premiums paid.

There's an "A+" rated life insurance company that offers up to $500,000 of term life insurance with no medical exam required, just a few health questions.

There's no medical exam required?

That's right, there's no medical exam, no blood or urine tests.

Here's how you can get your Free Quote now.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

Term Life Insurance without Exam

Is term life insurance available without any exams?

Today, many consumers like yourself search online for term life insurance coverage without any physical exam required?

Why do people choose term life insurance without exam?

There may be several good reasons for not wanting to take a medical exam to qualify for your life insurance, including:

1. You're too busy, you don't have time to take a physical exam, blood and urine tests.
   
2. You hate needles, and the thought o drawing blood.
   
3. You want life insurance starting today, you don't want to wait 6-8 weeks to get your life insurance policy.

Some people just don't like to get a physical exam, or take blood or urine tests.

Now, you don't have to.

In fact, there's an "A+" rated life insurance company that offers you the chance to purchase up to $500,000 of term life insurance with no medical exam, just a few health questions.

And, the policy comes with a 30 day money-back guarantee. You don;t have to meet with an agent, you can apply directly online and start your life insurance today, if you qualify. Get your Free Quote now.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

Life Insurance for Seniors Over 70

Are you a senior over 70 looking for life insurance?

If so, you may be wondering where you can buy life insurance, and how much it will cost?

Actually, there are life insurers who specialize in providing life insurance for seniors over 60 or 70 years of age.

Some senior life insurance plans are term policies for a specific number of years, and some are whole life insurance offering lifetime coverage.

In addition, there are guaranteed acceptance life insurance plans which offer limited coverage at high prices with no medical exam required.

However, some life insurance such as Globe Life Insurance, offer seniors age 78 and under up to $30,000 of simplified life insurance with no medical exam required.

When comparing life insurance plans for seniors make sure you check the financial rating of the insurer, which should be provided with your life insurance quotes.

Also, review the number of years coverage is guaranteed, and whether your life insurance premiums is guaranteed to remain level for the entire term of your life insurance policy.

Whether you qualify for life insurance will depend on your age, health, height-to-weight ratio, among other factors.

You can read this article on Over 70 Life Insurance to learn more and compare plans.

No Exam Life Insurance

What is no exam life insurance?

No exam life insurance is a type of life insurance policy that does not require you to take any medical exam in order to qualify for coverage.

With no exam life insurance policies there are no physical exams, no blood tests, and no urine tests.

How can the insurance company accept you for coverage without an exam?

There are a few health questions you answer, and the answers determine if you qualify for coverage.

How much life insurance can I buy without an exam?

It depends on your age and health, but you may be able to qualify for up to $500,000 of term life insurance.

When will my life insurance coverage begin?

If you apply online and are accepted for coverage, you can start your life insurance policy today.

How can I pay for my life insurance?

You may be able to use your credit card, or an electronic transfer from your bank account or checking account.

Is there any guarantee?

There is a 30 day free look period, which works like a money-back guarantee. if you are not satisfied with your policy, you may return it within 30 days for a full refund of any premiums paid.

How do I get started?

You can request your Free Quote now.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.