Term Life Insurance
“You Cannot Afford Not To Have It”
Term Life Insurance Is The Most Affordable Way To Protect Your Family & Your Assets
Traditional Term Life Insurance
Term Life Insurance usually starts at $100,000 of coverage, and it requires a full medical exam. It is ideal for younger individuals and middle-aged people who enjoy good health. In order to qualify, Life Insurance companies perform a comprehensive health exam through a professional Medical Examiner. The exam includes: Blood test, urine test, medical questions, and body measurements. Additionally, a certified medical examiner will check your blood pressure, height, weight, If you are very healthy, you will get preferred rate. However, if your exam shows abnormal results, you will get a rate increase, or you may not qualify at all. Your Life Insurance Agent will help you determine if this is the right plan for you.
No Exam Term Life Insurance
No Exam Term Life Insurance is a simplified issue insurance plan. This means that the Life Insurance Company will approve you by only asking you medical questions on application and by checking your medical history electronically. Generally, the health requirements are more relaxed and most people qualify for n affordable rate. If you have blood pressure, cholesterol, and/or diabetes with a pill, we recommend No Exam Life Insurance. Typically you can get an approval in a couple of days. There is nothing easier than No Exam Life Insurance.
Graded Term Life Insurance
Graded Term Life insurance is a non medical Life insurance designed for unhealthy individuals. it’s called “Graded” because it will have a 2 year waiting before it pays the full death benefit. Coverage usually ranges between $25,000 and $100,000,and you can qualify by answering just a few medical questions. You can even buy a Guaranteed Graded term life insurance without medical questions. However, it is the most expensive term life option by far.