No Medical Exam Term Life Insurance
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Buying term life insurance online should be like buying a book.
Or a movie. Okay, maybe not that easy, but it should certainly be easier than buying a car. Sadly, it’s not. Not even close.
Sure it’s easy to get term life insurance quotes online. There’s no shortage of websites offering them. But that’s the easy part. There’s a whole application process that comes after the quote.
In most ways, no medical exam term is the same as regular term. You pick the term length and the amount. It pays a death benefit if you die during the term. You can choose to pay for it monthly, quarterly, semi-annually or annually.
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These are the main differences
No exam required
This is the big advantage. No paramedical exam means no blood, no urine and no nurse visiting your home.
It’s faster
Way faster, like a cheetah racing an elephant faster. We complete the application by telephone and you sign it electronically. If approved, your policy can be in force in as little as 24-48 hours. How’s that for fast?
Coverage is limited
We currently offer no medical exam policies from Sagicor Life (up to $500,000 in coverage) and Haven Life/Mass Mutual (up to $1,000,000 in coverage). Beyond that, you’ll have to go with regular term life.
It sometimes costs more
Depending on your age, the coverge amount and other factors, you may end up paying more for a no medical exam policy. But not always. It’s worth the time to take a look. And remember, with a no medical exam policy you’re paying for speed and convenience. You’ll need to decide how much that’s worth to you.
If you’re in a rush or just despise needles (and who doesn’t), take a look at no medical term life. You’ll save a ton of time and you might find the cost isn’t much more than regular term life.
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