No Medical Life Insurance
What is No Medical Life Insurance?
Cancer
Heart attack
Stroke
High Blood Pressure
Cholesterol
Diabetes – Insulin
Hepatitis B
Hepatitis C
Cirrhosis
Kidney disease
Bypass surgery
Dementia
Depression
COPD
Respiratory condition
Declined by other Life Insurance
MS (Multiple Sclerosis)
Angina
Hemophilia
Thrombocytopenia or serious Anemia
You can buy Term Life insurance or Whole Life Insurance without seeing any nurse or doctor.Who are good candidate for this option?
Best way to go about it, if you have some health conditions and see a possibility of getting declined: talk to us; just fill this form on screen and one of our licensed Life Insurance broker will provide you caring and professional advice.
Yes, I want my FREE, No Obligation Quote
Name: *
Age: *
Select
16 Yrs 17 Yrs 18 Yrs 19 Yrs 20 Yrs 21 Yrs 22 Yrs 23 Yrs 24 Yrs 25 Yrs 26 Yrs 27 Yrs 28 Yrs 29 Yrs 30 Yrs 31 Yrs 32 Yrs 33 Yrs 34 Yrs 35 Yrs 36 Yrs 37 Yrs 38 Yrs 39 Yrs 40 Yrs 41 Yrs 42 Yrs 43 Yrs 44 Yrs 45 Yrs 46 Yrs 47 Yrs 48 Yrs 49 Yrs 50 Yrs 51 Yrs 52 Yrs 53 Yrs 54 Yrs 55 Yrs 56 Yrs 57 Yrs 58 Yrs 59 Yrs 60 Yrs 61 Yrs 62 Yrs 63 Yrs 64 Yrs 65 Yrs 66 Yrs 67 Yrs 68 Yrs 69 Yrs 70 Yrs 71 Yrs 72 Yrs 73 Yrs 74 Yrs 75 Yrs 76 Yrs 77 Yrs 78 Yrs 79 Yrs 80 Yrs zzz
Gender: * Male
Female
Smoker Status: * Smoker
Non Smoker
Health Status: * Poor
Email: *
Phone: *
Postal Code:
Coverage Amount :
$5,000
$7,500
$10,000
$15,000
$25,000
$50,000
$75,000
$100,000
$150,000
$200,000
$250,000
$500,000
$750,000
$1,000,000
Plan:
Select One
Funeral Planning
Mortgage Protection
Retirement Planning
Critical Illness/Disability Insurance
Estate Planning
Term 10
Term 20
Term 30
Whole Life
Universal Life
Medical Health Conditions/
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Advantages| No Med Insurance
1 Easy to get , just need to answer few health questions and you get the Life Insurance coverage.
2 Hard to insure individuals , who are declined by other insurance companies.
3 Older or Elder individual with health conditions or just need small policy for final expenses.
4 Some are just scared to have needle for blood work or don’t like to get seen by nurse or doctor for blood work or needles, this is good option for them.
5 If you want immediate coverage and can’t wait for regular underwritten plan where they take 3-6 weeks before issue of policy.
> Disadvantages
1 Premiums are higher in comparison to fully underwritten insurance plan.
2 Underwriting is done at the time of claim ; At the time of processing of claim if the insurance company find out that some of the information on application was not correct or complete, Claims could be declined; hence providing complete and accurate information in these application is very important.
3 Two years waiting period ; most of these plans have restriction that in case of death claim in first two years other than accidental death there is only refund of premiums and actual coverage (coverage for any reason of death) only starts after two years. Its because insurance company wants to ensure, you were healthy enough to buy life insurance and death claim is not expected to happen very soon.
4 No medical Term Life insurance policy may not have option of renewal at the end of term, hence reading the policy once you get the contract is utmost important to understand the terms and policy wordings so as there are no surprises later on or at the time of renewal or claim.
