Your dog might like to be chased, but you probably don’t
The current trend in the life insurance industry seems to include a barrage of calls, texts and emails after you request quotes. In our experience, nobody wants to be chased by agents, salespeople and call centers.
That’s why we won’t harass you.
We won’t share your information with anyone else either.
We’re here to help you find the right coverage at the best rates. It helps if we can get a clear overall picture, so we will try to connect with you a few times. If you don’t want to talk, just tell us.
Life insurance with no physical exam
Did you know that it’s possible to get life insurance without taking a physical exam? For the longest time, your only option when applying for life insurance was to complete an application then undergo an exam and wait weeks for the results. In that exam, you gave blood & urine samples to be used for testing. Your height, weight, blood pressure and heart rate were also recorded.
The results of these tests are used to determine your eligibility for coverage as well as the premium the insurance company will charge you for insurance. Not only is this process intrusive, nevermind stressful for anyone who doesn’t like needles, but it also increases the turnaround time it takes to put a life insurance policy in place.
With life insurance policies that do not require a physical exam, you complete a slightly more in-depth application form at the outset, and the life insurance company uses your answers, along with publicly accessible data like your motor vehicle records, your prescription history, etc. In some cases, what’s known as an attending physician’s statement (APS) may be ordered from your doctor’s office.
This streamlined process drastically reduces the turnaround time to put a life insurance policy in place to protect what’s most important to you. On top of that, there’s a good chance it could actually save you money.
So don’t delay…Complete the instant quote form today!
Possibility of included Living Benefits
Some policies that do not require a physical exam also include what’s known as living benefits. Living benefits, much like no exam policies themselves, are a relatively new offering by the life insurance industry and only a handful of carriers include them in their policies. In a nutshell, living benefits are policy riders that give you access to a large portion of your death benefit should you get diagnosed with a terminal, critical or chronic illness. It’s a way for your life insurance policy to help you financially while you’re still living if certain health issues arise.
Very few life insurance companies offer both a no physical exam process as well as living benefits. Those companies that do, however, are a favorite of our clients because of the huge added value they provide.