Instant Decision No Exam Life Insurance!
In 20 minutes, you could have life insurance in force. Fill out the form and you’ll only see rates from carriers that offer instant decision life insurance – or what we like to call “Simplified Term”.
No more waiting 4-8 weeks. No more giving urine/blood samples just to see if you can qualify for life insurance.
At SimplifiedTerm, we only work with life insurance companies that give you an instant decision so you can get this life insurance task off your plate.
There are many types of life insurance, with only one being the best fit for you. It is important to recognize that everyone has different insurance needs and one size definitely does not fit all. You must be sure you are obtaining the correct type of life insurance policy and with the best life insurance company for your specific needs. If you’re looking for a no medical exam, instant decision product – we offer them all.
SimplifiedTerm works for you as a life insurance comparison service to find you the best rates available with instant issue life insurance companies.
While you are shopping for life insurance it is important to understand that each life insurance company may look at you differently. Some companies specialize in working with certain life threatening maladies like cancer or high risk activities such as being a pilot. If you have one of these issues you may get a nice low quote but after the company underwrites your case they may decide they don’t want to take on the added risk, or they may want extra premium to help cover the risk. We know which companies have the best track record with different underwriting situations, saving you time and money.
The key to securing the best rates is to find the company that looks most favorably upon YOUR individual health, and lifestyle. Start now by completing our FREE instant life insurance quotes form and you will have immediate access to the best instant issue life insurance rates available.
WHAT IS TERM LIFE INSURANCE?
Term Life Insurance provides money or a “death benefit” to cover the financial responsibilities of the insured in case of their death. Term Life Insurance coverage is for a set period of time or “term” which is typically five to thirty years. Coverage ends at the end of the term or when premiums are no longer being paid. Term life insurance is appropriate to cover a life stage or a particular purpose. Common reasons to buy Term Life Insurance are to provide for dependent children’s education, to pay off a mortgage, or to replace the income of a spouse.
Term life insurance has three key benefits. The most important benefit is the Death Benefit, which is usually Tax Free. The second benefit is that term life insurance is typically less expensive than permanent life insurance. This can make it easier to fit into your current budget or enables you to afford a higher death benefit. The third benefit is that some Term Life policies are “convertible” to a permanent policy such as Whole Life Insurance or Universal Life Insurance. This is an important feature that allows a person to obtain term life insurance which normally has a lower premium than permanent life insurance and then have the option to convert to permanent insurance later when they may no longer be insurable due to some newly diagnosed condition. It is important to note that not all term life insurance is convertible and the option to convert may not extend for the entire term.
SOMETHING TO CONSIDER ABOUT TERM LIFE INSURANCE:
Because the coverage is not permanent, you may outlive the term of your policy. Then, if you want to extend your protection after it has expired you may find that you are no longer insurable or that the premium is prohibitively expensive.
Is term life insurance the right choice for you? Term Life Alert can help you understand your options and determine the type of policy that may be right for you. Let us help protect you and your family from financial hardship! Complete our FREE instant life insurance quotes form today and begin comparing the best rates in minutes.
WHAT IS A PREFERRED RATING?
If you are healthier than the average person your age with no lifestyle issues, many companies will offer you a preferred discount.
Are you a Non-Smoker? Are you in great shape? Are you a weightlifter, a runner, athletic? Do you live a healthy lifestyle? A rating of “Preferred” from the life insurance company could save you a lot of money or help you to afford a higher death benefit! Request a quote today to see if you qualify for a preferred rating!
WHAT IS HIGH RISK LIFE INSURANCE?
There are many factors which would lead a life insurance company to classify you as a “High Risk.” You may have a job that could be considered high risk, such as an underwater welder. The risk might be associated with a health diagnosis; prostate cancer or heart disease, for example. For some the high risk is due to a hobby such as skydiving or SCUBA diving. Driving History, Criminal History, Tobacco use, Recreational or Medical Marijuana use, and being a Pilot are also factors that can affect your premium and insurability.
Anything that could shorten your lifespan is considered additional risk for an insurance company. The life insurance company will adjust the premium based on the amount of risk. This does not mean life insurance is not available to you if you have a high risk factor… even if you have already been declined coverage. However, we will need to find a company that will insure you with your particular situation. Each life insurance company has their own underwriting guidelines, and has their own stance on different risks.
Just because you think you have a risk factor does not mean you will be uninsurable or have a premium that you can’t afford. It is very important to find the best company for your circumstances. The best way to find out what your options are is to request a FREE instant life insurance quote today. We will be able to provide you with an accurate rate and answer any questions you might have.
WHAT IS NO EXAM TERM LIFE INSURANCE?
Some companies have what they refer to as a non-med option. They ask you 5 to 10 questions and if the answers are what they are looking for they will issue you a policy. You can usually find a lower rate with a company requiring an exam but if time is critical to you a non-med approach may be what you need.
HOW MUCH TERM LIFE INSURANCE COVERAGE SHOULD I PURCHASE?
The real question is “How much life insurance do you want”. If you are buying the term life insurance for your spouse and/or children, you should buy the amount needed to provide the lifestyle you want them to have. Maybe pay off the mortgage, provide for schools or pay for the basics of life; food, utilities and clothing. Most experts say this will be 10 to 12 times your current annual income.
CAN I ADD TO OR REPLACE MY EXISTING TERM LIFE INSURANCE?
Yes, depending on how your needs have changed and other factors, you may need to reconfigure your life insurance plan. The first step is to fill out our FREE instant life insurance quotes form. After that we can answer questions and formulate a strategy to replace or add to your existing life insurance if it is determined to be necessary.
AM I INSURABLE?
There really is only one way to find out!
Complete our FREE instant life insurance quotes form today and begin comparing the best rates in minutes.