Twenty Series
Instant Life Insurance Is Meant For Those Who Want Insurance With Minimum Hassles
{Instant is the watchword of the present generation – instant food, instant communication with cell phones or instant information on the Internet. In such a world, it was only expected that before long instant life insurance policies will be introduced. This is meant to help people get insurance policies quickly without having to go through a time-consuming application process. One of the many types of instant life insurance available is called instant-issue term life insurance.|Today we are all looking for immediate solution to all our problems and so it is natural that we will be looking for life insurance policies that provide immediate coverage as well. Indeed, in these days of instant food, instant communication one may find it irksome to wait for traditional life insurance policies that take ages to extend the coverage. The underwriters are aware of this; so to hold on to those who hate waiting endlessly, they now have instant life insurance policies to take care of their insurance need.|Speed is the watchword now. We must have everything instantly. Coffee or tea does not need brewing, food items come semi-cooked; communication has become faster; send an email and it reaches its destination instantly. Under this circumstance, it is natural that many will not want to fill up long and detailed forms, appear for medical tests and then wait for weeks to get life coverage. If you too are one of those who want everything to happen instantly, there is good news for you. We now have instant life insurance policies to take care of our insurance needs.
This policy was introduced when it was realized that many Americans in the middle and lower income group did not have any kind of life insurance term life insurance. To remedy this situation, this new policy was introduced to make it simple to get life insurance. Those who do not have the time to spend in an elaborate application process can apply for instant-issue term life insurance and get one approved in an amazing 10 minutes. While this does not mean that everyone will be eligible for this policy, it does mean that the process will be expedited within 24 hours at least.
In a traditional life insurance term life insurance, applicants had to often wait even for 6 weeks to get approval, this new instant-issue policy does not require medical tests and hence is speedier. Instant-issue term life insurance amounts can range from $25,000 upwards to a maximum of 1 million dollars. The number of years like other types of term life insurance can vary in multiples of 5 years for a maximum of 30 years. However, this type of term life insurance like other kinds does have different rates for different categories of people.
Indeed, there is little difference between instant and traditional term life insurance policies except for the price and shorter underwriting process. The policy purchase starts with receiving life insurance quote on line. The coverage is sold for 1/5/10/15/20/25/30 years; the amount can vary from $25,000 to $100000. Then again, the rates can be different for different people. Older people have to pay at a higher rate because they have greater chance of dying while the policy is still in force. Women on the contrary, have to pay less because they generally have longer lifespan.
One factor you must consider is that since the process is instant, the precise calculating process involved is reduced greatly. This could result in the applicant paying higher premiums per month. Also, since insurance companies do not require a complete medical exam to be done, they will automatically consider you are a high risk candidate and will charge higher premiums to protect themselves. The coverage amounts will also be smaller with this type of term life insurance. To protect your interests, ask for several life insurance quotes that will help you make the right choice.
Therefore, it stands that term life insurance no medical policies are convenient, but as every good thing, it also requires you to pay at a higher rate. The purchase procedure is easy:
• Contact your current insurance provider to see if they offer any such policy. Otherwise, search online for carriers offering such a policy. You can also contact life insurance brokers for that.
• Request for quotes from three different sources at least.
• Select one and apply online.
• Wait for twenty-four hours to see if you qualify
Getting multiple quotes is essential; it is the only way you can find the widest coverage at the cheapest rate. As it is, shopping around is a precondition of every successful purchase; there is no reason why it should be different in case of term life insurance no medical. As I have already pointed out, be honest while filling up the forms and give detailed answer to their queries, especially in case of health related questions. Also, be a little cautious about determining the coverage amount or coverage term. Make sure they are adequate for your need.
What will happen if you provide false inputs in the forms? As I have already pointed out, although they do not make you undergo any test, they do not provide the coverage with eyes closed either. They have their own way of verifying facts and if you are caught lying, you will not only be deprived of your coverage, but also of the money, you had already paid as the premium. That is why, do not lie; remember that the insurance companies never ask a question they cannot verify. Be honest and live a protected life instead.
Article by David Livingston of EQuote, who is a specialist in everything life insurance. For more information on insurance term life and online life insurance, visit his site today.
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