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Most life insurance policies require a medical exam as part of the underwriting process. This can extend the application process, and as a result, delay the start of your coverage. Rapid Decision Term Life offers a term life insurance quote request without a medical exam - just answer a few health questions. This no-hassle, free quote helps you choose the most affordable coverage option! While the actual medical exam itself may not take long (questions about medical history, height/weight, blood pressure, pulse, urine specimen), your life insurance approval will likely meet delays with scheduling the exam appointment and waiting for results. The information from this exam is sent to the insurance company, where they review the results to determine your risk class and calculate the amount of your premiums Benefits of Request a Quote Online By requesting a quote through a provider like Rapid Decision Term Life, proof of positive health is generally shown by answering questions about lifestyle and medical history. Without the requirement of a medical exam, term life insurance is relatively quick to obtain. The online or over-the-phone application process is speedy, requiring some basic questions. The insurance company determines your level of risk by evaluating your answers. Information about habits, general health and whether or not you are a smoker provide the company with adequate information to make a determination about your risk classification. This classification determines your level of premium – better health equals a lower premium. Instant Coverage Request an online quote through Rapid Decision Term Life to receive quick and free information about your life insurance options. If you're qualified and ready to choose a plan, then your policy coverage will generally begin very quickly. Often a 30-day money-back guarantee comes with a policy, so that it gives you time to review your package.
Instant-Term-Life.com is not a life insurance company, broker, or carrier, and we cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. Policies and products may not be available in all states, and product and policy information is subject to change without notice. Please contact your insurance company directly to answer your policy inquiries. Fidelity Life Association is licensed in all states and the District of Columbia, except for WY and NY. Rapid Decision Term Life (Policy Form F3600) and some riders are not available in all states. A two year suicide exclusion and contestability period applies (one year in some states). All applications are subject to underwriting approval. Our NAIC number is 63290. Life insurance without a medical exam may not be available to all customers and we make no guarantees regarding same herein. A medical exam may be requested based upon medical history and other factors. Rapid Decision Term Life is not an insurance broker or carrier. We cannot make changes to existing life policies, nor can we issue policies. Life insurance products and services may not be available in all states. Information regarding life insurance products is subject to frequent change, and while we try to keep our site as up to date as possible, we cannot guarantee the accuracy of information on our site at any given time. |
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