I was hoping I could get an instant cheap no exam life insurance policy online. What are the benefits and is it possible?

Harold

Thank you for asking Harold.

Yes, it is possible. It’s fast, easy and cheaper for almost everyone to get term life insurance online without taking a medical exam. There’s a few insurance providers that offer instant approval life insurance if you qualify. You can fill up application form online in about 5 minutes and find out if you qualify instantly. That’s correct. There’s more paperwork and medical exams. You dont have to talk to pushy agents anymore and no more delays of between four to six weeks to get your life insurance policy.

You can not acquire cheap life insurance online instantly and print your life insurance policy instantly after you pay your first life insurance premium online. You can actually obtain life insurance coverage “In Force” immediately, if you are qualified. However, not everyone qualifies for coverage. Generally, you do have to be in good health however, even if you’re taking medication, or may not qualify with other life insurance providers – you might qualify for a cheap no exam instant life insurance.

Goodluck!

MariCAR

I just want to know if getting instant life insurance online is cheaper than getting it at the office?

Jennifer

Thank you for asking Jennifer.

Yes, it is possible to get an instant life insurance online that is cheaper than you may find at your local insurance agents office. However, you need to remember that every life insurance provider’s rates are governed by law, so insurance rates will generally be the same online, as well as offline. If you do find a big insurance rate difference, your red flags should go up. Make sure to check them out first before buying any type of insurance policy.

What you should look for in an instant life insurance quote can be summed up in one word: thoroughness. Most people look for instant life insurance quotes online (which is the quickest way), which means you’re not going to talk with a live insurance agent until the quote process is complete. Theerefore, if you want the most accurate quote possible and an accurate instant life insurance quote you should provide tons of information for this insurance company.

Goodluck!

MariCAR

What information will affect my instant life insurance quote online? What information will be asked on the application?

Amanda

Thank you for asking Amanda.

If you are planning to buy instant life insurance quote online, it will be based on the amount of coverage you need, amount of time you want the coverage, and how often you intend to pay your life insurance premiums (monthly, quarterly, semi-annually, or annually). Also, your quote will be affected by your rating class (Standard, Standard Plus, Preferred, or Preferred Plus). Your rating class is determined by your risk factor but don’t worry if you do not know your rating class; the website you are using to find for your instant life insurance quote should give information or some kind of tool to help you figure it out.

The information you’ll be asked for when searching or applying for an instant life insurance quote online is personal information such as your age, gender, weight, height, tobacco use, and your state of residence (the database needs to find life insurance policies available to people in your state).

Goodluck!

MariCAR