How to Get Instant Life Insurance Approval Policies
Are You Looking to Buy Life Insurance with Instant Approval?
If so, it may be easier than you expected to get the life insurance coverage you need.
In fact, you can request a free price quote for your insurance, apply online (safe and secure) in about 15 minutes, and find out in less than an hour if you qualify.
And, once approved, you can make your first month’s premiums payment and start your life insurance protection immediately. It’s safe, simple, and affordable.
How Does Instant Approval Life Insurance Work?
The process is very straightforward.
The entire process can be as short as 30 minutes, or up to 24 hours, usually.
Imagine, protecting the future for your loved ones by the end of today, instead of the traditional approach to buying life insurance which used to take up to 4-6 weeks.
It just doesn’t get any quicker or easier. So, what are you waiting for?
How Long Does It Take to Get Insured?
If you are looking for instant coverage you may be wondering how long it actually takes to start your policy.
Well, it really depends on the insurance company you use, and your health.
If you’re in good health and the insurer can verify that quickly, you may be able to start your policy in as little as 30 minutes or less. However, some insurers take up to 24 hours.
Who Qualifies for Instant Coverage?
This will vary by insurance company guidelines; however, in most cases, anyone who is healthy and between the ages of 20 to 60 years old may qualify for instant approval plans.
How Much Instant Life Insurance Can I Buy?
The maximum amount of life insurance available with instant approval does vary by insurer.
Some carriers offer from $250,000 up to $1,000,000 of instant coverage, but one highly-rated carrier offers up to $2,000,000 of same-day coverage.
How Much Does Instant Life Insurance Cost?
Each life insurer has their own rating guidelines based on your age, gender, health and other personal risk factors. They apply that rate to the amount of life insurance you need – the rate is per $1,000 of life insurance.
What If I Change My Mind?
That’s not a problem. Each life insurance policy comes with a Free Look Period, which is basically a No Risk Guarantee. If you decide you don’t want your policy you have 15 or more days to return your policy for a full refund of all premiums you have paid.
The Free Look Period varies by insurance company and is based on the state in which you live. Each state has their own minimum requirement of days for a Free Look on life insurance.
What Type of Life Insurance Has Instant Approval?
Life insurance with instant acceptance is almost always a term life insurance policy. At this time, there does not appear to be any instant issue plans available offering whole life protection.
However, some carriers offer guaranteed issue whole life insurance which you may be able to start in as little as a day or two.
How Long Can Will My Life Insurance Last?
With term life plans you select a policy "Term" (duration) of coverage. Instant coverage term policies may offer a policy duration of 10, 15, 20 or 30 years.
Which Insurance Companies Offer Instant Approval?
There are several highly-rated life insurance carriers now offering instant issue plans, including Haven Life, Sagicor, Minnesota Life, Fidelity Life, and Assurity, among others.
Which Insurer Offers the Most Instant Coverage?
Haven Life offers qualified applicants up to $2,000,000 of instant approval life insurance coverage.
Benefits of Instant Approval Life Insurance
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Disclosure: Compensated Affiliate