How to Get Life Insurance without Waiting
Do you want to buy life insurance that can start protecting your loved ones today?
If so, you’ve come to the right place.
Today it is quicker and easier to get started with your life insurance coverage.
The technology of the internet and computers has made it much quicker and easier than ever before for a consumer like you to get insured for life insurance.
In fact, now you can get a free price quote, apply online (safe and secure), choose a payment option, pay your first premium and start protecting your family with affordable life insurance in a matter of minutes – if you qualify.
There are quick issue life insurance policies available online for healthy people who qualify for coverage. And, if you’re between the ages of 20 to 65 you may be able to start your plan today.
In the Old Days, it used to take about 6-8 weeks to go through the entire underwriting process to get life insurance. But that’s no longer the case.
It’s a new day for life insurance and if you are healthy you may get life insurance without waiting from a highly-rated insurance carrier offering you an affordable policy to protect the ones you love.
There’s no longer any need to put off the purchase of your policy. It literally takes about 15 minutes to apply for life insurance.
And, if you have questions you can get assistance with online chat from a licensed life insurance representative, call a toll-free number, or email for the answers you need to help you make the right choice for your life insurance.
How Does It Work?
It’s simple. You request a free quote, apply for your policy, get approval in a matter of minutes (if you qualify), select a payment option, make your first month’s premium payment and your life insurance coverage begins immediately.
That means, you may start your coverage today.
How Much Life Insurance Can I Buy without Waiting?
If you want quick issue life insurance that starts in a day or less, you may be able to qualify to purchase up to $1,000,000 of coverage.
Also, keep in mind, you may purchase life insurance from more than one insurer offering no exam coverage.
Do I Have to Take a Physical Examination?
It depends on the type of life insurance policy, the amount of life insurance you need, your age and health, and the requirements of the insurance company.
Many insurers require anyone seeking more than $50,000 of life insurance to take an exam.
However, there are no exam life insurance policies available. And, if you qualify for a no exam policy you may start your insurance right away.
Coverage Starts Immediately with No Limited Death Benefits
Why waste your time with a plan that only provides limited benefits when you can enjoy life insurance coverage that starts instantly with full coverage from day one?
With no waiting period, you can get peace of mind and confidence that your family has the protection they need now, not later.
It’s a smart strategy and comfort knowing if something were to happen, your loves ones are covered completely.
Is There a Waiting Period on Life Insurance?
There is no waiting period with any life insurance except for guaranteed issue life insurance.
However, traditional life insurance has a 2 year contestability period.
It doesn’t mean they won’t pay out a claim. As long as you told the truth on the application the two-year contestability period doesn’t matter.
However, if you lied on the application for life insurance coverage, and you died as a result of a health problem you did not disclose to the insurance company when you filled out the application, and the insurer finds out and it is a material misrepresentation, meaning the insurance company would have declined you for coverage, then there will be no payout on your life insurance policy for death resulting from the undisclosed health problem.
Top Pick – Haven Life Insurance Agency
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Life Insurance without a 2 Year Waiting Period
Life Insurance that Starts Immediately
Life Insurance without Waiting
Disclosure: Compensated Affiliate