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Situations Allowing for No-Exam Policies. Several factors can determine whether you're eligible for a no-exam life insurance policy: Age: Younger applicants are more likely to qualify for no-exam ...
Obtaining life insurance can feel like a complicated process, especially if the thought of a medical exam puts you off. The good news is you don’t always need an exam to get covered.
Colonial Penn, which began as an insurance provider through AARP focused on people over 65, [1] now has a marketing campaign that is aimed at people between the age of 50 and 85, specializing in “guaranteed acceptance whole life insurance“ and to help their families cover funeral costs after the individual dies. The company's name comes ...
Renewable term life insurance: Allows you to renew your policy without needing a new medical exam, even if your health has changed. However, the premiums may increase with each renewal, reflecting ...
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
Of course, guaranteed life insurance is not the only option for policy seekers with health complications that make them high-risk for term life insurance providers. The following policy types may ...
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