Sentences with phrase «exam policies generally»

Not exact matches

Generally, you must be in overall good health to qualify for a no medical exam life insurance policy.

While no medical life insurance can be enticing for any number of reasons (a checkered health history, busy schedules, instant coverage, and anxiety over taking medical exams generally top the list), the higher premiums you'll have to pay in order bypass a routine medical exam can make these policies tough to justify.

For folks currently suffering from Zolleinger - Ellison Syndrome, since traditional term and whole life insurance coverage is generally not an option, we generally recommend that our clients consider buying a final expense whole life policy where there is no health questions or medical exam required.

Guaranteed issue coverage policies generally have a lower face value, but they provide coverage to all applicants without requiring a medical exam or medical history.

As a result, exam policies (called «fully underwritten») are generally less than a no exam policy.

Dollar for dollar, guaranteed issue life insurance policies are generally going to be more expensive than other more traditional types of life insurance that would require you to take a medical exam or answer health - related questions.

It is important to note that policies offering life insurance coverage with no medical exam may generally cost a bit more than medically underwritten policies.

Generally speaking, the fewer questions and exams a policy requires, the lower the overall benefits will be.

There are life insurance policies that let you skip the medical exam, but they generally tout higher premiums, since the insurer has less information about your risk of death.

Generally, no exam policies have a face value of anywhere between $ 5,000 to $ 1,000,000, depending on several factors.

it is generally better to get a life insurance policy with a medical exam because the premiums will be lower

Rather than submit to a medical exam, simplified issue policies will generally just ask a few medical questions to determine the relative health of their applicants.

Cost and Expenses: This type of policy is generally more expensive than a standard health insurance policy that includes a medical exam with rates that may be two to four times greater depending on the answers to the health questions.

Generally, life insurance policies that offer a fast approval times such as a simplified issue policy (no medical exam required) or a guaranteed life insurance policy (no medical exam or health questions required) should be reserved for the «very healthy» or the «very sick».

However, what they don't tell you is that these policies generally cost up to 3 times more than the same type of policy that does require a medical exam.

The typical age cut off that we have encountered for a simplified issue, no medical exam life insurance policy is generally going to fall between the ages of 60 - 65 years of age.

For those who are young and healthy, it is generally better to get a life insurance policy with a medical exam because the premiums will be lower.

If you're healthy, or even have a minor medical problem, you can generally get lower rates by buying an underwritten life insurance policy, which will require more health questions and possibly a life insurance medical exam.

What we can tell you is that you'll probably want to apply for an insurance policy that will require you to take a medical exam since these «types» of life insurance policies are generally easier for someone with significant pre-existing medical conditions to qualify for.

Generally, a fully underwritten life insurance policy with a medical exam is the best strategy.

These are policies that are generally limited to about $ 25,000 in coverage, and will not require an applicant to take a medical exam or answer any medical questions (They will also generally have what is called a Graded Death Benefit, referring to a waiting period prior to full life insurance coverage beginning, typically 2 years).

Should you be declined for a standard policy, there are other types of policies which you may well be able to qualify for such as a «Guaranteed Issue» policy which generally does not require any medical questions or health exam.

Simplified issue policies like Globe's generally cost healthy people more than standard life insurance policies, which often require medical exams and charge rates that factor in health status.

Generally, these types of policies do cost a bit more for the simple reason that the insurer is taking more of a risk to insure you because they do not require you to take a medical exam.

You will find generally 2 categories to take into account, policies that want an exam, and no exam policies.

If you opt for the policy that doesn't require a medical exam, your application process generally still includes providing basic health information and answering a few health - related questions.

The cutoff is different for every company, but generally for policies under $ 50,000 no exam is needed.

There are generally 2 categories to consider, policies that require an exam, and no exam policies.

Generally a simplified physical exam is required to obtain most types of term life policies.

Smaller death benefits between $ 50,000 and $ 100,000 are considered «final expense» policies and are generally available without a medical exam.

Smaller death benefit life insurance policies (generally $ 5000 - $ 25,000) generally don't require a medical exam, and some ask few or no health questions.

Some policies are generally guaranteed issue and do not require a medical exam or health questionnaire.

However, a group plan generally does not require a medical exam or the detailed list of questions needed to qualify for an individual policy.

When applying for a traditional term life insurance policy, if you're working with an agency like ours, you'll generally be given two different options to consider, those that require a medical exam and those that do not.

For this reason, TermLife2Go specializes in policies that do not require medical exams and generally provide approvals within 24 hours, which is why getting affordable life insurance in Alabama has never been easier.

These larger policies will generally require an applicant completing a free in - home / in - office medical exam.

Unlike individual Term Life or Permanent Life, group policies generally don't require a medical exam and may only ask a few health questions.

Generally an applicant who is applying for a simplified issue no exam life insurance policy will need to meet a minimum health requirement and not have any serious pre-existing medical conditions within their medical history.