Sentences with phrase «exam policy because»

If you have not taken a physical exam in 6 months or more and have developed a health condition but again HAVE N'T visited a physician to diagnosis this condition then you should quickly buy a no medical exam policy because there is nothing on paper that says anything is wrong with you.

If you hate needles or have «white coat syndrome» which is also known as a phobia of doctors then you should buy a no medical exam policy because there are ZERO needles involved!

If you do have a health condition and have seen a doctor about it we recommend to not buy a no medical exam policy because even though you will not be taking a medical exam you will be asked a couple health questions and they will look into RX files and see if you have prescriptions and they may even go as far as looking at your medical records and see that you have seen a doctor for that condition.

Not exact matches

Mortgage life insurance quotes are more expensive for healthy homeowners because most policies don't require you to get a medical exam prior to purchase.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.

Because these policies don't require any medical exams and you're instantly approved, the premiums are very high and the death benefit is low.

Putting aside the fact that the Common Core Smarter Balanced Assessment Consortium (SBAC) Test is not a true mastery exam because it does not measure «grade - appropriate skills in reading, writing...,» the actual truth is that there is absolutely no federal or state law, regulation or policy that allows the state or local school district to punish a child (or parent) who opts their children out of the Common Core SBAC exam.

The new law restricting benchmark exams had not affected district policy, Cruz said, because the district already required only two midyear full - length tests.

You will pay much less for a policy requiring an exam because the insurance company is confident in how much of a risk you are to insure.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.

Because of their continued outstanding ratings, we think that Transamerica should always be on the list of first places to look for a no medical exam life insurance policy.

Because just about every insurance policy requires a medical exam (minus a no - exam policy) the agent will your pre-existing conditions.

If you want continued protection, though, a term conversion rider lets you convert a term life insurance policy into a permanent policy without taking another paramedical exam — a welcome adjustment, because taking an exam when you're old enough for your term policy to have expired would likely make the premiums prohibitively expensive.

Because there is no medical exam, the premium that is charged on these types of life insurance policies is typically higher than those that are medically underwritten.

Some clients will even get two policies from different carriers if they need more than 500k of life insurance because you can't beat the benefit of securing term life insurance online rapidly with no medical exam.

Because there is no exam, the policy may cost a bit more that traditional underwritten and fully examined policies, but the entire process is fast and hassle - free — sometimes in less than a week (from the time the application is submitted).

With guaranteed issue life insurance policies, because there is no medical exam or underwriting, insurance companies have no information other than the applicant's age and gender on which to base the premiums.

The AARP's term death benefits are limited, in part, because their policies don't require a medical exam in order to get coverage.

Another issue is that many people who may get lower rates from taking the medical exam often pass because they feel the no exam policy is better.

Personally, I got my policy approved with no exam and online within 10 minutes because I'm a busy person.

Because of that, many people who do not qualify for traditional life insurance due to age or health related issues may still qualify for a no medical exam insurance policy.

This means that there is no blood and urine testing to worry about — and because of the no medical exam process, oftentimes, an applicant who has certain health issues will still be able to qualify for coverage, such as with a guaranteed issue life insurance policy.

However, because life insurance companies are taking an extra risk by not administering your medical exam there are a few limits that come with these policies compared to the traditional life insurance products.

We get a lot of questions about applying for life insurance with no exam, basically because the concept is so new, many people are surprised to find out that this type of policy is actually available.

With a 15 - year term policy, you are eligible for coverage without a medical exam because now more and more carriers are willing to offer a 15 - year term policy without a medical exam.

Because these policies are much smaller than a normal life insurance policy, the company won't require that you take a medical exam nor will they want to obtain your medical records.

In most cases, you must submit to a medical exam in order to purchase a life insurance policy, because the insurance company wants to assess the risks involved with insuring you.

Because the policy is written for a specified value, it is usually easier to get than traditional term policies, and you will not have to undergo a medical exam to qualify for most mortgage life insurance policies.

As mentioned above a no exam policy should be considered primarily because of the convenience factor, the speed of completing the underwriting process faster, and to avoid any surprises from your labs from your medical exam particularly if you haven't been to the doctor in a while.

You should always try for a policy that screens with a medical exam, before one that doesn't because the rate will be lower and if something happens in the first two years that was unpredictable, your life insurance beneficiary will be more likely to be able to collect the death benefit.

Because this is no medical exam required life insurance, it may be somewhat more expensive than policies that do require a physical exam.

Perhaps you were told by a friend or relative that this was the policy for you because you will not have to answer any medical questions or take a medical exam.

Because there are no medical requirements to review with a no medical exam life insurance policy, these plans can often be issued very quickly.

Oftentimes, because the applicants for burial insurance are older — and therefore, are also more prone to adverse health conditions — these policies will trade off the lower amount of death benefit with the ability to qualify for coverage without taking a medical exam.

This is because, due to the fact that there are no medical records to review and no medical exam results to wait for, a guaranteed acceptance life insurance policy can be approved and issued very fast — sometimes even on the same day that you apply for the policy.

Additionally, these policies cost more than policies which require a medical exam because the insurance company has less information and considers you a higher risk to insure.

Because there are no medical exams to review with most burial insurance policies, these may also be a good option for someone who is in need of life insurance quickly.

Because no medical exam policies are going to be more expensive, it's vital that you find the company with the lowest rates.

Unless you're avoiding a traditional policy because you don't want to take the medical exam, then a guarantee issue plan should be the last resort for insurance coverage.

Some policies do not require you to either take an exam or to complete a questionnaire, but these policies frequently cost more because the provider is taking a greater risk to insure you.

As Jeff Rose points out in «Should You Buy No Exam Life Insurance», the reason why a no exam policy costs more is becaExam Life Insurance», the reason why a no exam policy costs more is becaexam policy costs more is because:

Because of the size of the plan, the medical exam is going to be more intense than it would be with a smaller life insurance policy.

Some older life insurance shoppers might look at simplified issue or guaranteed issue life insurance policies, which don't require a medical exam, because they're afraid a traditional life insurance policy will be too expensive.

Throwing in the «almost always» because there are a few no - medical exam life insurance policies out there, but they typically tout lower coverage amounts and higher prices than comparable policies subjected to the full underwriting process.

If you want continued protection, though, a term conversion rider lets you convert a term life insurance policy into a permanent policy without taking another paramedical exam — a welcome adjustment, because taking an exam when you're old enough for your term policy to have expired would likely make the premiums prohibitively expensive.

Because of their continued outstanding ratings, we think that Transamerica should always be on the list of first places to look for a no medical exam life insurance policy.

One of the most common reasons people prefer no exam insurance is because a pre-existing medical condition is keeping them from a traditional policy.

Homeowners will not be able to seek the best prices by shopping around because they will need to purchase this coverage from their mortgage companies, and that is why many going to buying a traditional term policy or non medical exam policy for 30 year period.

Some people don't qualify for term life insurance because of their medical history or current poor health, and they aren't eligible for a group policy that doesn't require medical underwriting (employer life insurance may not require a medical exam, for example).

It is important to know, though, that because not all no exam life insurance policies are the same, it is recommended that you ensure that you are going with the proper type and amount of coverage.