Sentences with phrase «issue term life»

There is something to be said for a simplified - issue term life insurance policy, without the need for a medical exam; just a few health questions, no tests, no waiting periods.

Available for ages 18 — 65 for face amounts starting at $ 25,000 to $ 500,000 for simplified issue term life, $ 25,000 — $ 500,000 simplified issue universal life and $ 25,000 to $ 250,000 simplified issue whole life insurance.

With all these stipulations and limitations, it's far safer to talk to a professional before even applying for guaranteed issue term life insurance.

For members between the ages of 50 and 74, simplified issue term life insurance is available and this is a short - term option where it will last for a certain amount of years before expiring.

By making this product available only to the healthier clientele they simplify the issuing process, in fact some call this simplified issue term life.

Unlike simplified issue term life insurance which offers pure death benefit only, a simplified universal life (UL) policy will provide the policyholder with both death benefit protection, as well as a cash value component.

Though Sagicor's simplified issue term life insurance rates aren't the absolute cheapest, they do offer lower premiums than many of the top insurers.

MetLife offers no medical exam term life insurance, also called simplified issue term life insurance, for those that want coverage but... Read More

Simplified Issue Term Life Insurance — These plans offer people age 65 and under up to $ 500,000 of term life coverage with no exam, but there are some health questions to answer.

Life Insurance Products: Term Life Insurance, Instant Issue Term Life Insurance (No medical exam), Easy Choice Term (No medical exam), Youth Plus Term life insurance, Universal Life Insurance, Point - of - Sale Guaranteed Increasing Whole Life Insurance (No medical exam), Youth Whole Life Insurance, Level Whole Life, Increasing Whole Life, Easy Choice Whole Life (No medical exam), Workplace Life - Group Life -(Term and Whole Life) and Disability Insurance and Annuities.

Side note: We do not offer guaranteed issue term life insurance.

The NCE product is a guaranteed issue term life insurance policy and is fairly unique in the life insurance marketplace.

Health problems will be the biggest reason behind this, and also this is why guaranteed issue term life insurance — the type that will require no medical exam — has evolved.

Simplified - issue term life insurance policies can be bought in increments ranging from $ 5,000 to $ 100,000 or more of coverage.

These are quick issue term life insurance policies that offer the applicant the ability to apply for coverage online and start their life insurance protection the very same day, if qualified based on the questions asked on the application.

Simplified - issue term life insurance has a very simple premise: no medical exam and an application with few questions that's quick and easy to answer.

A breakdown of the types of no exam life insurance: simplified issue term life insurance, level death benefit whole life, simplified issue universal life, guaranteed issue policies, rapid decision senior whole life, and graded benefit whole life insurance policies.

If you have a medical condition that prevents you from finding whole life insurance, you might look into a guaranteed issue term life insurance, also known as «quick issue» or «simplified issue.»

They offer fully underwritten products together with Simplified Issue Term Life, Whole Life and Universal Life policies.

When shopping for simplified issue term life insurance, you should make make sure that a policy is described as «level term» or as having «guaranteed level premiums» for the term length.

However, if you have pre-existing conditions that would preclude you from passing a medical exam or need coverage very quickly, simplified issue term life insurance is a handy and affordable alternative.

MetLife offers a Simplified Issue Term Life Insurance and also a Level Term Life Insurance policy, making it even more uncomplicated for their customers.

A simplified - issue term life insurance policy with living benefits designed to protect the future of loved ones and plan for the unexpected.

All simplified issue term life insurance will need a health questionnaire.

Most buyers of simplified issue term life policies will be better off with New York Life because of its lower prices for nonsmokers, and smokers at some ages, and because it garners many fewer complaints than Globe, compared with its market share.

• Simplified Issue Term Life Insurance • Simplified Issue Universal Life (UL) • Graded Benefit Whole Life • Rapid Decision Senior Whole Life • Level Death Benefit Whole Life • Guaranteed Issue or «GI» policies

Major insurance providers, such as MetLife, TransAmerica, and Amica, offer simplified - issue term life insurance policies on the web or by telephone, and Prudential offers some life insurance policies at many banks.

As you already learned, a guaranteed life insurance policy is a no medical issue life insurance policy and you are guaranteed coverage and a guaranteed issue term life insurance policy is the same thing except the difference is that a term life policy will only allow you to stay covered for a short and specified period of time rather than being covered for your entire life.

There is, however, a growing trend: generally known as instant - issue term life insurance that you can purchase and does not require a medical exam.

Perhaps one of several key indicators for the innovation standards of Americo is its manufacturer product line of simplified issue term life insurance.

Most simplified - issue term life policies can be purchased in face amounts ranging from $ 5,000 to $ 100,000 or more.

If you can't qualify for traditional term life for health reasons, get quotes for «simplified issue term life,» which doesn't require a medical exam.

For more information about the features and benefits of Simplified - Issue Term Life Insurance, call Doug Mitchell at [phone] during normal business hours.

Both Globe and New York Life sell simplified issue term life policies in five - year increments, with prices going up as you reach the next age band.

Both Globe Life and New York Life price their simplified issue term life insurance in five - year increments, with prices rising as you reach the next age band.

Question 1: I'm getting conflicting messages about the underwriting standards for simplified issue term life and simplified issue whole life.

New York Life's simplified issue term life insurance policies are cheaper than Globe's for nonsmokers and, at some ages, smokers too.

Simplified Issue Term Life Insurance is similar to No Medical Exam Life Insurance.

Question 4: If there are any significant differences among underwritings of simplified issue term life, simplified issue whole life, and guaranteed universal (simplified or not), how would I know as an agent where to make the cutoff decisions for putting them in one or the other?

These are called no exam life insurance policies, or simplified issue term life insurance.

New York Life caps its simplified issue term life coverage at $ 150,000.

However, there is a life insurance company that offers you Instant Issue term life insurance with no medical exam required, just answer a few health questions.

There are several types of clients where an instant issue term life insurance policy makes sense.

They will issue term life insurance coverage from $ 50,000 — $ 250,000 up to age 65 with no exam.

With a simplified issue term life insurance policy, an applicant answers a few medical questions but there is no medical exam.

Simplified issue term life insurance is term life insurance without an exam.

While MetLife used to offer a wider variety of life insurance products, they now only offer simplified issue term life insurance to individuals.

WINDSOR, Conn., January 6, 2015 — Vantis Life Insurance Company today announced that its simplified issue term life insurance product, known as «Super EZ,» will see a handful of changes that make it easier to sell — and buy.

American Amicable Life also offers simplified issue term life insurance.

Another option is a guaranteed issue term life insurance policy.