Sentences with phrase «simplified health exam»

For impaired risk life insurance, you may be required to take a simplified health exam.

Not exact matches

Simplified issue life insurance doesn't require a medical exam and accepts a wider range of health problems than fully underwritten coverage.

Simplified issue life insurance doesn't require a medical exam and accepts a wider range of health problems than fully underwritten coverage.

Both simplified issue and guaranteed issue life insurance types of coverage are more expensive than going through the standard underwriting process, which includes a medical exam, with guaranteed issue typically being more expensive than simplified issue since no health questions are required.

Simplified - issue policies don't require a medical exam but do require you to answer certain health - related questions that are considered as part of your application.

In some cases, e.g. for someone who wants a small coverage amount and isn't in tip - top health, you'll actually save a few dollars by avoiding the medical exam and going with simplified term.

Guaranteed issue life insurance takes the concept of simplified issue life insurance — forgoing the health exam — and takes it a step further in that you don't have to answer any questions about your health, either.

That's the «simplified» part of this policy type: known as a «no exam policy», a simplified issue policy gets you life insurance without the health exam.

Because some forms of life insurance use medical underwriting and exams to determine rates, someone in poor health or old age may find that guaranteed issue or simplified issue life insurance offers more affordability.

As a simplified issue, you will be required to answer some health and lifestyle questions but don't require you to undergo a medical exam.

This plan requires no paramedical exam and may be cheaper than going with a simplified issue plan if you have serious health issues.

This is not simplified issue life insurance which does not require a health exam, but does require clients to answer a few health questions to be approved:

Simplified Issue Life Insurance — Simplified issue is an excellent fit for people in good health who wish to avoid a lengthy application process or the need for a medical exam.

«Simplified issue» life insurance doesn't require a medical exam, although you must answer health questions and can be turned down.

Though a simplified issue policy doesn't require an exam of many questions, insurers still have an idea of your health status and insurance history before selling you a policy.

Applicants can skip the medical exam for a health questionnaire, but while the process is a little more lenient than a simplified issue policy, seniors who are in poor health may still get rejected.

Simplified issue life insurance offers life insurance that doesn't require a medical exam, but still requires you to answer health history questions (you can be declined if you don't meet the eligibility criteria).

Just like with simplified issue life insurance, the lack of insight into your health conditions that a medical exam and interview would provide means that you're going to be paying more for coverage.

Guaranteed issue life insurance takes the concept of simplified issue life insurance — forgoing the health exam — and takes it a step further in that you don't have to answer any questions about your health, either.

Liberty Mutual's Simplified Issue product features two rate classes, making it a solid choice for applicants in average or better health, who want fast coverage without a medical exam.

In some cases, e.g. for someone who wants a small coverage amount and isn't in tip - top health, you'll actually save a few dollars by avoiding the medical exam and going with simplified term.

Simplified life insurance doesn't require a medical exam, although you still must complete a health questionnaire and can still be rejected.

Accelerated underwriting policies might require an APS if the insurer still has questions after going to third party sources, and even a simplified issue policy might require a medical exam if you're in especially poor health.

Some other no - medical exam life insurance products, like simplified issue life insurance, add additional costs because they aren't as thorough in judging your health and health history.

This simplified issue policy has no height or weight requirements, no exams, is completed by finishing both an application and tele - interview, and won't be issued with any «Yes» answers to health questions.

Simplified issue life insurance doesn't require a medical exam and accepts a wider range of health problems than fully underwritten coverage.

Be open and honest with your agent about your health situation and let them compare the underwriting guidelines of all the no exam life insurance and simplified issue life insurance carriers.

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.

The reason for this is that if you have a pre-existing condition such as diabetes, depression, previous heart condition, etc, etc... chances are, you're not going to qualify for a simplified issue life insurance policy, at least not at the same health rate class as you would receive had you taken an exam.

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».

Simplified Issue Underwriting: People age 18 to 65 may purchase from $ 50,000 up to $ 399,999 of life insurance coverage with no health exam required.

Simplified issue — While they don't require a medical exam, simplified issue policies ask about health history on the apSimplified issue — While they don't require a medical exam, simplified issue policies ask about health history on the apsimplified issue policies ask about health history on the application.

For example, while a life insurance policy that is simplified issue may not require the applicant to undergo a medical exam, these policies may still ask for health information from the proposed insured.

Simplified Health Underwriting requires NO medical exam and typically medical records are not obtained.

Neither requires a medical exam to qualify, although you must answer health questions to buy simplified whole life.

No Medical Exam / Simplified Issue: Usually there are a few health questions.

This is a form of «no exam life insurance» which offers simplified underwriting for people who are in relatively good health.

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.

This product is a simplified issue which means that the company will require you to answer some health and lifestyle questions but doesn't require you to take a medical exam which is what makes them one of the fastest online life insurance policies out there.

Some might be better off choosing simplified issue life insurance where there are only a few health questions and no exams.

Level Benefit Plans — Otherwise known as «Simplified Issue Life Insurance», the process of assessing your health has been simplified when compared to full life insurance where you receive a medSimplified Issue Life Insurance», the process of assessing your health has been simplified when compared to full life insurance where you receive a medsimplified when compared to full life insurance where you receive a medical 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.

Colonial Penn offers two products without an medical exam; a guarantee acceptance policy with a two year waiting period for natural causes and a simplified issue whole life insurance policy with a few health questions.

United of Omaha offers people ages 45 to 85 up to $ 25,000 of simplified life insurance coverage with no health exam required and no health questions asked.

These policies, the Guaranteed Issue Policy and the No Exam Policy, just ask simplified health questions to determine if you are even eligible.

For those who do not have critical health concerns but still want the convenience of no medical exam and an easy application process, the best option is a simplified issue final expense policy.

Simplified issue policies require that you answer several health questions, and there's no medical exam.

We will typically advise them to apply for a traditional term or whole life insurance policy once they have had a pacemaker installed or possible consider a guaranteed issue or simplified issue life insurance policy which will not require them to take a medical exam or perhaps answer any health - related questions to be approved for coverage.

Simplified - issue plans require you to answer certain health questions, but eliminate the medical exam.

Simplified issue no exam life insurance only requires answer to health questions.