Sentences with phrase «term coverage without»

Yes, there are life insurance plans that offer short term coverage without any medical exam needed.

You can renew your expiring level - term coverage without a health exam but only at incredibly high premiums.

It offers fast and affordable term coverage without an exam.

Not exact matches

While this may sound convenient (have coverage every year without committing to a longer term), if you know that you're likely to want coverage for a greater length of time, you're likely to do better by simply purchasing a policy with a longer term.

Short term life insurance policies, such as those with 1 - year or 5 - year terms, often have the option of being renewable, meaning that at the end of the term you can purchase the same coverage again without a new application process.

It's kind of like being a college athlete, without actually being a college athlete — and believe it or not — a few of these prep schools are actually treated better than some college teams in terms of media coverage.

Since you're insuring liability and contents, the strength of the building in terms of hurricane safety has a direct impact on how much risk you retain without wind coverage on your renters insurance in Florida.

The advantage of convertible term insurance is you can convert all or a portion of your death benefit to permanent coverage without having to prove your insurability, in other words, you don't need to take an exam or answer health questions.

Short term life insurance policies, such as those with 1 - year or 5 - year terms, often have the option of being renewable, meaning that at the end of the term you can purchase the same coverage again without a new application process.

In other words, if you have a term policy and you get sick or injured in a way that would prevent you from being insurable, you can convert to a permanent life insurance policy without taking a medical exam or answering health questions and keep the life insurance coverage the rest of your life.

While this may sound convenient (have coverage every year without committing to a longer term), if you know that you're likely to want coverage for a greater length of time, you're likely to do better by simply purchasing a policy with a longer term.

If you do choose a less expensive term life insurance policy and live past the initial term of the policy, you could find yourself without insurance as well as end up spending a lot more money in order to extend coverage, if that is even an option.

The insurer may not change the terms of coverage or decline to renew without the consent of the insured.

And likewise, the insurer may not change the terms of coverage, decline to renew without the consent of the insured.

Even if you have any complicated health issues, several options are open to you e.g. you can get a life insurance policy without medical exam (low coverage and higher costs) or decide to go with rated standard term life insurance which comes with a bit higher price tag.

If you aren't yet certain that you want term coverage, Voya also offers a wide selection of permanent life insurance policies and you can convert your policy later without having your health reassessed.

The right term life insurance policy will provide excellent coverage at an affordable rate — allowing you to devote more of your funds to savings, investment, or building a business without worrying about your family's financial health, if you would pass away unexpectedly.

American National's signature term only goes up to $ 250,000 of coverage without an exam but you can get an approval within 3 business days, sometimes even same day and the pricing is very competitive.

When the specified term for your life insurance is over, this provision allows you to continue coverage without taking another medical exam to prove your insurability.

Your policy and coverage will continue without interruption, subject to policy terms and conditions.

This (subject to terms and conditions of coverage) means a motor vehicle without liability insurance or a motor vehicle not otherwise in compliance with the state's minimum financial responsibility requirements or other applicable requirements under another state's law.

Additionally, you'll now be able to purchase a less expensive 30 year term life insurance policy that will provide coverage all the way to age 65, without having to break the bank!

Renewable term insurance that offers coverage for one year and allows the policy owner to renew coverage each year without evidence of insurability.

The «hybrid» means you are initially insured without a medical exam for coverage that is one - third traditional term insurance and two - thirds accidental death only.

Convertibility provisions permit the policy owner to exchange a term contract for permanent coverage within a specific time frame without providing additional evidence of insurability.

Unlike basic term life policies without additional benefits, this product includes three types of living benefits through accelerated death benefit riders, and a premium waiver during unemployment.2 These riders offer additional flexibility and coverage for a number of unexpected events.

Instant issue term life insurance with no waiting period is exactly what you need to get the coverage you need now, without dealing with the headaches.

What that means for you is at the end of your term period or age 75, whichever comes first, you will have the options to convert the temporary coverage to a permanent life insurance policy without proof of insurability.

In the case of a 67 year old male, rated Preferred, $ 100,000 in lifetime coverage would cost $ 2,777 / year without the LTC rider, but for only 15 % more, $ 3,261 annual premium, the Long Term Care rider will give all the benefits listed above, as well as a Multi Flex Surrender enhancement endorsement.

Conversion Privilege A provision in a term insurance policy that allows the policyowner, for a stated period of time, to elect to have a new permanent policy issued that will continue the insurance coverage, without needing to provide evidence of insurability.

If you still need coverage after your term life policy expires, your carrier may offer the option to convert it to a permanent life insurance policy — without taking a new medical exam or answering health questions again.

Renewable Term Insurance Term life insurance under which the policyowner has the right, at the end of the term, to continue the coverage for another term at the premium for his or her attained age, without the need to submit evidence of continued insurabilTerm Insurance Term life insurance under which the policyowner has the right, at the end of the term, to continue the coverage for another term at the premium for his or her attained age, without the need to submit evidence of continued insurabilTerm life insurance under which the policyowner has the right, at the end of the term, to continue the coverage for another term at the premium for his or her attained age, without the need to submit evidence of continued insurabilterm, to continue the coverage for another term at the premium for his or her attained age, without the need to submit evidence of continued insurabilterm at the premium for his or her attained age, without the need to submit evidence of continued insurability.

Sage Term Life Insurance: is available in coverage amounts from $ 50,000 up to $ 500,000 without a medical exam.

A renewable term is a clause in a term insurance contract that allows the beneficiary to extend the coverage term for a set period of time without having to requalify for coverage.

For example, a 57 year old woman, rated at Preferred Best needing $ 100,000 in 20 year term coverage would pay $ 421 / year for a traditional term policy without living benefits.

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.

At that point, the policy will either terminate without value or fall under one of the non-forfeiture options (reduced paid - up coverage, extended term coverage, etc.).

For example, a 57 year old woman, rated at Preferred Best looking to purchase $ 100,000 in coverage for a 20 year term pays $ 421 per year for a traditional term policy without living benefits.

10, 20, 30 year term insurance Ages 0 to 50 — $ 250,000 to $ 1,00,000 coverage available without exam Ages 51 to 65 — $ 250,000 to $ 500,000 may require a medical exam

Pacific Life does not put much effort in trying to be a leader in term coverage, and they do make the push to permanent, allowing you to convert this term policy to a universal without any additional underwriting (though your costs will rise, per thousand).

In these situations, term coverage allows you to purchase important death benefit protection without going beyond your budget.

On Quotacy.com you can run a term life insurance quote without entering any personal information and then you can choose to play with the needs analysis tool which allows you to find out how much coverage you need by using those three questions.

These plans may have certain exclusions in terms of coverage, such as acts of war, hostilities, military actions, terrorist acts, nuclear explosions, and other civil commotions, with or without the declaration of war.

Term Life Insurance is a Life Insurance coverage which is provided for a specified period of time without building up cash value and with increasing premiums.

For example, if you needed $ 2,000,000 of term insurance now, because your kids were still young, but in 10 years you only are going to need $ 1,000,000 of protection, you can buy 2 policies that effectively meet your needs without carrying excess coverage and subsequently overpaying for life insurance.

The foremost benefit of life insurance without a medical exam is you can be guaranteed coverage, depending on the insurer's terms, or simply get covered fast.

If the policy is guaranteed renewable, you can extend coverage for an additional term without having to qualify again, though the annual premium will increase because you're older.

A convertible term life policy can allow you to benefit from attractive rates, plus the ability to upgrade the policy to permanent coverage without another medical exam.

But unlike term life insurance, you have the unique options to exchange the policy for traditional permanent coverage without another medical exam, or adjust the death benefit if your needs change.

Because it's so easy to find a good short term car insurance policy, there really is no reason to hit the roads without the proper insurance coverage.