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Instant Issue Term Life Insurance (No Medical Exam)

Instant issue term life insurance (no medical exam), also known as guaranteed issue or simplified life insurance, is an insurance product that combines the speed of the Internet with the advantages of a typical term life insurance policy. No medical exam is required for one to qualify for this type of insurance, and the application process is quick—usually comprising of a simple online form with a few questions.

Why Purchase Instant Issue Term Life Insurance (No Medical Exam)?

This type of insurance is an excellent alternative for people who have some health problems or who may be older and therefore would not qualify for regular term life insurance. No medical exam, blood tests, or other tests are required for this type of insurance. Even for those who are in good health and just want to obtain life insurance quickly and without the hassle of getting a medical exam, the instant issue term life insurance is a good option.

Where to Begin with Instant Issue Term Life Insurance

Policyholders have the option of obtaining anywhere between a one-30 year term life insurance policy. Ten-fifteen minutes is all that is required of the policyholder to fill out an online form and answer a few short health questions. The life insurance policy can go into effect that very same day. As with any insurance policy, coverage remains in effect as long as premiums are paid when due.