Reader’s Question:

My wife and I are both working full-time and hardly have any time to research a life insurance policy and all the work that goes with it. I want to purchase a policy in Atlanta, Georgia soon but don’t have the time. I have heard of instant life insurance online. Any suggestions?

Aaron

Atlanta, GA

Term life insurance companies have introduced Instant Issue Policies. Realizing that purchasing policies can be a time consuming and frustrating process, Instant Issue Policies can usually approve or deny you within 10 minutes of completing the online applictaion. Most carriers also allow you to secure your policy by paying online with a credit card.

You don’t have to talk to another person, not even an insurance sales person from Atlanta, Georgia. There are generally no medical exams required to put the policy into effect which is appealing to people who just don’t want to go to the trouble of a medical exam.

Given the convenience of Instant Issue Insurance, the trade-off is that coverage levels are generally less at a slightly more costly monthly premium. The insurance company increases the cost because they are willing to underwrite a person without any medical exam.

Tags: instant life insurance, life insurance online, no exam life insurance

Reader’s Question:

I am convinced that there is such thing as no exam life insurance since people are talking about it. How can I avail of it in Colorado SPrings, Colorado?

Vincent

Colorado Springs, CO

Hi Vincent

Indeed, no exam life insurance is talked about because it eliminates the hassle of taking urine and blood samples for the medical exams on life insurance. Actually most no exam life insurance is found online. This goes to say that it can be instant life insurance which you can also easily get from local insurers in Colorado Springs, Colorado. What online insurance companies require of you for no exam life insurance is to fill up forms and ask important questions. You need to disclose relevant data of yourself and your physical condition. You won’t be required to take the exam for validation thus the name no exam life insurance. However, you will have to take the money’s worth because it usually costs higher than life insurance with medical exam.

So if you are healthy, better get a regular term life insurance to save on premiums. The no exam life insurance is basically higher because it assumes the risk of medical conditions that can be otherwise seen should there be a medical requirement. Simply put, no exam life insurance is for those who do not want to undergo the hassle of taking exam when it’s obvious that they have preconditions. Nevertheless, if you are healthy, does not want to undergo the medical requirements and can afford for the high premiums, no exam life insurance is a choice that you can have. It is basically instant and can be purchased online.

Tags: life insurance, life insurance online, no exam life insurance

Reader’s Question:

Are the advices and services of the insurance companies in Detroit, Michigan needed when choosing life insurance? Is it still relevant even with the availability of internet?

Oscar

Detroit, MI

Hello Oscar,

Indeed, in the advent of internet, almost everything can be bought online, even life insurance. With simple click, you can get what you need. For life insurance, you can request quotes and apply online.

However, despite these accessibility and resources for life insurance, it is still advisable to talk to life insurance agents in Detroit, Michigan. First of all, life insurance is a complicated and strange product. It is not a commodity or merchandise. Life insurance can be categorized as a contract between an insurer and the insured. Such contracts can have complications and may need some verifications. Besides, your money and life is at stake with it. Different companies offer different benefits and features to the life insurance. For this reason, it is definitely relevant to talk to life insurance agents who can give you appropriate options. They are the right person to match your capability and needs.

Life insurance agents are also there when there are things that you want to inquire or clarify from the life insurance plans. Also, remember when its time to claim life insurance, you need to know and verify that the company is existent by the people working with it. So again, it is important that you know who you’re dealing with and who to contact in case there are problems. In fact, the advices and services of real people is one important criteria in choosing instant life insurance.

To get away from mere sales talk from sales agents, however, you can get in touch with various sales agents who have wide access to life insurance companies. They can match your needs with products from various life insurance providers.

Tags: life insurance, life insurance online

Reader’s Question:

I have verified the financial stability and the company profile of the life insurance company here in Lexington, Kentucky that I’m currently interested with. I liked their life insurance product and I’m planning to get instant life insurance from their site. Are there other things that I should consider before applying with the company? Would there be anything I shouldn’t be missing if I buy my life insurance online?

Juliet

Lexington-Fayette, KY

Hello Juliet.

You have a good start; investigating the background of the company before buying instant life insurance. Indeed, it pays to know who you’re dealing with when getting instant life insurance.

If you are truly interested in their instant life insurance products and have proven their financial solidity, it also pays to check if the company is licensed in Kentucky. Once the company is licensed in your state, you can get assistance from the state insurance department should you have problems with your instant life insurance from that company. It’s good to have back-up support from the government if things go wrong.

Another thing, check how they deal with claims. You may have the best product and the most stable company in Lexington, Kentucky for your instant life insurance. But when it comes to claims, you have lots of problem. Remember claims for instant life insurance are the ultimate test of efficiency of the product and service of the company. If the insurance company is licensed, you can check on the insurance department’s database for problems on claims. You can also check on other complaints that the company received through the state department. Check for relevant problems. Then you will be able to evaluate if it’s worth getting instant life insurance from such company.

Tags: instant life insurance, life insurance online

Reader’s Question:

I am very worried right now because my term life insurance will expire its term by the last quarter of this year. I would have to renew but I might be asked to take a medical exam for I was diagnosed of diabetes a year back. What can I do? Is there something that will give me lif einsurance coverage with no exam?

Hazel

Atlanta, Georgia

No need to worry too much, Hazel.

You can manage to have a life insurance even with your medical condition. Be aware that there are already a number of insurance companies which offer the ‘no exam life insurance’. It is not only fast to get one, it is also a very good option for people with existing or developed medical conditions like you.

You cannot just let go the thought of having a life insurance just because you are apprehensive of being approved or not. This is the more important time because you are a high risk person which can experience complications from diabetes.

No exam life insurance simply means you will not undergo the tedious and traditional medical exam which most life insurance policies require before giving coverage to prospective policyholders. Most medical exams that you need to go through for life insurance requirements include basic physical exam, with blood and urine sample. This can pose trouble to people who are diabetic, smoker, those who have heart problem, those who are unhealthy, or even those with clinical depression.
You can have three options in obtaining no exam life insurance. You may get them through a work-sponsored benefits plan, regular life insurance without an exam, or term insurance without an exam. Most life insurance companies that have a website will give free quotes online.
Insurance companies that operate exclusively online will offer instant no exam life insurance and will give you fast quotes. To start getting quotes, you can simply enter your zip code on the relevant space in this page.

Happy shopping online!

Reader’s Question:

I have been assigned to research group health on-line. Our company has 20 employees operating in Oklahoma. Am I wasting my time?

Roxy

Tulsa, OK

Hi, Roxy!

Absolutely not! This can be a very, very worthwhile project. You will be amazed with how much information is on the internet. On-line presentations offer a wide variety of health insurance coverage and information. You also have the flexibility to tailor your plan to your company’s needs. The on-line sites are very current and sophisticated.

Select your city and state, check out the options and let the on-line insurance competitive marketplace go to work for your co-workers. Many diverse plans are available, especially if your company already has a group policy. You may also want to look into dental insurance and even eye coverage for providers in Oklahoma. There information is available on-line.

Talk with your company human resource director. Set your standards. Pay special attention to pre-existing condition coverage. Before moving ahead, you may want to arrange personal contact. This can easily be accomplished on-line.

Generally the more information you can provide the better your on-line research and selection will be. Know the total number of employees and the number of insured employees. Understand your budget and your current insurance. Compare deductibles on-line.

My guess is that you will do your homework and soon be wondering why this is the first time you purchased health insurance on-line. Happy hunting!