420LifeInsurance.com presents...
No
Medical Exam
Term Life Insurance
Millions of Americans would like to protect their family with life insurance, but do not want their privacy invaded by blood or urine tests.
If you have a spouse or family dependent on your income, you know you need life insurance, and your spouse knows it too. Now, in about 5 minutes, you can quickly eliminate "nagging spouse" syndrome, and the risk of going without life insurance.
Typically, life insurance companies send someone to your home or place of business to take blood, urine, and your blood pressure. Then they'll send your fluids off to test kidney and liver functioning, blood sugar levels, and even for substances that may indicate illegal drug use, such as THC.
Test positive for something, and this could end up on your permanent record.
If you'd rather apply for health insurance based on your existing medical records and your answers to 10 quick questions, instead of submitting to this kind personal probing, you now have a better choice.
Submit your application and get approved within 48-72 hours. You can fax in your application, or give me a call and I'll be happy to help. My name is Paula Santamaria, and I have helped a lot of people get the coverage they need – without hassle, headache, or in invasion of your personal privacy. All calls are conducted in complete confidentiality, and I will make sure it is fast and easy.
How to Choose a Plan and Apply
Choosing a life insurance plan is simple. First decide how much coverage you want - $50,000, $100,000, $200,000, up to $300,000 in most states ($200,000 limit for those purchasing after age 45). Then decide the "term" of the coverage - 5, 10, 15, 20, or 30 years (20 year term is most popular). What this means is that the coverage will be in force for the entire period of your term, and that your premiums will not go up during the entire time.
Simply answer 10 yes/no questions, provide your basic personal information (name, address, date of birth, etc.), and initial payment information, and fax your application back to us at 866-284-0082. Most cases are approved within 48-72 hours.
Sample rates* for 10 year term are as follows:
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* Note: Rates quoted above for non-smoker residing in Colorado purchasing 10 year term coverage. The maximum coverage available for over age 45 is $200,000.
Answer Just Ten Simple Questions
If you able to answer NO to all ten questions below, the insurance company will automatically request an instant report from the Medical Information Bureau, which will have a record of previous health insurance claims and applications you have submitted.
This is like a credit report from Equifax, but for your medical information, not credit information. If there are no derogatory "codes" or comments on your report (such as claims for major sickness or injury, drug or alcohol rehabilitation, etc), then you are APPROVED INSTANTLY! Unlike most term life policies that can take up to 60 days to get approved, you can apply and secure life insurance in as little as 5 minutes!
Take advantage of your good health, along with the modern technology of instant access to your MIB report, and GET APPROVED WITHIN DAYS! Once you are approved you we will send you a copy of your policy in the mail.
These are the health questions you will be asked:
- Are you a United States citizen or do you have Permanent Resident (Green Card) status?
- Are you currently taking any medication (by prescription or over the counter) or receiving medical or mental health treatment of any kind?
- Has any natural parent or sibling been diagnosed with or died of cancer or heart disease prior to the age of 60?
- Have you, within the past 10 years, been treated by a physician for or been diagnosed as having:
- chest pain, myocardial infarction (heart attack), blockage or narrowing of the arteries, irregular heart beat (arrhythmia), hypertension (high blood pressure), stroke, transient ischemic attack (TIA), thrombosis, aneurysm or any other disorder of the heart or blood vessels?
- diabetes, hyperthyroid, internal cancer or tumor, lymphoma, melanoma, leukemia, hepatitis or other liver disease, pancreatitis, kidney disease, urinary tract disorder or disorder of the breast?
- Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?
- sleep apnea, cystic fibrosis, asthma, emphysema or other treatment for breathing or lung disorders?
- memory loss or dysfunction, seizures, psychological (emotional) or learning disorders?
- multiple sclerosis, rheumatoid arthritis, paralysis, cerebral palsy or connective tissue disorders (lupus or scleroderma)?
- Have you, within the past 5 years:
- been a patient in any hospital, clinic, dependency program, halfway house or other medical facility?
- used controlled substances such as cocaine, heroin, amphetamines, barbiturates or hallucinogens?
- been treated by or been advised by a physician to seek treatment for drug or alcohol use?
- been advised to have any test (except HIV tests), treatment, surgery or hospitalization which has yet to be completed?
- had an application for life or health insurance rated up, postponed, declined or denied reinstatement?
- Have you, within the past 24 months, used any form of tobacco or nicotine product, including cigarettes, cigars, pipes, chewing tobacco, snuff, nicotine patches or nicotine gum?
- Have you, within the past 3 years, engaged in or do you plan to engage in:
- any aviation activity other than as a fare-paying passenger on commercial airlines?
- any form of organized motor racing, scuba diving, hang-gliding, cave exploration, parachuting, mountain, rock or ice climbing, rodeo, bungee jumping or ballooning?
- Have you, within the past 3 years, been convicted of driving while under the influence of alcohol or drugs or had a driver's license suspended or revoked?
- Do you intend to travel, live or work outside the United States or Canada?
- Are you currently on probation or have you, within the past 5 years, been convicted of a felony?
Please note that some states have state specific questions that are slight variations of above. There is also a qualification question about being a U.S. Citizen.
You must weigh below the maximum weight to be eligible for this coverage:
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Call us at (866) 429-5991 for Personal, Confidential Assistance
Questions and Answers
Q: What type of insurance is this?
A: This is Term Life Insurance, the type that many financial experts recommend to provide the highest amount of coverage at the lowest cost. With this plan, your rates are level meaning that they will not go up for the full term of the policy. At the end of that term, you have the option to renew the policy at the rates that apply at that time.
Q: Does this policy require a medical exam?
A: The policy does not require a medical exam, and no one will come test your blood or urine.
Q: Do the Rates Go Up?
A: No. The rates are guaranteed to remain level (or the same) for the original term of the policy.
Q: Can I Change my Beneficiary?
A: The beneficiary is the person who will receive payment if you die, and can be changed at any time.
Q: How will I be billed?
A: The premiums can be charged to your credit card, or directly deducted from your checking account.
Q: Can I cancel?
A: Yes, you can cancel at any time. From the date that you are covered, you have 30-days to review your policy and cancel for a full refund of the premium paid during the first month. You can also call at any time after that to receive instructions about submitting your cancellation request in writing, and there will be no future billing of premium.
Q: When is coverage effective?
A: You are covered as soon are you approved - often within minutes of applying.
Q: What is the Medical Information Bureau?
A: It is a confidential, not-for-profit database used by insurance companies throughout North America. The insurance company uses it to conduct a quick check of the medical information provided on your application to ensure that there is nothing in the database that conflicts with the answers you have provided to us. You can read more here.
Q: I am currently pregnant. What weight should be provided (pre-pregnancy or current)?
A: We request your weight immediately PRIOR to the current pregnancy.
Q: If I am a U.S. citizen that later leaves the country, am I still covered?
A: Yes. As long as you were a U.S. citizen when coverage was elected, you would be covered.
Q: Is this legitimate?
A: Yes, the insurance company is an "A+" rated carrier with over $250 million in policyholder surplus. They are simply more reasonable than other companies and respect the privacy of future prospects that are currently in good health.
Learn more about Term Life Insurance with No Medical Exams:
- Drug Test - Do They Work and Are They Accurate
- Medical Information Bureau
- Life Insurance for Pot Smokers