How to Choose a Plan and Apply for No Medical Exam Life Insurance

Choosing a life insurance plan is simple. First decide how much coverage you want - $25,000 to $500,000 in most states. Then decide the "term" of the coverage - 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 six to eight yes/no questions, provide your basic personal information (name, address, date of birth, etc.), and initial payment information. As long as you can answer no to each of the following questions, your MIB file verifies your answers, and are within acceptable height and weight guidelines, your application will be approved within seconds.

Sample rates* for 10 year term are as follows:

GTL Monthly Rates - Male

Age	$50,000	$100,000	$250,000
35	$12	$14	$27
40	$13	$17	$36
45	$16	$21	$49
50	$22	$32	N/A
55	$31	$52	N/A
60	$43	$74	N/A
65	$61	$109	N/A

GTL Monthly Rates - Female

Age	$50,000	$100,000	$250,000
35	$11	$12	$23
40	$12	$15	$30
45	$14	$17	$38
50	$18	$24	N/A
55	$22	$34	N/A
60	$27	$43	N/A
65	$34	$55	N/A

* 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.

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