Instant Issue
Life Insurance

Get approvals quickly with no exams required.

Cost more than regular underwritten policies.

Ideal for getting coverage in the quickest amount of time.

Instant Issue Term Life Insurance

Instant Issue Life Insurance

If you need Term Life Insurance that is free of the usual annoying processes involving lengthy personal details, medical test and endless weeks of expecting underwriter’s approval; go for the Instant Issue Life Insurance. This life insurance offer eliminates all the stress and delay in the issuance of your chosen coverage.

Sometimes, you don’t have the time to waste, expecting underwriting approval when facing deadlines in business or personal emergencies needing a life insurance policy. When you need life insurance for an urgent business loan deal or to meet a divorce requirement; in such situations, what you need is an instant issue life insurance.

Instant Issue Life Insurance Comparison Chart

 

ISSUE AMOUNT

$50,000 – $400,000

$50,000 – $400,000

$50,000 – $500,000

ISSUE AGE

18 – 80

18 – 80

18 – 50

CONVERTIBLE TO WHOLE LIFE POLICY

Yes, for the first half of the term

Yes

Yes, during years 1 – 5

LIVING BENEFITS

Yes

Yes

No

PRICE: (37-YEAR-OLD MALE, NON-SMOKER, IN CALIFORNIA, FOR $100K IN COVERAGE)

$33.31 per month

$23.28 per month

$24.99 per month

 

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The Procedure For Instant Issue Life Insurance is Fast and Immediate.

It takes a few minutes to go through the process. Select “get a quote” above; treat some short questions, and your coverage quotation will be ready. You can instantly start your application with some health-related questions answered and meet our agent to confirm your policy within minutes. Without any delay, you will know if you are approved and the amount to pay for your policy; settled!

The instant issue term life insurance otherwise called non-medical life insurance is tailored towards healthy people from 18 to 60 years of age. There are instances where young and healthy people get lesser rates compared to fully underwritten policy. The standard coverage period is 10, 15 and 20 years with an amount between $25,000 and $500,000 per coverage.

Being Honest on Your Instant Issue Life Insurance Application

Although no medical test is required, being honest regarding your true medical status is vital to guarantee the validity of your life policy. In the case of death or it is revealed within the period of contestability (usually within 2 years of your policy) that you lied in your answers, it could lead to termination of your policy and any claim rejected. It is therefore imperative, to be honest in your insurer.

The Instant issue (non-medical) life insurance is among the hassle-free policies to get when you need life coverage fast without a medical test.

How it works

You are able to see quotes and submit an application online simply by giving answers to some health questions.

With an individual’s permission, the company retrieves important information regarding you from a variation of sources. For example, it can easily get a hold of what prescription drugs you have taken through examining prescription databases. It will check out your motor vehicle report to find out if you’ve experienced any driving infractions. And it will check information from the MIB Group to figure out if any medical conditions came up after you applied for specific health or life insurance using other companies. Operated by its representative insurance companies, MIB keeps a archive of important information from insurance applications.

You know if you’re accepted as soon as possible after filling out the application.

Basically no one who is actually accepted for insurance coverage by a Coach B. carrier needs to take a medical exam. Individuals with medical issues may possibly have to simply take a medical exam with other companies carriers.