While finding life insurance without a medical exam has traditionally been difficult to do, Docktor’s Insurance’s new policies are readily available, budget-friendly and exceptionally convenient
Miami, FL (PRWEB) July 16, 2015
Docktor’s Insurance, a life and health insurance agency that features fast application processing and high approval rates, is pleased to announce that they are now offering no medical exam life insurance policies from some of the top insurance companies in the United States.
As a spokesperson for DocktorsInsurance.com explained, these new policies are ideal for people who want to get life insurance, but have put it off because they don’t have time to schedule an often-time consuming physical exam. While finding life insurance without a medical exam has traditionally been difficult to do, Docktor’s Insurance’s new policies are readily available, budget-friendly and exceptionally convenient.
For example, noted the spokesperson for Docktor’s Insurance, Sagicor Life Insurance offers two types of plans that do not require a medical exam. The coverage amounts available are $50,000 to $400,000 for individuals ages 18 to 65 and in good health. As a bonus, both of them can be applied for over the phone, which makes them ideal for busy people. The Sage Term policy offers three term lengths of 10, 15 and 20 years. The Sage No Lapse Universal Life policy is a less expensive alternative to whole life insurance, and is meant to protect peoples’ families for the rest of their lifetime up to age 120. Sagicor Life Insurance is an "A" rated carrier and is one of the highest recommended products because of their fast underwriting and high approval rates.
Senior Life Insurance or Final Expense Insurance is also highly popular due to the no medical exam requirement and lenient underwriting. Mutual of Omaha offers the Living Promise whole life policy for healthy seniors up to age 80 and coverage amounts up to $40,000. If people meet their guidelines, they offer the best pricing. Gerber life insurance offers guaranteed issue final expense insurance for seniors up to age 80. This is the most lenient underwriter and individuals with severe medical conditions are approved. Their whole life policy offers a maximum coverage amount of $25,000.
Other major companies that offer no medical exam life insurance policies include American National, Assurity Life Insurance Company, Fidelity Life and Principal Financial Group. To learn more info about the specifics of each company and policy, people may visit the Docktor’s Insurance website at any time. To learn more info about the specifics of each company and policy, people may visit the Docktor’s Insurance website at any time.
As the company spokesperson noted, when applying for a no medical exam life insurance policy, it is very important to answer all of the questions as honestly as possible. Even though the policies do not require a physical exam, the companies will still look at the person’s medical history. They will also pull the applicant’s motor vehicle report to check on his or her driving habits, as well as a pharmacy report to see what prescription medications are being taken on a regular basis.
About Docktor’s Insurance:
Docktor's Insurance is a Life and Health Insurance Agency that represents over 50 companies nationwide. Docktor's Insurance facilities fast application processing and high approval rates with our no exam products. Speak with our licensed agents to select the best Life or Health Insurance policy and get approved today. For more information, please visit http://www.docktorsinsurance.com/ or call 888-773-1181