life insurance no medical exam no waiting period

Life insurance With No Medical Exam and No Waiting Period

Traditionally, getting an insurance coverage requires one to undergo a lengthy and tedious underwriting process. This usually consists of an interview and a medical exam. Essentially, the interview is designed to assess your medical history. For this purpose, you might be asked about your previous illnesses, family’s medical history, occupation, lifestyle, vices, driving record, and…
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Life insurance for high net worth

High Net Worth Life Insurance, a Guide for Wealthy Individuals

When you’re a high net worth individual, it’s easy to think that you don’t really need a life insurance because you already have enough money and investments that can secure you financially. Which isn’t always true. By definition, you are a high net worth individual if you have no less than $1 million in investable…
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no medical exam life insurance companies new york

No Exam Life Insurance in New York, What Companies Offer Coverage?

Traditionally, getting a life insurance can be a little bit tiresome and painful, literally. One of the turn-offs in traditional life insurance coverage is the physical exam requirement. This is a tedious process that usually puts people off. Besides, not everyone has the time, courage, and patience to deal with the rigorous medical underwriting procedures.…
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What to Expect When You Apply for Life Insurance

Applying for Life Insurance? We hope your livelihood is all well now, but the truth is a healthy livelihood isn’t guaranteed in the future. The burden of unexpected crises is part of life. You can get sick tomorrow, hurt next week, or pass on unexpectedly next year. Life insurance is something we use to put…
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permanent life insurance

Permanent Life Insurance

Permanent Life Insurance Permanent life insurance is the name for any life insurance policy that is projected to last your entire lifetime, as long as the premiums are paid. Rationally speaking and from a cost-to-benefit comparison, permanent life insurance policies may be more rewarding than term life insurance policies. However, the premiums made for permanent…
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disability insurance

Disability Insurance – Do You Need It?

Disability Insurance The ability to do your job and collect a paycheck is something that should be of the utmost importance to protect, disability insurance can do this for you. Whether you receive disability insurance from your employer or choose to buy a disability insurance policy individually in the private market, the policy will replace…
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life insurance underwriting

Life Insurance Underwriting

Life Insurance Underwriting Life insurance is a business, and like all businesses, they need to make smart decisions in the based on risk and reward. Every time a life insurance provider takes on a new policy, they are embracing the risk that the policyholder may die during the coverage. Rather than leave this chance up…
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