life insurance help Desk

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INSTANT DECISION                  LIFE INSURANCE QUOTES

Start your 3 Step process:

  1. Run a quote for life insurance
  2. Apply by phone
  3. Many policies issued the same day

Start your quote.  We are here if you have any questions.

Protect the ones you love with term life insurance, today.

Sample: Male age 40, $500,000/10 year term costs only $23 a month!
Instant Decision Coverage Amounts by Age

 18 years – 45 years up to $1,000,000 (available with 10, 15 and 20 year term)              46 years – 55 years up to $750,000 (available with 10, 15 and 20 year term)                   56 years – 65 years up to $500,000 (not available for 20 year term with Tobacco use)

* Read the information below to  help you decide which health class to choose.

lincoln financial
banner William Peen

Compare rates & benefits from top life insurance providers with No Obligation  to Buy

Compare rates in Under 60 Seconds! 

WHY INSTANT DECISION NO EXAM TERM LIFE INSURANCE?

Because you can be approved in just a few minutes instead of 4-8 weeks for little or no additional premium cost.  Fill out the quote form and you will receive a quote from one of the only carriers who will grant an instant decision on term insurance.

Unlike the commercials you hear on radio and television for instant life insurance, these policies are not limited to a few thousand dollars for funeral expenses. Rather, these are real term policies with amounts up to 1MM. While there are great advantages  to policies like this, including not having to take an exam, they don't fit every need.

 If you are over age 70, need more than 1MM of insurance or have a health concern that will not pass instant approval please get a custom quote

HOW IS HEALTH UNDERWRITING DONE WITH INSTANT DECISION?

While the concerns of life insurance carriers have remained mostly the same, technology has dramatically changed how underwriting is done. The carriers concern (are you a good risk) still relies on the following questions:

  • Gender
  • Your Height and Weight 
  • Tobacco Use
  • Medications
  • Health Conditions
  • Family History
  • Driving Record / Criminal History /Financial History (BK)
  • Dangerous occupation /leisure activities

However,  obtaining this information can now be done at the speed of light. The underwriter will have a copy of your driving, prescription and credit history in seconds.  Using risk algorithms  rather than exams allow carriers to make faster decisions. This is certainly not always the case. If you are over age 60 or have health issues the the carrier will often request a statement of health from your doctor and this can slow the process considerably.

Nonetheless, even if an APS (Attending Physicians Statement) is requested there is still the advantage of not having to take an exam. The exam, all too often,  turns up issues that negatively affect rates. While want you to be healthy, we think it's best you find out about any health issues at your annual physical not at your life insurance exam.

While the no exam trend is industry wide, most carriers are unwilling to make decisions immediately.  It is for this reason that you may only see one or two carries listed. If this is of concern to you you can get a quote with the full range of carriers here.


WHY CHOOSE THE LIFE INSURANCE HELP DESK?

The Life Insurance Help Desk can't help you get a better deal from any specific carrier, in fact no broker can. The rates are set by the Department of Insurance at the state level. However, an experience broker can help you with which carrier will view you most favorably. This information can save you thousands over the life of a policy.  Additionally, an experienced broker will give you some sage advise, such as don't choose a carrier that saves you $2/ month if it means taking the risk of an exam.  

Lastly, unlike call centers that turn over their staff at astronomical rates, the Life Insurance Help Desk will be here if you need to service your policy. That means address changes, beneficiary changes and even death claims. This is service that is not provided by call centers.

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