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The best senior citizen life insurance currently is “No Medical Exam Life Insurance”.You simply answer some questions online or via a phone call and, if you qualify, you can get a policy without having to take a medical exam. These no medical life insurance policies can be issued quickly, sometimes within 24 hours.
People can get free quotes on these plans. If you want to move forward with no medical exam policy. you would need to have available your doctor’s name, address, the reason for the last visit, list of any medications being taken, and any other pertinent information regarding your health.)
The No Exam Plan from Fidelity Life is called Rapid Decision Term. You can get up to $300,000 coverage. With this plan, you have a 10 or 15-minute conversation with a licensed agent and after that, you could have a policy issued in as soon as 24 hours.
Guarantee Life Insurance offers a Simple Term. There is no exam to take. You can get up to $250,0000 if you have taken out a mortgage within the last 2 years or up to $100,000 for most everyone else.
Insurance policy that you keep your entire life and does not expire is normally called Permanent Life Insurance. It is usually, but not always, more expensive than term.
Senior Whole Life Insurance is mostly used choice in United States. Whole life insurance has been very popular for many decades. The whole term is something you see a lot of advertising on the Internet but it is really an oxymoron because you either get whole life or term. They are 2 different products.
Some of the permanent plans are very flexible. With guaranteed universal life insurance and Equity Indexed Universal Life you can raise or lower the insurance amount, you can vary your premium payments or stop them completely when there is enough cash value in the policy. The attractive thing about these plans is that they can be designed to give you some serious cashback when you reach retirement age.
We have the capability to offer US senior citizen instant life insurance quotes for these types of plans because they are entirely flexible and made for your specific situation. If you are interested in these types of senior life insurance policies one of our licensed agents can design a plan especially for you, some of the major reasons people have insurance plan are income replacement for family protection and security, business continuation plans, buy-sell agreements, insurance, second-to-die plans for estate conservation, and final expense plans.
We have been helping families with their insurance needs since 1983.
MLife Insurance is a life insurance agency licensed to sell insurance in most of the U.S. states including DC. MLife Insurance doesn’t approve any insurance that shows up on our site. Insurance quotes showing up on this site are non-official. While we have put forth a valiant effort to guarantee all rates demonstrated are exact but a human mistake is possible.
Not all products are accessible in all states. Product qualification for every bearer shifts depending on the accompanying elements: health condition of the applicant, age, and underwriting limitations. All plans with no waiting period require an applicant to be medically fit by insuring company. All insurance policies with guarantee acceptance that have no waiting period will be dependent upon the insurer’s plan before death benefits are available for the insured.