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Term Life Insurance No Medical Exam No Problem

Life has a funny way of making us feel more and more concerned about the safety and well-being of our family as we age. The thought of leaving our loved ones with little or no support after we are gone is daunting. You know you need life insurance, and you’ve known for a while, but for some reason you haven’t taken the leap. I’m going to let you in on a little secret if you’ve been putting off getting term life insurance. No medical exam requirement policies are available in many cases at the $250,000 to $500,000 level. In fact, all you have to do in many cases is complete a short questionnaire and start the underwriting process.

One of the things many people struggle with is figuring out how much coverage they need. There is a simply way to get a good ballpark number, but I urge you to not let this hold you up. If you have a hard time settling on a number, you can certainly pick some of the standards ($250,000-$500,000). Basically, take your expenses, all of them (including your rent/mortgage, debt payments, car payments, grocery costs, etc.). Now multiply those by the amount of months you expect to need coverage for, (10 years is 120 months). You can then add large items such as college tuition, wedding costs for children, etc. This should give you an idea of the amount of coverage you’ll need on your policy.

Now that you have a number, you have to take action. Don’t get caught up in all the verbiage thrown at you such as “Instant Coverage,” “Flexible Payments,” “Cash Value Available,” etc. While some of these may be enticing, just keep your main concerns in mind. If you are using an online quoting service (and I recommend you do, at least initially), you will end up with a number of policies from different companies to choose from. If nothing else, this gives you a good idea of what the selected coverage, combined with your risk factors, will cost. The next step is really the most important.

If you have gone this far, you need to turn your research into something tangible. It’s time to buy insurance. As I stated in the beginning, there are term life insurance no medical exam policies available. These are policies, typically in the $500,000 and lower range, that don’t require a full medical exam. They simply offer the coverage after qualifying by answering a questionnaire.

So do yourself and your family a huge favor and go to http://www.freetermlifequotes.info to get your term life insurance no medical exam quote today!

Term Life Insurance – No Medical Exam, No Problem!
By Richard A. Gilmore

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