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| Speak with a Term Life Specialist! 1.866.515.1152 |
Life Insurance is traditionally offered in conjunction with a Medical Exam to give the Insurance Company a better idea of your current health status. Most companies will take your Height/Weight, Blood Pressure and a Blood and Urine sample. With Non Medical Term Life Insurance you are approved for Life Insurance based on the answers of just a few qualifying questions and a physical exam is not required. The insurance carrier will instead look at your answers to a few health questions, your Driving Record, Medical Information Bureau Report and a Prescription drug database to qualify you for your insurance. What is the difference between NonMedTermLife.com and other websites that offer Term Life Insurance? At NonMedTermLife.com, we give you the option to purchase Non Medical Term Life Insurance online or over the phone through a Term Life Specialist. Our online partner is RBC Insurance based in Greenville, South Carolina. By speaking with a Term Life Specialist, you may be able to save money off of your premium each month and still have your Non Medical Life Insurance policy approved the same day and still with no medical exam. If you would like to speak with a friendly Term Life Specialist, call us toll free at 1.866.515.1152. Does NonMedTermLife.com offer Whole Life Insurance? We do offer Non Medical Whole Life (permanent) Insurance through our Licensed Agents. If you would like to speak with a Licensed Agent for a free no obligation quote, call us toll free at 1.866.515.1152. What is the process of buying Life Insurance from NonMedTermLife.com? At NonMedTermLife.com you can purchase Life Insurance on your terms in one of three ways: 1. The easiest way to purchase No Exam Term Life Insurance is clicking the online link for RBC Express Term Life Insurance. This process is as easy as entering your basic information, receiving your quote, and then applying for your desired coverage. The process only takes a few minutes and most customers will have an approval for coverage within 15 minutes. 2. If you would like to save a few dollars a month on No Exam Term Life Insurance, please speak with one of our friendly non medical life insurance specialists to receive your quote and complete the application, all right over the phone! 3. If you need more than $250,000 of Term Life Insurance, we can shop it out from over 100 different life insurance companies, although this option will most likely require a mini medical exam. Click here or call to speak with one of our Term Life Insurance Specialists today for a competitive quote at 1.866.515.1152. Will I need to speak with a Licensed Agent to apply for Non Medical Term Life Insurance? The choice is yours! If you want to purchase No Exam Term Life Insurance entirely online without speaking with an agent, you can. We also give you the option to save money on your premium by speaking with a Licensed Agent. The licensed agent will review your requirements with you and place you with the most competitively priced life insurance company, still no life insurance exam required. Will I need to take a Medical Exam? No Medical Exam is required for our No Exam Term Life Insurance products offered through RBC Insurance, Fidelity Life Association or Assurity Life Insurance. Is there an age limit for Non Medical Term Life Insurance? There are age limits for our Non Medical Term Life Insurance. Generally, most companies will write Non Medical Term Life Insurance through age 65. Click here for specific product information or contact one of our Term Life Insurance specialists at 1.866.515.1152. What kind of Policy Rider options do I have for Non Medical Term Life Insurance? There are several Policy Riders that can be added to your No Exam Term Life Insurance products for an additional charge. The choices are outlined below: Return of Premium (ROP) – The ROP Rider refunds all the premiums that you paid through the term of the policy once the Term is up. When the Term of the policy is up, the insurance company will simply cut you a tax-free check back for all monies paid to the company. Accidental Death – With the accidental death rider, the policy will pay an additional sum of money if you die in an accidental manner. Some examples of this include car accidents, accidental drowning or plane crashes. Consult your specific policy for limitations of this rider. Child Rider – A child rider provides Life Insurance on all of your children for one low price. Can I get all my money back when my Term Life Insurance is up? With the purchase of the Return of Premium rider, you will receive all of your insurance premiums back once your Term has ended. When your term has ended, your insurance carrier will simply cut you a tax-free check back for all premiums paid. How long will it take for my coverage to go into effect? With our online option, your No Exam Term Life Insurance will go in effect in as little as a few minutes. If you purchase No Exam Term Life insurance through an agent, your insurance will go into effect in as little as a few minutes to 24 hours depending on the company. In rare cases, some policies may take more than 24 hours. Will my premiums and benefit be locked in for the duration of the policy? Once you are issued your no exam Term Life Insurance policy, your rate and benefit amount are locked in and guaranteed until the Term has expired. What are my payment options for paying for my Life Insurance Policy? Payment options vary by carrier however RBC Life Insurance and Fidelity Life both offer you the choice to pay by credit card, a monthly bank draft from your checking account, or the option to mail in a check if you pay quarterly, semi-annual or annually. Again, the choice is yours. How long does it take to receive a copy of my policy? If you purchase your policy online through RBC Insurance, you can print your policy online within minutes. Fidelity Life and Assurity Life policies will generally arrive to your home within two weeks of purchasing your Life Insurance. Can I receive a duplicate copy of my Life Insurance Policy? If for any reason you need a duplicate copy of your Life Insurance Policy, you can contact us and we will forward the request to your Life Insurance carrier, or you can contact the carrier directly for the request. Contact us: Contact your insurance carrier: How do I know that my Life Insurance company will be there for my family if something happens to me? When purchasing Life Insurance, you need to look at the Insurance Companies ratings to determine the financial strength. The most common ratings are issued by A.M. Best, an independent financial ratings company. Our Non Medical Term Life Insurance carriers are rated as follows: Assurity Life Insurance Company: A- (Excellent) How do I file a Life Insurance claim? To file an insurance claim, please contact us so that we may assist you at 866-515-1152, or you may contact your insurance company directly. How can I change my address, beneficiary or name on my Life Insurance policy? Most after-issue changes can be handled by contacting our office at 866-515-1152 where you will be directed to the correct contact for your needs. |
Crossland Financial & Insurance Solutions | 318 Indian Trace #405 | Weston, FL 33326 | 1.866.515.1152 |
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Solicitations for Life Insurance are made by Crossland Financial & Insurance Solutions or its principal agent, Bonnie A. Wheat or her designee. Crossland Financial & Insurance Solutions California License number is 0G61078. Bonnie Wheat is licensed in 18 states, including her resident state of California. Bonnie Wheat's California license number is 0G37365, Minnesota number 40140824, and Texas number 15440440. Insurance is only offered in states where licensed and appointed. Click here
for list of a licensed states. |