Term Life Insurance With No Proof of Health Required

I’ve never seen an offer like this ever!

For anyone who has had trouble qualifying for life insurance in the past, you can now get term life insurance with no proof of health required as long as you are employed and working at least 20 hours per week.

If you have diabetes with complications, severe heart disease, or even if you are extremely overweight and have been declined for life insurance prior, you can qualify for this coverage.  

As long as your age 18 to 69, employed, and working at least 20 hours per week, you can qualify with no proof of health required.  There’s no blood test, no exam, and no height/weight requirement, and this term life insurance will also provide full and immediate coverage for death by any cause (except suicide) right away, so it is not graded benefit coverage.

I just had a 41 year old gentleman who was recently diagnosed with idiopathic cardiomyopathy with an ejection fraction of 35% who qualified for this term coverage.

His recent cardiomyopathy diagnosis with low ejection fraction made him basically uninsurable for any decent life insurance, and graded benefit coverage would have been the only type of coverage for him in the past.

The best graded benefit whole life rate available to him was for $25,000 of coverage and cost $116 per month.  That’s a lot of money for very little insurance.

He was able to qualify for $100,000 of term life for $89 per month.

My client was relieved to find a life insurance policy that would pay out full $100,000 right away to protect his wife, should he die prematurely.  Then, if/when his ejection fraction improves, we’ll try to get him into a policy with a longer duration fixed rate.

You can buy any amount of this term insurance from $10,000 to $170,000.  Coverage is renewable until age 99, but you must apply prior to age 70.

The cost for $100,000 of this term coverage is as follows, and the rates are the same for males, females, smokers, and non-smokers:

From ages 18 to 39: $77 per month
From ages 40 to 49: $89 per month
From ages 50 to 59: $134 per month
From ages 60 to 69: $257 per month

If you purchase the above rates at age 18, for example, then you’ll pay $77 per month until you turn 40.  At age 40 to age 49, your rate will increase to $89 per month.  Then, at age 50, your rate will increase every 10 years to the rates shown above.

This insurance is renewable to age 100, but the rates get very high at the older ages.   For example, the monthly cost for $100,000 from age 70 to 79 is $798 per month.

While this may not be the ideal coverage, it is a solution for anyone that needs life insurance and has had significant trouble qualifying.

This is a “game changer,” as there has never been a product like this in the past available to individuals.  This is great news if you need life insurance and have had trouble getting it before now.

Call or email me if you’d be interested in getting more information or would like to apply.  I’ll look for best rates and products for you first and the above is always an option if you cannot qualify for better product.  You can reach me at 1-800-380-3533 or click here to email me.  Ask for G3.

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