• Transamerica
  • Sagicor
  • Assurity
  • American General
  • Protective
  • Nationwide
  • Mutual of Omaha
  • Voya

Welcome!

I have one major goal: FInd the perfect solution for your Life Insurance needs. As a life insurance consultant I can provide a customized solution to fit your current financial plans.

My Life Insurance Products Include:

Term and Whole Life products. No Medical exam , High Risk and Hard to Place life insurance products.

Medicare Plans: Supplement Plans by AFLAC and Anthem ( Were Available)

You need expert advise and you are in the right place. I am a FULL SERVICE, because you make one call to me and I will handle everything.

Call me today: 512-963-5000

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No Medical Exam Life Insurance Quotes

By Tom Poblano  -There are a few situations that , I feel, are good reasons to consider No Medical Exam Life Insurance Quotes.

1. If you need immediate coverage and you cannot wait the 4-6 Weeks needed for a fully underwritten policy.

2. Your young and healthy

3. You hate medical exams – needles etc.

Immediate Coverage:

Some people need to have a policy immediately in place. I find this to be the case for those that are applying for loans. Loans may be mortgage or SBA Loans and the lender may require you to have a Term Life Policy in place prior to funding the loan.

Young and Healthy:

Rates for young people can be very affordable. Immediate coverage and no medical exams are some of the reasons that young people may want to consider a No Medical Exam Life Insurance.

Hate Medical Exams:

If you know you are healthy and simply don’t want to take an exam, the No Medical exam is a product that is perfect for you. The insurance companies will ask you questions on the application and  you should be able to answer No to the various questions. ( I review all questions prior to applying). The carrier will check the MIB ( Medical Information Base), Pharmacy Check along with a Driver history check.

Here is a typical list of questions:

Customer must answer “NO” to these questions. ( You must be a legal US Resident and have resided in the US for more than 2 years and you must have a valid US issued Drivers License)

❍ Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or
ARC (AIDS Related Complex) or tested positive for HIV (Human Immunodeficiency
Virus)?

❍ Are you waiting for a diagnosis or have you been advised to have a surgical operation,
diagnostic test or medical or mental evaluation that has not yet been completed?
❍ Have you requested or received any Worker’s Compensation or Social Security disability
benefits?

❍ Do you currently take more than 2 prescription medications for pain; or do you
consume, on average, more than 3 alcoholic beverages per day?

❍ In the past 10 years, have you received any treatment, medical advice or consultation
for; been diagnosed with or required follow-up for: diabetes or elevated blood sugar;
cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient
ischemic attack (TIA or mini-stroke); emphysema; chronic bronchitis or chronic lung
disease; major depression or anxiety that required psychiatric treatment; bipolar
disease or mood disorder; schizophrenia, Alzheimer’s disease, dementia, lupus, rheumatoid
arthritis, multiple sclerosis, paralysis; any degenerative muscle or nerve disease or disorder; alcohol or
drug abuse; OR any disease or disorder of the following:  heart, aorta, coronary
arteries, peripheral vascular system, blood, liver pancreas, kidney (other than kidney
stones), brain or connective tissue?

❍ In the past 2 years, have you been hospitalized or evaluated in an emergency room or
immediate care center for a chronic illness requiring ongoing treatment or care by a
physician; OR have you participated in any hazardous activities or extreme sports?

❍ Have you, within the past 5 years, been convicted of or pled guilty or no contest to a
felony, misdemeanor, reckless driving, DUI or DWI; or been incarcerated or served in a
probation or parole program or do you have criminal charges pending

Give me a call today , we work with several carriers that offer No Medical Life Insurance. As a broker I remain independent , not married to a particular carrier and can offer you personalized life insurance information.

Call me today 512-963-5000