Cheap Life Insurance Online

Did you know that you can purchase affordable life insurance online? Just a few years ago, the thought of requesting instant life insurance quotes and receiving an approval in less than 10 minutes was impossible.

With new advanced quoting, underwriting and issuance tools, individuals who are looking for the most convenient way to purchase cheap life insurance online,  can now use the Internet to do so.

By using the online quote and application module , below,  you can buy Term life insurance without any of the exams, appointments, or other tests that are required by fully underwritten medical plans.

If you want to find the cheapest life insurance, read my article,  find out if you qualify and start the process for the financial protection of your family.

The Requirements to Qualify for a Cheap Online Life Insurance Plan

No Medical Exam plans do not require  long  application questionnaires . If you are terrified of needles, you have preexisting conditions, or you simply want your life insurance to be approved and issued quickly then a  no medical exam term life insurance plan online is the answer.

Here is a brief breakdown of the qualifications of a cheap online life insurance plan:

•  Applicants can apply between the ages of 18 and 60
•  Coverage is available in amounts between $25,000 and $350,000
• Non-smokers and tobacco rates
• Terms in the length of 10, 15, 20 and 30 years are available
• You Must have a valid Drivers License
• Will accept some minor health impairments

How to Apply for and Bind Your Life Insurance Policy Now

The process of pricing insurance, applying for coverage, and binding your policy is not difficult. As a matter of fact it is really only two steps:

Here is a rundown of the questions that will be asked: Don’t be put off by the questions, they are only looking for anyone with serious health impairments. If you have any Yes answers to the below questions , then you need to give me a call so we can look at other options.

Do you use insulin injections?
Are you currently receiving disability assistance or social security disability payments?
Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or tested
positive for HIV (Human Immunodeficiency Virus)?

In the last 10 years:

Have you received any treatment, medical advice or consultation for; been diagnosed with;
or had any known indications of any disease of the heart, aorta, coronary arteries, peripheral
vascular system or blood?
Have you received any treatment, medical advice or consultation for; been diagnosed with; or
had any known indications of cancer (other than basal cell or squamous cell carcinoma of the
skin)?
Crohn’s disease, ulcerative colitis, or any disease of the liver, pancreas or kidney?
Crohn’s disease or ulcerative colitis?

Liver or Pancreas disease or disorder?
Kidney stone or kidney infection fully recovered without continuing treatment or need
for follow up?
Stroke or transient ischemic attack, Alzheimer’s disease, dementia, degenerative muscle or
nerve disease/ disorder, paralysis, or other brain disorder?
Systemic lupus (SLE), rheumatoid arthritis, or other connective tissue disorder?

In the last 5 years:

Have you had life insurance declined or been told you would not qualify for standard life
insurance premium rates due to your health?
In the last 3 years: Has your driver’s license been suspended or revoked, or have you been
convicted of or pleaded “guilty” or “no contest” to any felony, DWI/DUI, or are you in prison or
serving a probation/ parole program?

♦ Chronic bronchitis, emphysema or COPD?
♦ Asthma
♦ Other chronic lung condition?
Bipolar disease, schizophrenia, depression or mood disorder other than anxiety?
Bipolar disease, mood disorder other than depression or anxiety, or schizophrenia?
Depression?
Diabetes?
Have you had protein (albumin) in your urine or had laser therapy on an eye or had skin
ulcerations or peripheral neuropathy involving your legs or feet?
Any disease of the heart, aorta, coronary arteries, peripheral vascular system or blood?
Cancer (other than basal cell or squamous cell carcinoma of the skin)?
In the past 3 years, have you been admitted to a hospital for a medical condition other than
previously admitted to in the above questions?
Musculoskeletal (orthopedic) condition or injury?
Are you awaiting a diagnosis or been advised to have a surgical operation, a diagnostic test or an
evaluation that has not yet been completed?

Must have a Valid Drivers License
Alcohol or drug abuse?

The average person will receive an answer in regards to approval within 10 minutes of submitting the online application form. Once you are approved, the carrier will draft the first months premium to put the policy in force.

What if I get declined?

If declined, not payment will be drawn. I will be notified of the decline and will find out the reason. Once I have this information I will contact you to review other options.

Summary

If you want a life insurance policy without having to wait for a long underwriting period, apply for affordable life insurance online today. The convenient and simple quote module,  on this page, will grant you access to coverage in minutes without the need to get a medical exam if you are approved.

At www.m2insurance.com we do our best to provide cost effective and the most convient way that you can purchase a Term Life Insurance Plan. Call me today at 512-963-5000 or fill out my contact form and I will contact you directly.