Is there a thing such as burial insurance with no health questions? Well, there is! In fact, most life insurance applications involve health questions but with background check, medical records, driving history, family history and includes medical exams. Other insurance applications have no medical exam policies. But, they ask questions and check your medical records.
Meanwhile, what you came here for is life insurance with no exam nor health questions. Further, this is a life insurance policy which is known as guaranteed acceptance. Moreover, let us learn about what it is, who it is for and how it works.
Guaranteed Acceptance – Burial Insurance With No Health Questions
Guaranteed acceptance is a life insurance policy that does not involve medical exams. Likewise, it does not ask any health questions. Many consider life insurance as an important investment for you and your family. Moreover, it is one of the ways available where you can give them protection. Regardless, of what will happen to you tomorrow.
There are plenty of factors involve in deciding which insurance plan is best. Although, it is a tedious process. However, it is far difficult for those with poor health or serve health conditions. You must not assume that you can no longer protect your family once an insurance company declines your coverage. In fact, there are myriad of affordable insurance options.
Guaranteed acceptance life insurance is the perfect solution to that problem. Generally, it sounds exactly like it and there is not one single applicant turned away or left uninsured. Burial insurance with no health questions sounds like the excellent option for insurance coverage. However, there are a few factors which you must consider which this policy comes with.
Benefits of Guaranteed Acceptance
Moreover, guaranteed acceptance has obvious advantages. Here are the benefits of burial insurance with no health questions:
Just like it sounds, this insurance policy means you get approval no matter your situation. Also, no questions asked. So, if the insurance companies you applied for declined you, this is your last option. Guaranteed issue policies offer a good backup plan in case other options have been exhausted. Further, hit is the way you can still have life insurance than nothing at all. Also, this is the best option for those who are already ill and do not have prior insurance policy. Or, those who need something to supplement their current policy.
Moreover, since this is a whole life plan, then it does include a savings element. Further, it accumulates cash value which you may pull out as a loan. Well, just in case there are emergencies. Typically, this accumulation occurs after 5 years.
Further, this policy can be whatever you need it to be. For instance, it can be a term life or permanent policy. With term life insurance, your rates are set and will not increase further as you age. Meanwhile, a permanent policy will be there as long as you live. You have the freedom to choose with policy makes a guaranteed insurance suitable for you.
Another benefit of this plan is the immediate acceptance for this insurance policy. Unlike a traditional insurance policy, they require you medical exams. Further, you will have to wait as the insurance company reviews your results. If you’re searching for insurance coverage that accepts immediately as possible, then guaranteed acceptance life insurance is perfect for you.
Locked-in Premiums, Benefit Amount, Flexible Payment Options
The issue age of burial insurance with no health questions is from 50-85 years old. Further, this type of insurance has a locked-in benefit amount. This means, your benefit will not decrease just because you are growing older. Your gender and age are the basis of this benefit when your coverage takes into effect.
Further, this insurance has locked-in premiums. Thus, it guarantees that your rate never increases all throughout your coverage. Moreover, they will not cancel your coverage as long as you pay your premiums.
You can also enjoy the flexibility of payment terms. In fact, you may pay premiums monthly, quarterly, semi-annually, or annually.
Peace of Mind for you and your family
Guaranteed acceptance gives you and your family peace of mind. This sufficient life insurance can pay for your funeral cremation, unpaid credit cards, car or home loans. In addition, this ticks off boxes on your funeral checklist.
Finally, you can rest easily knowing you have a funeral home insurance. Also, final expenses will no longer add to your family’s grief.
How Do They Determine Rates And Eligibility?
Burial insurance with no health questions are determined by age, lifestyle and health. Unless, you possess a risky job, involve in dangerous sports, or travel to unsafe places. Further, these two factors typically determine the type of coverage you may qualify for.
Is Guaranteed Acceptance The Right Policy For You?
There are plenty of insurance policies in the market and it can be difficult to determine which plan fits your needs. The best thing to know if this policy is right for you is consulting with an insurance agent. Remember that every insurance company is different, and they will view your application through different medical underwriting.
Meanwhile, there are insurance companies that specialize in insuring high-risk applicants with health conditions or problems. You may want to approach an insurance agent that has experience working with seniors that are do not have the best health.
Moreover, insurance agents give you a much greater chance of getting accepted for life insurance. Also, they help deliver lower insurance premiums.
Remember, life insurance policies are the biggest purchases you may ever do for your family. Therefore, it is essential that you make the best decision. Likewise, there are plenty of things to consider when choosing an insurance like funeral home insurance.
There are plenty of insurance companies out there. Well, you do not want to spend so much time calling different companies and answering the same questions. Let the best insurance agents do the work for you.
A burial insurance with no health questions accepts almost everyone that applies. This policy is for those with serious health issues who would otherwise not qualify for any life insurance. Further, it guarantees acceptance and rates do not increase over time. Contact Inzur agents today and be happy to answer the questions they ask. We assure you that you will get the best coverage available for you and your family. We can help make insurance applications as quick and easy for you.
Moreover, it is not wise to wait any longer to get an insurance policy. You never know what is going to happen tomorrow or anytime in the future. If you unexpectedly pass away, your family will be responsible for all funeral checklist or funeral cremation. You definitely do not want to add burden to their grief. Moreover, they may be stuck with your debts. Help your family by getting the best insurance policy. Call 1-888-999-0089 for more information and insurance quotes.