Getting life insurance is not hard when you have a good agency handling your case. If there is not good communication going on, it can be frustrating to get through the application process, especially if you have never applied for life insurance before. It helps immensely to have an agent who will explain your options, fill out the application with you, be available to answer questions, and guide you after your approval until the policy is in effect. It also helps to have an in house Case Manager who gives you regular updates and lets you know what you can to do help move things along.
Also, getting No Exam life insurance can make it easy to get life insurance. If that is an option and you are willing to possibly pay a little extra for that convenience, getting life insurance that does not require a physical can be a good choice for someone who does not want to take the time or effort of going through medical underwriting.
That is a great question! Getting a life insurance policy is surprisingly easy - even for people that have significant health issues. Many companies will offer policies that ask no health questions at all, and only require proof of identity, and up to date payments to stay in force. There are policies in every price range, and every size. If you would like help finding a policy that works for you, please feel free to contact me, I'm happy to help. Thanks for asking!
Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
Obtaining life insurance is really pretty easy for the majority of people. All you need do is contact a trusted and knowledgeable Insurance Adviser/ Broker and discuss with them what it is you want and what your goals and needs are. Then you will need to qualify and be able to pay the premiums. Most people can qualify for some level of insurance and then it just becomes a question of being able to pay the premiums.
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Also, getting No Exam life insurance can make it easy to get life insurance. If that is an option and you are willing to possibly pay a little extra for that convenience, getting life insurance that does not require a physical can be a good choice for someone who does not want to take the time or effort of going through medical underwriting.