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What is no medical degree life insurance?



If you fall within these ages, coverage amounts and building parameters, you may be eligible for an accelerated emissions guarantee. However, your general health and lifestyle factors still play a role – just as they would if you applied for a life insurance policy that requires a medical examination.

The following are typical health problems that are likely to disqualify you from an accelerated insurance process: or drug abuse / treatment

  • Bipolar disorder
  • Cancer (excluding basal or squamous cell carcinoma)
  • COPD
  • Crohn's disease
  • Hepatis1965906 [1965906[1965906] 1965906 [1965906] Kidney disease
  • Melupus
  • 19659005] Multiple sclerosis
  • Parkinson's disease
  • Rheumatoid arthritis
  • Stroke is unqualified and worsens from the following: 1
    9659003] Bankruptcy in the last five years
  • DWI / DUI in the last five years
  • Criminal conviction
  • Tobacco or marijuana use in the last 12 months
  • Hobbies & # 39; 019 & # 39; 0 Hazardous job orDo59019 ha brave if you think you may not qualify for a accelerated emission guarantee. You can still apply and if certain factors do not match, it does not mean that you can not get life insurance. You would only need to go through a traditional emissions guarantee — which involves a medical examination.

    »Read more: What does a medical examination do for life insurance?

    What is the accelerated insurance process?

    Once you have run a quote and completed an online application, your Quotacy Agent will send you an email notifying you if it looks like you may be approved for the accelerated issuance process.

    The first step to Determining if you will be approved is a verification phone call.

    During this phone call, a representative of the insurance company will ask questions about your life and health. During this time, reports such as your motor vehicle report, a check of prescription history and reports from the Medical Information Bureau are run.

    We often find out if you are approved for accelerated insurance within 48 hours of this telephone interview. If you do not qualify, you will be contacted to book a medical examination. Do not feel disappointed if this happens, some applicants will have to go through the traditional issue process.

    You can back out of the life insurance process at any time without any penalties, but we encourage you to continue the process. The younger you are, the less your life insurance costs. If you are not eligible for an accelerated issue guarantee now, it is unlikely that you will do so in the future. But it is likely that your life insurance premiums will increase if you wait to receive coverage.

    How do I apply for the accelerated insurance process?

    Now we can come back and talk about the life insurance company SBLI. Right now, they are the only company that guarantees that you will not need a medical examination if you fall within the parameters of age and coverage amount.

    However, it is important to note that the accelerated emission process with SBLI often takes longer than the traditional one. the process with another company because SBLI tends to order many records to compensate for the fact that they will not require an investigation.

    With the other life insurance companies Quotacy cooperates with, you do not know until after they have run some reports and completed your telephone interview regardless of whether you are eligible for accelerated insurance or not.

    When you apply for life insurance through Quotacy, we recommend that you choose SBLI if you are adamant about skipping the medical examination.

     choose a life insurance online at Quotacy

    Obs! SBLI is not available in New York or Montana, so if you apply via Quotacy with a zip code from one of these two states, SBLI will not appear as an option.

    If you have any questions regarding the accelerated issuance process, please contact Team Quotacy at any time. If you are ready to apply for life insurance, start by getting a free (and always anonymous) life insurance quote today.

    The life insurance rates and guidelines for insurance in this post are updated as of 2021, but may be changed.

    »Compare: Thermal life insurance quotes


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