It sounds too good to be true, right? Nobody really wants to spend an entire evening talking about their own mortality with a life insurance agent at their kitchen table. That’s why instant issue life insurance is a great opportunity to get the coverage you need without any of the hassles. Take a look at the details below to decide if an instant issue life insurance policy is for you. You might be surprised at just how easy the processes and how much of the annoying aspects of the life insurance process are removed with the instant issue.
Do You Value Your Time?
Do you work? Do you have children? Would you consider yourself a busy person? The instant issue may just be the answer to your prayers. You can breeze through the life insurance application process without having to be concerned about your application sitting for days or weeks on an underwriter’s desk. With traditional life insurance, your life insurance application is sent to the carrier, where it’s put in a lineup for processing. If the life insurance carrier is overwhelmed, or there is some aspect of your application they would like more information about, the details approving your application can take a long time.
If you’re going ahead with a life insurance application, you probably value the opportunity to have a death benefit paid to your beneficiaries if something happens to you. What about all of those weeks or months that your application is sitting on somebody’s desk, being ignored? Sure, you could’ve purchased the temporary insurance agreement to cover you for the time period that your application was being reviewed, but how is it fair to you to have to pay an additional premium because the life insurance carrier is slow or not motivated to wrap up your approval? Instant issue life insurance takes away all the guesswork about how long it will be before your life insurance application is approved. With some carriers, you can get approved over the phone provided that your answers to several questions meet the standards of that company. Do you really want to waste the next couple of weeks of your life calling your life insurance agent every day and asking the status of your application? I didn’t think so. (If you answered yes, let’s find you another hobby).
Do You Want To “Get It Over With?”
Let’s face it, answering questions about your health background, participating in a paramedical exam with some awkward stranger waiting for your urine sample, or having to request detailed medical records from your physician are just some of the challenges you might face with the typical life insurance application. Who wants to go through with that? So many people have the attitude towards life insurance that they would just like to get it over with. And why shouldn’t you? It’s not exactly a fun experience, although it’s an important purchase. There’s no need to make this purchase any more drawn out than it already is. With instant issue life insurance, get a quote, submit some basic details, and get approved. It really is that simple. Having to deal with the hassle of traditional life insurance application simply might be too much for you. If you don’t have complex needs, your life insurance application shouldn’t be complex, either. Make it simple with instant issue life insurance.
Do You Want To Have A Policy In Hand As Quickly As Possible?
There’s another downside to traditional life insurance applications. Sometimes, individuals submit applications to a life insurance carrier at a rate class higher than what the carrier actually approves. In some situations, the carrier may come back and decline the applicant altogether because of their strict guidelines about a particular medical or personal issue. Why does this matter? First of all, you’ll have to start the life insurance application process all over again with a different carrier. Who wants to go through with that? If you do get denied for some reason, your future life insurance carrier has the opportunity to review any recent life insurance applications that you’ve submitted. In a sense, you have a ”criminal record” of life insurance applications and denials. Typically, life insurance carriers use this to identify people with serious medical issues or those people attempting to commit fraud, but you shouldn’t have a denied application held against you just because some carrier had extremely strict guidelines or a cranky underwriter who wasn’t willing to budge. You shouldn’t be punished for that situation, so take advantage of the ease of an instant issue life insurance policy.
With an instant issue application, you’re much more likely to have a policy in hand very quickly. You don’t have to worry about generating a tremendous paper trail with the life insurance carrier or waiting for the approval of some individual in the life insurance carrier’s food chain. You’ll know over the phone whether you received the policy or not. That way, you’ve got the peace of mind that if something happens to you, your family is protected. You won’t have to worry about getting denied down the line or finding out that you been approved as some outrageous rate. Most of the questions of the additional life insurance process are removed when you go with instant issue life policy.
Easy, breezy… life insurance?
Yes, it’s true. You can have a life insurance policy after being approved over the phone, with minimal hassle on your end. You can avoid the majority of negative aspects of life insurance application and get the protection that you need without being frustrated by red tape.
If you have any questions regarding instant issue life insurance please call us at 888-492-1967, request a custom quote in the form above or compare no medical exam policies online.
