Want To Keep Your Privacy? No Med Exam Life Insurance Now Available

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Want To Keep Your Privacy? " No Med Exam " Life Insurance Now Available

http://www.medicalnewstoday.com/articles/114569.php

Now available is a term life insurance policy from

420lifeinsurance.com that allows individuals to get a quality plan

while keeping their privacy. A lot of Americans are without life

insurance because of fears dealing with their existing health

conditions that typically raise rates. The data collected from blood

and urine test results are also recorded on the individual's

permanent record -- further increasing the unwillingness of

individuals to even apply for a plan.

As an alternative, previous medical records can be used to get

individuals on the road to a policy. With 420lifeinsurance.com there

are only seven questions to answer before being qualified -- no

bodily fluids necessary; this may cause a sigh of relief for those

who are just too embarrassed to reveal their bad habits -- such as

smoking pot -- or high cholesterol. Answering no to all of the

questions can result in instant approval and immediate coverage.

420LifeInsurance.com is aware of the fears individuals have and are

reaching out to those who may be eligible for life insurance. Bob

Lutz, the advisor and public face for the site explains.

" People are more concerned about their privacy, and know that

information from a life insurance paramed exam can end up on their

permanent record. Now they have the option of quickly getting life

insurance coverage without having to submit to invasive blood or

urine tests. "

As long as the previous medical records of the individual are

satisfactory, and the applicant is not aware of any current

undisclosed medical issues, the application should be approved

instantly.

" If you have a good medical history, then in my opinion what you do

in your own time is your business, not the insurance company's, " says

Bob Lutz. " I have a client who had a paramed exam come up positive

for marijuana use, even though he doesn't smoke pot. Not only was he

declined for coverage, but he's been trying for 6 months to get this

removed from his record, and still hasn't been able to do so. "

Life insurance policies range between $50,000 and $500,000. Terms can

be chosen for 10, 15, 20 or 30 years -- the most popular being 20

years. Run an instant quote on our site to find the best smokers term

life insurances rate to fit your needs.

By choosing a life insurance plan that does not require a medical

exam, people can avoid the risks associated with submitting to a

paramed exam, and get their life insurance in force much more

quickly.

420Lifeinsurance is an independent broker offering instant online

quotes and applications. More information can be found at

http://www.420lifeinsurance.com, or by calling (866) 429-5991.