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I need life insurance that's no hassle.?

I need to get life insurance, but I’ve had a few health problems in the past and I really don’t want to have a medical exam to get coverage. I’m just looking for whole life insurance with reasonable rates and not a lot of hassle to get covered. I have no idea where to start …

Public Comments

1. There are a lot of insurance companies and all kinds of coverage out there, but it can be overwhelming. You should go with an A+ rated company that is reputable and has good customer service. Globe Life And Accident Insurance Company offers adult whole life policies with very affordable rates. Their whole life policies build cash value and rates never increase for any reason and all you have to do is answer a few yes/no health questions on their online application. It’s simple and you receive your policy in the mail. Just go to www.GlobeOnTheWeb.com and apply. It only takes a few minutes. P.S. They even offer the Young American Plan® for people under the age of 25. It’s a whole life policy that builds cash value too. The rates are really affordable and they never increase.
2. No medical exam coverage is extremely expensive, AND has a two year wait with you paying in, before they'll cover a death. AND, it has a limited amount of coverage - usually $10,000. Not much. If you want a decent rate, you're going to have to go through the hassle of a medical exam and underwriting, or else you'll end up with the rates of all the cancer survivors.
3. A whole life policy with no medical exam really limits your options - that's not too realistic. Are you sure that whole life is even best for you? Read the life insurance info at Yahoo Personal Finance. It's not impossible to get life insurance even with existing health conditions, but you've got to go through the medical underwriting process.
4. The best place to start is on comparison websites and get quotes, then an advisor will contact you to discuss a life insurance policy. I recommend you to check out http://theycompare.co.uk , http://protected.co.uk , http://confused.com etc
5. Hi I understood your situation i will help you out, i will suggest you few plans in Hdfc, there you no need to go for medicals and also you will be getting your life cover too. please contact me so that i can help you out in this regard, Regards, Krishna Mohan 09247205015 Development Manager krishnamohanp@hdfcinsurance.in
6. I think u should try term life for 20-30 years much cheaper,still visit this site,also try free online quotes,many are without medical test,also try to get the cheapest from comparing the quotes to see. You can visit this site http://freeinsurance4ever.blogspot.com
7. lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.