No Medical Exam life Insurance Seniors Life Insurance 289 275-2162,
Seniors – No Medical Life Insurance. If you are between the age of 45 to 80, you can qualify for a No Medical Life Insurance policy. Coverage starts at 00 up to ,000.
Looking for Life Insurance in Oshawa? If it is Oshawa seniors life insurance, Oshawa critical illness life insurance, or Oshawa mortgage life insurance, please let us help.
If you are in a car accident, you probably are more concern about the impact that it will have on your future automotive insurance cost, and you know that no one will come directly to you looking for payment.
What if you had a health issue, or an accident and you are no longer around. How would this impact your family? There is an insurance solution available for you in Oshawa. Have you considered how your family will manage, when you’re no longer able to be among them each day, provide security for your family and loved ones. with the protection of quality life insurance in Oshawa. Our independent Insurance Advisor provides life insurance in Oshawa that insures you and suits the way you live. InsurancecoverageHQ.com has independent agents that will find you the best policy that suites your needs by shopping around to major insurance companies and will provide you with three quotes. Why settle for just one quote from a company agent who is tied to just one company. offers life insurance in Oshawa that’s dependable, competitively priced, and tailored to fit your needs. We have highly trained Insurance Advisors across Oshawa to answer any questions you may have and to provide more than one quote. Insurancecoveragehq.com we can provide that; competitive pricing and all. Call us today!
Reliable solutions because of many insurers to Choose
Insurancecoveragehq.com will listen to you and will work with you to find the life insurance you need in Oshawa. The two main types of protection available are Permanent Life Insurance and Term Life Insurance in Oshawa. Get the advice you need, talk to us.
With over10 major insurance providers InsuranceCoveragehq.com can help you and your family find high quality, personalized protection for your lifestyle. Speak to a an Insurance Advisor today to receive free quotes and to learn more. Are you buying a house or making any other major life changes? Now may be the time to talk to a local Insurance Advisor about getting a policy to cover your mortgage in Oshawa, Whitby, Courtice, Bowmanville, Ajax , Pickering or any region in Durham. from The Co-operators about Mortgage Guard®, life insurance in Oshawa.
Contact us and you will see why an independent Insurance Advisor will show you how choice you have by presenting multiple quotes, and expertise to assist you in selecting the best policy for you and your family.
Choices are: Manulife, TransAmerica Life, Assumption Life, Empire Life, Equitable Life, Wawanesa Life, RBC Insurance, BMO Insurance, Canada Protection Plan, Edge Benefits, Canada Life
Clients between the age of 45 and 75 can qualify for coverage by answering no to 5 simple questions
Instant Issue Life Insurance Oshawa
If you can answer NO to these five questions you can qualify for ,000 to ,000 in coverage.
1. Within the last two years, have you had a stroke, heart attack or been advised to have heart surgery?
2. Within the last three years have you consulted a physician for , or received treatment for cancer?
3. Within the last three years have you been declined for individual life insurance by any insurer?
4. Have you been diagnosed, treated for or had any indication of AIDS or AIDS related complex?
5. Are you currently restricted to a wheel chair, bedridden, hospitalized or confined to a nursing facility requiring full time care?
Let us help you get the best life insurance policy. If you are a smoker we can help you get the best smokers no medical life insurance policy.
If you are a senior or you are looking for insurance for a senior or anyone between age 45 and 75 please consider Oshawa seniors life insurance. This is a no medical life insurance policy, no doctors visit, no blood and or urine specimen. All you need to do is answer a few questions. If you are age 60 or older senior life insurance in oshawa is still available for you. If you have any health concern, we will help you to find the best policy for you. Depending on the severity of your health issue we will investigate to find out if there is a possibility that you may get a standard coverage.We will do all the heavy lifting for you. This will be one of your best financial decision.
Can Smokers Find Life Insurance?
It is generally true that individuals who smoke tobacco are either denied life insurance or end up paying more for their policies. Why? Because statistics are clear: Smokers do not live as long as non-smokers.
Life insurance premiums are determined by statistics found on mortality tables. These statistics track how many people die each year and at what ages. It is sad but true that the mortality rate is considerably higher when it comes to tobacco smokers. As a result, life insurance premiums are often 40% higher or more!
While no one likes to think about developing lung cancer — facts are facts. People who smoke cigarettes die at a younger age than those who don’t. Lung cancer was practically non-existent prior to World War II. Then smoking became the fad and everyone wanted to get in on the act. In just one or two decades after World War II lung cancer became a world wide epidemic and remains as such today.
The statistics surrounding lung cancer are depressing — 90% of those diagnosed with this condition end up dying in a relatively short period of time. Yes, lung cancer is almost always a death sentence.
Since any tobacco use on a regular basis will adversely affect an individual’s health, this is reflected in their life insurance premiums. Nicotine is a deadly substance — one drop on your tongue is able to kill a person. As a result, nicotine plays havoc on the human body. It weakens the heart muscle, increases the likelihood of strokes and heart attacks and is a frequent factor in individuals suffering with hypertension.
Here is the good news: Once you quit using tobacco for a period of twelve months, you may be able to qualify for a non-smoker rate with most of the major life insurance companies. When I was quitting smoking I talked to the agents at Goldsmith Insurance Agency and they explained that you can start to get non-smoker rates in as little as one year and definitely at the end of two years of being smoke free. So get started on kicking the habit now and move on to better life insurance rages.
Multiple Sclerosis And Life Insurance
Most people begin planning for retirement and start looking for life insurance policies after they have been in the workforce for a while. Unfortunately, the first symptoms of multiple sclerosis appear before this time. As a result, it can be more than a bit difficult to find an insurance company willing to write them a life insurance policy.
The truth is that people who find themselves with a serious diagnosis such as multiple sclerosis will not be offered the same conditions or options on a life insurance policy that people without such a diagnosis will be offered. However, there are some avenues that are worth exploring. In the business world of insurance, some companies and agents will work with multiple sclerosis patients. We found many locally and know that for many ms patients looking for life insurance InsureNow365.com can help with getting competitive rates.
While the best option for young people is to lock in a policy rate while they are still young and healthy, most don’t do it because they are lost in the exuberance of youth and still believe that nothing bad will ever happen to them. Once a diagnosis of multiple sclerosis has been made, young people are faced with the reality that they have a long term problem to deal with. They have to find long term health care as well as life insurance. Unfortunately, all of the insurance problems could have been eliminated if they had sought coverage sooner.
Insurance companies are reluctant to provide coverage because they know that people with this disease will never get better. Because it is progressive, the reality is that their condition will get worse as time goes pay. The final stages of multiple sclerosis leave people very impaired. For an insurance company, the idea of writing a life insurance policy doesn’t make sense since they will certainly lose money and the only type of policy available will have high premiums and come with limited options.
Therefore, anyone who knows that they are at high risk of developing this disease should plan to get life insurance as early as possible. After diagnosis, a savings plan might be the best option to help pay the bills when the disease worsens. The key with life insurance is to plan early.
Do People Over 50 Need Life Insurance?
It is in our human nature to brush off investments they may not directly benefit from such as life insurance for instance. For too many seniors life insurance sounds like a luxury they don’t need and maybe because the advances or returns are acquired only when the insurer dies. But there is another is another perspective to look at it. When you die, you would want a respectable burial to leave you resting in peace and this comes at a hefty cost indeed. Just like any other sector, the prices associated with burials keep inflating by the year and somebody will have to pay for yours. It is a common occurrence to find mourning families in great debt over funeral costs and your beloved ones, do not have to be among the many that find themselves in these situations.
Any responsible being should have enough savings to cover for their departure and this is best facilitated through having a proper life insurance for people over 50 policy that covers a number of death associated costs. For instance, having a policy that caters for permanent disability from illnesses or accidents can go a long way in saving your family some much needed change after your departure. In most cases, death emanates from accidents, injuries or illnesses that leaves one’s fate to the hospital. This is indeed an extra cost as the bills here will have to be cleared as well adding to the misery of your beloved family.
With this in mind, you can actually gauge for yourself the advantages of getting yourself a proper life insurance policy besides the obvious fact that it is cheaper to have one in the long-run. You can acquire a customized policy that fits your budget and needs to avoid straining your wallet. Visit or contact your closest insurance agent or browse through a few insurance websites and request for a free quote from the one that stands out for you.
Life Insurance is For Your Family, Not You
Planning for death is uncomfortable for most people. It is a reminder that the joys of life are fleeting and we are very much mortal. Life insurance may seem like an unnecessary expense that you would rather not incur at this stage in life but this may be a short-sighted and selfish view. Life insurance is not for you. It really is a benefit granted on death to a beneficiary, be it family or friend, to help stop the financial gap your passing created. It may be put to various uses and may just be the tool that saves your family from debt and despair.
The stress of a funeral is only exacerbated when the family of the deceased is informed that arrangements may cost between $5,000.00 and $20,000.00. Very few families are okay with their dearly departed not being given the ceremony they deserve to celebrate their life and most will go to great lengths to ensure this. Even a portion of the smallest life insurance policy would be able to cover funeral expenses and help make this time of grieving less miserable.
When your family has buried you they do not also bury your debt with you. Your debt doesn’t merely die when you do. Families of the deceased are often thrown into debt when trying to pay the debts of their loved ones. Medical expenses, the mortgage on the house they shared with you and even loans will be an uncomfortable burden on those closest to you. Your partner in joint debts may now have more to pay and in individual debts secured by assets may also reduce the value of your estate, leaving your family with less than bargained for. A life insurance policy will be the silver lining of a dark cloud in times like these.
Should your death be an untimely demise, for example in the midst of you putting your children through college or right after you’ve taken out a second mortgage on the house to pay for something else, an insurance policy would also be very helpful. Term life insurance policies are often purchased for these reasons. A term may be for the duration it would take to repay that mortgage or for your children to complete college. This ensures that your family has the financial security they would have had you not passed.
Even if you are not the main breadwinner in your family, more than likely your loved ones counted on your income to contribute to meeting the family’s pool of finances. Life insurance provides them with security in the event you die and the peace of mind that you have their best interests at heart. Knowing that your family is protected even after you pass away will help you, and them, sleep easier at night. Think of your monthly premiums as a small price for that satisfaction and protection.