The Options of Non Medical Life Insurance

Most major carriers require applicants to undergo a routine physical before they can qualify for life insurance. The good news is that these exams are typically brief (less than half an hour on average), free, and convenient. Moreover, if you do have some underlying condition (such as high cholesterol), a term or permanent life physical can alert you to treatment needs.

If you opt for a term policy, you can choose in increments of approximately five years, and you can select from stellar carriers, such as Genworth Financial, AIG, and Jefferson National, through EFinancial.com. This respected, BBB-approved service offers powerful tools, wonderful customer service (at 866-765-4296), and a money back quality assurance guarantee.

In addition to passing your life insurance physical, you also will have to take what's known as a personal history interview (PHI). Basically a representative of the insurance carrier will speak with you over the phone at your convenience about your lifestyle and health history. This interview may cover ground that was already discussed in your application, and it can be rather uncomfortable. Fortunately, you can turn to the EFinancial.com team for guidance about how to approach the PHI and for insight into the dynamics of the underwriting process.

EFinancial.com vets carriers carefully, so that you get connected with only the cream of the crop. You can see testimonials from satisfied employers and independent consumers--just email or call a representative today. The company can also help you figure out how bankruptcy or other financial/criminal mishaps may impact your rates.