Term Life Insurance Definitions helps the buying public to become more knowledgeable of term life insurance and  permanent life insurance.

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America’s Top Rated Term Life Insurance Companies
American General | American Mayflower | Banner | Chase | Empire General | F & G | First Colony | Genworth | ING | Jefferson-Pilot | Lincoln Benefit | Lincoln National | North American | Protective | Prudential | RBC - Liberty Life | SBLI | Security Mutual | Transamerica | Union Central | U.S. Financial | West Coast | William Penn

Affordable buy online in 10 minutes from a  top rated carrier!

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Offering The Best Policy Language For Physicians From Top Rated Disability Insurance Companies!

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Available From Top Rated Long Term Care Insurance Companies!



 
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Term Life Insurance by Top Companies
 For the serious shopper who would like a seasoned professional to assist them-
Term Life Insurance Quotes     Term Life Insurance No Exam

 Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
 Personalized Tele-Application for All Companies, Right Over the Phone!
 More companies allows for the best opportunity to obtain the lowest term life insurance quote!

Impaired Risk Medical Conditions

 


Or A Participant In A Hazardous Hobby
Impaired Risk quotes for term life insurance, instant term life insurance, return of premium term life insurance

Do you Have A Medical Condition For An Impaired Risk or Participate In A Hazardous Hobby?

Declined from other Life Insurance Companies?

Click on the topic below to complete an impairment questionnaire. We will respond within 72 hours.

Have questions... Send an e-mail to the "Doc"

 

Tobacco Usage Summary

 

Cigars

Negative Specimen (usually 4 days since last cigar)


 Preferred Best Non-Tobacco with Genworth if less than 12 cigars per year.

Preferred Non-Tobacco with North American if not more than 12 cigars per year.

Preferred Best Non-Tobacco with Banner if no more than 1 cigar per month.

 

Pipes, Chew or Dip

Tobacco rates will apply.

 

Cigarettes

Tobacco rates will apply.

 

Nicorette

May be considered up to Preferred Non-Tobacco on a case-by-case basis.


 Related:
get a quote     Application underwriting your life insurance policies
       ▪ Completing The Application
        ▪ Completing The Medical Examination
       ▪ Medical Underwriting
       ▪ Risk Classifications
        ▪ Quoting A Premium
       ▪ Sample General Guidelines

get a quote   Determine your underwriting classification

      Preferred Plus  l  Preferred  l  Regular/Standard

get a quote   Decision chart could help you decide the type of life insurance to purchase
      ▪ Making the decision to buy Term or Permanent Life Insurance

 

   
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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


Not all insurance products from all insurance companies are available in all states.
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