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Life Insurance No Waiting Period


Life Insurance No Waiting Period

When shopping for a final expense policy, many are seeking to get their life insurance with no waiting period. 

If required, a typical waiting period lasts from between two to four years before the full benefits of the policy are paid out to beneficiaries. But it is not difficult for us to find life insurance companies that offer coverage without a waiting period. In fact, we are able to find these policies for the vast majority of our clients.

What type of life insurance has no waiting period?


For final expense, the type of policy that has no waiting period is simplified issue. 

This type of life insurance is a form of whole life insurance that is meant for those with mild health issues. You don’t have a medical exam, but you fill out a simple health questionnaire. 

Features of this policy are: 

Life Insurance–Immediate Coverage

Immediate coverage

No Exam–Premiums Up

Premiums never increase

No Exam–Coverage Down

Coverage never decreases

No Exam–Coverage Never Expires

Coverage doesn’t expire

Life Insurance–No Medical Exam

No medical exam

Is there a waiting period?
If I have cancer?
Finding life insurance with no waiting period
Life Insurance–Waiting Period

Is there a waiting period with guaranteed issue life insurance?

If you have Medicare Part A and Part B, you qualify for Medigap. If you are enrolled in a Medicare Advantage Plan, you are not eligible for a Medicare Supplement policy. Remember that Medicare Advantage Plans are alternatives to Original Medicare. Medicare Supplements, on the other hand, offer supplemental insurance to cover a portion (or all, depending on the plan) of leftover expenses after Medicare pays its share. You can purchase a Medigap policy from an insurance provider who is licensed in your state.

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