Life Insurance provider SimpleTermInsurance.com has partnered with Liberty Life Insurance Company, A rated according to A.M. Best, to bring a truly next generation term life insurance policy to the market.

This new “no medical exam term insurance policy” is issued in 10 to 15 minutes without ever speaking to an insurance agent. Applicants simply log on to SimpleTermInsurance.com to get a free quote. If the quote is acceptable the applicant simply answers a few questions to complete the application.

“Traditional Process Explained”
Traditionally term life insurance sold on the internet or by a conventional agent is a very complicated process. The “traditional online application” process involves going to a website such as www.selectterm.com or www.smokerins.com and inputting your information such as age, height, weight, and smoker status to generate a quote. The quotes are ranked according to premium amount which allows the applicant to choose the company that offers the best rate. Once the applicant chooses which company that he would like to apply with the applicant’s information is sent to an agent. The agent then will contact the applicant by telephone to complete the formal application. After the application is completed the agent mails the application to the applicant for signature. Once the application is signed by the applicant the application is mailed back to the agent for processing. The agent then orders a medical exam for the applicant from paramedical service. Paramedical services will contact the applicant to set up a convenient time and place to conduct the exam. The process can be very time consuming but that is how life insurance has been sold traditionally.

“No Medical Process Explained”
This whole “traditional online application” as explained above can be very complicated and time consuming for an applicant. However, there now is an alternative thanks to the innovation and forward thinking people at SimpleTermInsurance.com No Medical Term Life Insurance is a quick and crisp approach to term life insurance applications. This new application process is very simple and direct. The applicant will simply need to visit SimpleTermInsurance.com and enter information such as age, height, weight, state of residence, desired life insurance face amount and smoker status to generate quote. Once the quote is generated the applicant simply answers a few questions and enters payment method, either credit card or bank draft. If the policy is approved the applicant can print out the policy from the privacy of his home without ever having to speak to an agent.. The entire “No Medial Process” takes 10 to 15 minutes to complete as opposed to the several weeks to months that the Traditional Process usually takes.

For questions or comments please visit SimpleTermInsurance.com.