Frank Barnes Insurance Services
Make more time for what you love
No Exam Life Insurance
Recent studies show that many families have an insurance "protection gap". One fo the reasons is the feeling that the underwriting process is too intrusive and invasive, and it takes too long to get a decision. Many of our carriers are making changes to resolve these challenges.
You must be healthy to qualify (no major medical conditions or histories)
Term and Permanent Life Insurance Plans
Up to $5,000,000 of coverage
You must be considered Standard or better risk class
Julia, age 30, non-smoker
As a homemaker with a family income of $100,000, Julia applied for a $500,000 John Hancock Term Life insurance policy.
*Normal childbirth a few months ago
*Mild asthma, treated with Albuterol inhaler
*Excercises by running 3x per week
*Build 5'5", 140 lbs.
*No serious medical history
*MVR - had a speeding ticket in last couple years
DECISION: Julia was offered a Preferred Non-Smoker policy