At Kaia Insurance Group, we’re thrilled to be able to offer something called “Instant Life Insurance.” Instant life insurance is life insurance that can be obtained without a lengthy approval process. You do not need medical exams. You do not need blood tests. You simply apply, fill out your information, get a quote, and obtain the life insurance you need.
Instant life insurance – which is available as instant whole life insurance, instant term life insurance, and final expense coverage – saves a considerable amount of time and can help you obtain insurance now, without the anxiety of waiting for all the medical approvals. It is a great option for many people, but it is also not for everyone. There are situations where instant life insurance may not be ideal.
Reasons to Consider Life Insurance Through the Traditional Route
At Kaia Insurance Group, our role is to provide guidance and information to help you find the insurance policies that you need, no matter what they may be. We offer instant life insurance, and we offer traditional life insurance, and if you have any questions about which one is right for you we are more than happy to walk you through it.
Instant life insurance is often a great option, especially for those in a hurry or those that want easier, less stressful approval. But it isn’t the only option. You may want to consider traditional life insurance when:
- You Are On a Tight Budget and Want More Coverage – Instant life insurance is great, but typically it is a bit more expensive and offers less coverage due to the lack of medical exam. If you want more coverage for less money, you might want to see an independent insurance agent.
- You Are in Great Health and Not in a Hurry – Similarly, if you are in good health and not in any particular hurry, your coverage is likely to be much cheaper and potentially with better policy options if you consider the medical exam instead.
- You Are Not in Great Health and Still Want Coverage – Instant life insurance can sometimes have strict policy requirements. If you obtain this type of policy, you have to read it to make sure that you are unlikely to be disqualified from the policy depending on the situation. With traditional life insurance, your approval is often absolute (depending on the policy), so you do not have to be concerned that you may not be covered in the future.
By law, people also need to disclose if they’ve been denied life insurance coverage in the past. In situations where a person has health issues that might deny their coverage, it may be better not to start such an application and possibly receive that mark on their record.
The Many Forms of Life Insurance and Life Insurance Policies
Instant issue life insurance is an excellent way to obtain life insurance, and there are many situations where this type of insurance can be beneficial. But like anything in the insurance world, it is complicated, and the right decision requires careful consideration.
If you’d like to apply for instant life insurance and you’re sure it’s the right choice for you, you can do so on our website and learn more about this type of life insurance, here. If you’re looking for personalized support, please reach out to Kaia Insurance Group today. We are licensed in the state of Texas, located in Conroe, and frequently found in the Houston and Austin areas if you’d like to discuss these different options in person.
