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Whenever you are looking to get a cheap life insurance policy, you should be thinking about the coverage of your dependents and family members. Many people are in a hurry to do so, scared that they're running out of time, therefore, the last word they'd want to hear is “Please wait” because an insurance company need three to five weeks to assess their medical exam. There are many cheap life insurance firms that would deny you insurance as you have an illness. Some cheap life insurance company also denies you insurance from your involvement in activities they'd deem high risk such as sports. Still, you deserve and needs a chance to get insured. After searching a finest life insurance company, you will notice that there are different other companies that have an insurance policy without any medical exams. Although, these insurance information mill usually a little more expensive than other standard cheap life insurance companies but they're simpler and faster. Life insurance policy is a small investment your friends and family to possess financial security once you are gone. There are three major insurance policies depending upon the insurer and basics. 
Graded issue 
This is actually the first type of simpler and faster policy, that is a bit more complicated than its other two sorts. This policy doesn't need a health check. For this type of insurance policy, the insured won't receive full death benefits whenever they die within the first year or in the third year after trying to get the policy. The advantages increase each year till round the final year in which the benefits even out. Moreover, the premiums of graded issuing insurance are fixed as compared to other two sorts. Despite of full health or with a high-risk lifestyle, this insurance policy can fit for everyone anyone. Different insurance companies seek to address the right for anyone to achieve the policy to ensure that families are not left in financial crisis when their dependents or family members leave. In other words, you can state that they are non-discriminatory policies. 
Guaranteed Issue
This is actually the second type of insurance policy, which is open to everyone who'd want to get insurance despite their own health status without any medical exam. In various [http://truongvietthanh.edu.vn/forums/member.php?u=1183535 cheap life insurance] , this policy features attractive package options like fixed benefits and fixed premiums. Guaranteed concern is the most expensive policy in most other three kinds of life insurance, which are offered without a medical exam. 

Simplified issue 
You have to fill out several health inquiries to qualify for eligibility to apply for this type. It holds some advantages over the guaranteed policy such as the benefits are usually higher than those in the previous policy.