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When looking to get a cheap life insurance policy, you ought to be thinking about the coverage of your dependents and loved ones. Many people are in a rush to do so, scared that they're running out of time, hence the last word they would want to hear is “Please wait” because an insurance company need three to five weeks to evaluate their health check. There are many cheap life insurance companies that would deny you insurance because you have an illness. Some cheap life insurance company also denies you insurance from your involvement in activities they would deem high risk such as sports. Still, you deserve and requires a chance to get insured. After searching a best life insurance company, you will notice that there are different others that have an insurance policy without any medical exams. Although, these insurance companies are usually a bit more expensive than other standard cheap life insurance companies but they are simpler and faster. Life insurance policy is really a small price to pay your friends and family to possess financial security once you are gone. You will find three major insurance policies based upon the insurer and basics. 
Graded issue 
This is actually the first kind of simpler and faster policy, that is a bit more complicated than its other two sorts. This policy does not require a health check. For this type of insurance policy, the insured will not receive full death benefits whenever they die in the first year or perhaps in the third year after trying to get the policy. The benefits increase every year till round the final year where the benefits level out. Moreover, the premiums of graded issuing insurance are fixed as compared to other two types. Despite of full health or having a high-risk lifestyle, this insurance policy can fit to serve anyone. Different insurance companies seek to address the right for anyone to achieve the policy to ensure that families are not left in economic crisis when their dependents or loved ones 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 with no medical exam. In different [http://https://preview.crocodoc.com/view/d85d2903-da38-49aa-b24c-ba080aa5fbe2 cheap life insurance] , this policy features attractive package options like fixed benefits and glued premiums. Guaranteed concern is the most expensive policy in most other three types of life insurance, which are offered with no medical exam. 

Simplified issue 
You need to fill out several health inquiries to qualify for eligibility to apply for this type. It holds some advantages within the guaranteed policy like the benefits are usually higher than those who work in the previous policy.