Life Insurance cannot bring loved ones back, but it can certainly help their family get back on their feet.
Easy Issue No Medical Exam Life Insurance
We offer no medical exam life insurance through several different insurance carriers. No medical exam is required as part of the application process but there are some medical questions on the application to qualify for coverage. This type of coverage is available in Whole Life, Universal Life and Term Life. Please complete the contact form in indicate you are interested in the Easy Issue Life Insurance. We will contact you by phone to go over your medical history to determine if there is a plan that may work for you and which insurance carrier would be the best fit. We can help you figure out just how much coverage is right for you.
Standard Life Insurance
We offer 'standard' life insurance which will require a medical exam as part of the underwriting process for higher amounts of coverage or at the underwriters discretion. .If you are in excellent health this type of coverage will provide you the most coverage at the lowest premium cost. Available in Whole Life, Universal Life and Term Life. Complete the contact form and we will provide you quotes and answer questions on how these different type plan work. Brad Shivers Insurance can help you figure out just how much coverage is right for you. On the right side of this page we also have a self-serve life insurance needs calculator you can use to help you figure out how much coverage you need.
Guarantee Issue Life Insurance
Even if someone has a serious medical condition there are life insurance plans available with not even a single medical question on the application for coverage and no medical exam as part of the application process. Complete the contact form and indicate you are interested in this type of coverage. We will contact you and go over the coverage and premium for this type of coverage.
Accidental Life Insurance
This is usually the lowest priced life insurance. There are no or few medical questions to purchase this type of life insurance that covers only death by accident. This can be a great supplemental life insurance at a very low cost for the amount of coverage purchased.