Aspire life insurance is a new type of insurance designed to help you plan for and protect your future. It offers a way to do this through cash value on a pay-per-use basis and the benefit of no health questions or medical exams. Aspire was created by top insurance professionals and it is just right for those who are looking to protect their future with care in mind.
What is Aspire life insurance?
Aspire life insurance is a new type of insurance designed to help you plan for and protect your future. It offers a way to do this through cash value on a pay-per-use basis and the benefit of no health questions or medical exams. Aspire was created by top insurance professionals and it is just right for those who are looking to protect their future with care in mind.
How much does this life insurance cost?
Aspire costs around 50% less than traditional life insurance because it doesn’t require medical exams, health checks, or pre-approval for coverage. Your rate will be based on factors like age and habits, but it’s a lot less expensive than other types of policies.
How do you qualify for coverage?
To qualify for Aspire life insurance, you’ll need to be 18 years or older and have been a US resident for at least two years. Then, all you’ll need to do is answer a few questions about health history that only take minutes to complete. If there are no red flags in your answers, then you’re immediately eligible to apply!
What if I’m not eligible?
If you don’t meet the eligibility requirements at this time, don’t worry. You won’t be charged for the product, and you can add Aspire life insurance to your portfolio at any time. To learn more about the process, visit www.aspirelifeinsurance.com
How do I apply?
You can apply by visiting Aspire life insurance website, where you’ll find a complete application form that takes no more than 10 minutes to fill out in total (or less). You will also have the option of filling out some additional questions on your telephone so that we have an accurate idea of your situation and lifestyle. When you are done with the application, we’ll send you further instructions and a confirmation that your application has been received by us.
Can a diabetic get life insurance?
Yes, but they will probably have to purchase it online or through a broker because most life insurance companies still require a medical exam. Aspire is the first life insurance company that doesn’t require a medical exam, so it allows people with diabetes to get coverage.
How do I use my Aspire policy?
You can get benefits from your Aspire life insurance policy in one of two ways: by drawing cash value (through a loan or withdrawal) or by choosing to convert the policy into term insurance. It’s also possible to do both at once- this will allow you to draw from the hybrid cash value and also have any amount that exceeds it converted into term insurance.
What can I use my Aspire policy for?
Your cash value is protect for as long you keep your policy in force by Aspire’s guarantee. Which states that if your cash value reaches a certain amount within five years. We will pay the difference to you. You can also withdraw the cash value anytime you want, but only from the date that you receive your policy.
How can I protect my future with Aspire?
With Aspire life insurance, you get the benefit of no health questions or medical exams. Because all it takes to be insured by us is for you to have good credit and a current state driver’s license. This means that you’re able to take advantage of the peace of mind. That comes from getting life insurance without having to undergo a health exam or answering questions about your medical history. Aspire is high-quality and affordable life insurance. So you can use it in place of traditional policies or add it to your current portfolio.
Benefits of life insurance
People who have life insurance such as Aspire life insurance tend to enjoy peace of mind and a sense of security. There are also other benefits to getting coverage that you may not have considered- they can include:
Immediate cash value- people often purchase life insurance policies as a way to get instant cash value. But with other types, it can take weeks or even months for you to get access to the money.
A longer term policy – with some policies, you’ll be required to renew them every year or two. But if you’re using Aspire, you won’t need to worry about this. Because your policy will be fully pay after 20 years.
No health questions – having no medical exam or questions about your medical history. Means that you can save time and money. Because you won’t have to pay for a doctor or get quotes from medical examiners.
No pre-approval is required – this will allow you to take advantage of the policy as soon as you’ve got it. While others will often require a minimum amount of money. Which can make purchasing a policy without getting quotes a difficult process.
What kind of coverage does Aspire offer?
Aspire life insurance offers Variable Universal Life (VUL), Pay-Per-Use, Universal Transfers to Permanent Life Insurence (UTP), and term insurance. There are different types of coverage available. But most are in the same category when it comes to the cost and benefits. You’ll also get access to educational tools to help you understand how your coverage works. So that you’re able to make an informed decision about it.
Universal Transfers – this type of policy doesn’t require a medical exam. And it allows for automatic cash value withdrawals on a pay-per-use basis.
Pay-Per-Use – you can use your cash value at any time with no pre-approval needed. But there is a fee associate with this.
Term Insurance – The most common type of coverage and it is paid for over a period of time. The cost depends on how long you want to pay into the policy. It’s usually less expensive than other types, but it won’t be as flexible.