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You may be able to qualify for up to $250,000 or more of term life insurance online without having to take a physical exam. Some insurers offer you instant issue life insurance with no physical. You answer a few health questions and they decide within minutes, based on your answers, whether you qualify for the life insurance coverage. You may be able to apply for the policy online, pay your first month's premium using your credit card, and begin your coverage the same day. It depends on the insurance company. Buy an insurance coverage whose total sum insured is less than or equal to free-cover limit or non-medical limit.

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