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Home
About Term 22
Receive one-on-one help from the owner
Pilots/Aviators
Find affordable term insurance when you pilot
Term Life v. Whole Life
Term life insurance is more affordable
Business Term Insurance
Find term life insurance that fits your business
States
Insurance Informaiton By States
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Smoking
Chewing Tobacco
Not all companies charge the highest term rates
Cigar Smokers
Find better rates for when you smoke cigars
Nicotine Users
Nicotine users can find better rates
Pipe Smokers
Occasional pipe smokers can save on term life
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Cancer
Prostate Cancer
Good doctors' reports make for better rates
Melanoma Cancer
Being in remission means affordable rates
Testicular Cancer
Following doctors' orders improves rates
Breast Cancer
Find the lowest rates
Thyroid Cancer
More years cancer free means lower rates
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Heart Disease
Heart Attack
Find term insurance after a heart attack
Heart Bypass
Protect your family after a heart bypass
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Diabetics
Type 1 Diabetics
Find the best possible term life rates
Type 2 Diabetics
With medical control, rates drop
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Over 50s
Federal Life Insurance
Find a FEGLI alternative for less
Pension Maximization
Term insurance maxes your pension
Life Settlement
Selling your policy to pay expenses
Estate Life Insurance
Leave loved ones financially secure
First to Die Life Insurance
Pays out when first partner dies
Second to Die
When partners don't need money
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Insurance FAQs
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- Smoking
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- Insurance FAQs
- Why should I choose Term 22?
- How does Term 22 protect my personal information?
- What is the difference between term and permanent insurance?
- How much life insurance do I need?
- What is the process for buying insurance?
- Is a Medical Exam required?
- When does coverage begin?
- When does my first premium payment start?
- How does my height and weight affect my insurance rate?
- What are company ratings about?
- Term Life Insurance Company Financials
- How do I determine my health class for premium calculation?
- What if I smoke cigarettes or use other forms of tobacco?
- Can my policy be cancelled?
- Is there a money refund guarantee?
- What if I already have a life insurance policy, should I cancel and start over or add a new policy?
Jim O'Connor is an independent life insurance agent with more than 27 years experience helping people secure the best rates on term life insurance available. Read more...
Is a medical exam required?
When applying for term insurance, you will need a medical exam that takes 30 to 50 minutes. After the exam, I finalize the best term life insurance quotes for you.
Term insurance generally requires an exam in the application process. For a term life insurance policy, a licensed paramedical will complete the exam at your home, work or another convenient location. The best term life insurance quotes depend on the results of these exams.
Term life insurance exams include a blood and urine specimen, blood pressure reading, height and weight measurements, and also a few health history questions. The term insurance exam is quick at 30 to 50 minutes and is paid for by the term life insurance company. With these term life insurance exams, I can finalize the cheapest term life insurance for you. Start finding the best term insurance policy today by emailing me, or calling at 1.800.799.0903.
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Jim O'Connor, Life Insurance Agent
PO Box 832, Tiburon CA 94920
Tel: 1-800-799-0903 Fax: 415-435-2870 Email: info@term22.com
Copyright 2011 Jim O'Connor, Life Insurance Agent
- Site Map
- | Cancer
- | Diabetics
- | Heart Disease
- | Home
- | Insurance FAQs
- | Over 50s
- | Smoking
- | About Term 22
- | Breast Cancer
- | Business Term Insurance
- | By Age
- | By Term
- | Chewing Tobacco
- | Cigar Smokers
- | Estate Life Insurance
- | Federal Life Insurance
- | First to Die Life Insurance
- | Heart Attack
- | Heart Bypass
- | Life Settlement
- | Melanoma Cancer
- | Nicotine Users
- | Pension Maximization
- | Pilots/Aviators
- | Pipe Smokers
- | Prostate Cancer
- | Second to Die
- | States
- | Term Life v. Whole Life
- | Testicular Cancer
- | Thyroid Cancer
- | Type 1 Diabetics
- | Type 2 Diabetics