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whats up everyone Im David from term insurance brokers just wanted to talk today a little about how the corona virus is impacting peoples ability to buy life insurance right now as we have been getting a lot of questions about how it can impact your ability to buy a policy in the first place part of it depends on whether youre younger or older and healthier versus more unhealthy if youre younger its actually becoming a little bit easier to buy a life insurance policy right now because most insurance companies are expanding their options for people to qualify for coverage without any type of medical exam often times theyre allowing up to normally its 1 million dollars now theyre allowing up to 2 or 3 million dollars without any type of medical exam all you have to do is complete a phone interview with the insurance company and they may order your medical records or they may not but if they dont you can typically expect a policy approval within a week or two if they do order an