Affordable Life Insurance With No Exam

A Medical Exam May Not Be Required If You Qualify

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If you are looking for affordable life insurance with no medical or physical exam required you are in the right place. Take a few minutes and let me help you get approved.

The first and foremost thing you need to think about is that these policies are issued to people who would normally qualify for life insurance. Don't think for a moment that because you are not required to do a physical you will qualify even if your health is impaired. The fact is that it is more difficult to qualify for a non medical life insurance policy than it is for one that you had to do a medical to get.

When you do a medical for life insurance and there is some indication that your health is not perfect the company asks for a blood test or urine test, they also request an attending physicians report. When you apply on a non medical basis the life insurance company may request information from the Medical Information Bureau, M.I.B, or they may request a Pharmacy Report. The latter will tell the company the types of medication you take or have taken.

These reports may or may not be accurate but they may result in a declined policy. If you are in fairly good physical condition and apply online for life insurance you are likely to get approved. The premiums are as low as the premiums for policies you buy offline and do a medical. In some cases the premiums are even lower, that is, if you can qualify.

Here is something else you need to be aware of, don't try to replace an existing policy with one you plan to buy online. Online companies are not equipped to handle this type of situation. The law in most, or all, States require that a comparison be done between the existing policy and the one you plan to buy. You are also required to spell out why you plan to cancel your policy to buy a new one. This law is for your protection. The requirements in each State are different thus the companies would be required to provide different forms online. This would be quite a chore. I hope that one day they get to the point where a standard form for all States is acceptable.

Yes you can get affordable life insurance with no medical required if you qualify.

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