Life insurance no medical exam. If you are in the market for life insurance but can't seem to find the time to take care of the details a no medical life insurance policy may be what you need.
Life insurance companies realize that there is a large amount of business they would get from people with good intentions that otherwise is lost because these people are just simply too busy to take a medical.
They assume these people are in good health so they found a way
to tap this extra business. Make no mistake these companies are very
They ask the pertinent questions online and if the applicant qualifies they issue a policy. Not all applications are accepted.
Some people may be under the mistaken opinion that they can get
one over on the life insurance company, they can't. Although they do no medical. they do check to make sure that the applicant is truthful.
It seems to be working pretty well as these companies have been marketing term life insurance no medical exam required up to age 65 for quite a while now. No exam life insurance has always been available at younger ages.
In recent years, however, it has become available online
to people up until age 65. Why? The advancements in medical science have
afforded people an opportunity to live longer.
More people take the time to exercise on a regular basis and they eat better than they ever have.
As a direct result they live longer. The life insurance carriers are aware of this and thus they offer non medical life insurance at older ages. How do you qualify?
If you are between age 18 and age 65 you can apply online for up to $250,00 or $400,000 term insurance, depending on the carrier, without having to do a medical.
You just need to answer a few pointed health questions. This policy is renewable up until age 95 without any evidence of insure-ability.
The process takes about 15 minutes and you can print your policy right there online if you qualify. Now, isn't that amazing? Your family will be instantly protected and you can go ahead with your busy life.
Apply for up to $400,000 life insurance - No medical exam required.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.