No exam life insurance can make simple what could otherwise be a tedious exercise. You know you need to buy additional life insurance so you finally decide to take action. You decide on the plan you want and the amount. It would be nice just to answer some questions and get a life insurance policy issued but you are politely told you have to do a medical examination.
No medical exam life insurance is your answer. The underwriters in the life insurance company are within their rights to request the medical examination because they want to know that they are not insuring someone who is going to die on them the day after they issue the policy.
Most insurance companies issue impaired risk policies but they do look for the people who are in good health. Healthy applicants are definitely preferred. There are certain age limits which would qualify a person for no exam life insurance.
Insurance companies like most of all to insure young healthy people who are financially stable. In other words they have a job. Middle aged people who are in fairly good health are another favorite group. As you get older it becomes more difficult to get a preferred life insurance policy issued.
For many years insurance companies have been issuing no exam life insurance policies. The amounts they issue are between $10,000 and $350,000. If you are in the preferred groups mentioned above you may qualify for a life insurance policy without having to do a medical examination.
In lieu of a doctor poking you every which way all you need to do is answer a few questions truthfully and you will be able to obtain a policy. Life is so much easier now that some life insurance companies even allow you to give them the required information online. Some of them go as far as to allow you to print out your policy right there on your own printer. Awesome, isn't it?
Here are some of the questions you will be asked for your no exam life insurance policy.
Sounds simple doesn't it? Well it really is.
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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.