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Life Insurance Today

Term Insurance No Exam

It is really no mystery why life insurance with no medical has become so desired by term insurance buyers.

They simply seek the easiest and quickest way to buy their policies. Some people are just too busy to do a physical exam.

There is the occasional desperate person who tries to get over on the insurance company but these individuals are wasting their time. These carriers are very thorough.


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Life Insurance No Exam

The well thinking people who have learned about these products find it a convenience to buy no physical term insurance. They don't want to be poked by a doctors needle or have to do urine tests.

They are simply asked a few pointed questions the answers to which give the carriers sufficient information to work with. All information is verified before a policy is issued.

20 or 30 years ago it would not be prudent to sell any type of life coverage in this manner to anyone but younger people. People, however are in better health today at older ages. Why?

Medical science has advanced to such a level that enables otherwise terminal patients to live longer and live quite productive lives.

The information age! Confirming information on an individuals health, occupation and avocations used to be quite a long and drawn out procedure and the cost was just too much.

Today this information is at the fingertips of the underwriters, with the applicants permission of course. The Medical Information Bureau is used by all life and health insurance companies. A Prescription Report is additionally requested.

As we move ahead who knows what advancements will become a part of every activity. At present here is what protecting your family is all about.

If you are between age 18 and age 65 you can acquire between $25,000 and $1,000,000 coverage without having to do a physical exam. The policies offered are 10 year, 15 year, 20 year and 30 year term insurance.

Once approved these policies are guaranteed renewable up until age 95 without any evidence of insure-ability. 

It usually takes about 15 minutes to get an answer from the company and, if you qualify, you can print out your policy online. Some applicants find this acceptable, others need a policy mailed.


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