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. One source of information is the Medical Information Bureau.
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 $500,000 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 $500,000 life insurance - No medical exam required.
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