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No Medical Exam Life Insurance
Many people put off getting life insurance because they
don’t have the time or the inclination to get a medical exam. There are now
companies that offer no exam life insurance to healthy individuals.
If you don’t have any serious medical conditions such as
HIV, cancer, or diabetes than you will probably qualify for no medical exam
life insurance. In fact, most people without health problems do.
When you decide to purchase no exam life insurance you’ll
probably first want to receive several quotes from insurance companies. This
allows you to have a wide range of options. The quotes for no exam life
insurance will include the amount of the insurance along with the monthly
premiums you would be expected to pay.
Many insurance companies do offer no exam life insurance
but you’ll find that the benefit amount is less than if you decided to get life
insurance that did include a medical exam. However if you’re not looking for a
large policy than no exam life insurance is really a good choice.
You can get quotes by contacting an insurance broker. He or
she will take down your information including the amount of insurance you are
looking for. They will then contact insurance agents from different companies
to receive quotes for the no exam life insurance. Once they’ve done this they
will supply you with the information. From this you can choose the company that
best suits your needs.
If you already deal with an insurance company you can
contact them and have them refer you to an agent who handles their no exam life
insurance policies. Again, they will collect your information and then give you
a quote.
When you do decide on a policy there will be some documents
for you to sign. One of these will be a medical form in which you’ll be asked
specific questions regarding your medical history. It’s vitally important that
you are as forthright as possible when filling out this questionnaire. If you
do pass away from a pre-existing medical condition that you didn’t divulge on
your medical form, than your insurance policy might be void and your benefactor
won’t receive anything.
Life insurance is an important investment and if you are in
good health than strongly consider applying for no exam life insurance. It’s a
fast, convenient and hassle free way to get the coverage your family will need
in the event of your death.
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