Take It Easy - Term Life Insurance No Physical Exam

There are literally hundreds of online companies offering term life insurance with no physical examination required. While these policies may sound appealing on the surface, it's critical to read the fine print. Some no medical exam policies will require that term life applicants pay exorbitant monthly fees or undergo physical exams down the line (e.g. one to five years from now). Others simply won't provide benefits or will strip benefits from you rapidly as you get older.

That said, if you suspect that you have a pre-existing medical condition, or if you're unsure that the results of an exam will come out in your favor, it may be wiser to forgo the procedure. After all, insurance carriers do share information. There is actually a dedicated group, called the Medical Information Board (MIB, for short) which passes around client information, ostensibly to prevent applicants from gaming the system.

Unfortunately, the MIB can also ostracize certain patients and make it much more difficult for them to get quality insurance. If you're looking for well-suited term life policies, there is no need to rely on "interested parties" to parse listings and locate quotes for you. The professionals at EFinancial.com have the experience, objectivity, and technical know-how to locate the right term package for you--all it takes is a simple phone call to 866-765-4296 or a three-step email application process.

If you do have to get a physical to qualify for insurance, check out the site for ideas to save money and reduce stress. Try to schedule your physical early in the morning or even on a Sunday. Avoid coffee, soda, alcohol, and heavy, sugary foods prior to the exam. Finally, sleep well and even do breathing exercises to relieve stress.