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 applications for life insurance with no medical exam.
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 apply for this product you'll probably first want to receive several life insurance quotes for no medical exam coverage. 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.
How to Get Life Insurance Quotes with No Medical Exam
You can get quotes for life insurance with no medical exam 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 financial tool. If you are in good health, you should strongly consider applying for life insurance with no medical exam. It's a fast, convenient and hassle free way to apply for coverage to protect your family.
Get life insurance quotes with no medical exam today.