Plan B? Life Insurance Without Exam
There are a number of good reasons for wanting to purchase life insurance that
doesn't require an exam--and a few bad reasons, as well. Among the good reasons
are convenience, speed, and privacy. When you purchase a no-exam policy like
the RBC Express TERM™ life insurance plan from RBC Insurance, you can be
fully covered just 15 minutes after filling out your online application at
RBClifedirect.com!
If you need life insurance coverage fast, this is a great way to do it--you just
can't get any quicker than 15 minutes. Since most of the term life insurance
plans available through EFinancial require a medical exam, the RBC Express
TERM™ plan is truly unique. Because it offers up to a 150,000 dollar
death benefit, it's also reasonably powerful. A no-exam insurance plan like
this would make a good stand-alone plan, but it would be even better as an
addition to another term life insurance plan with a larger death benefit.
If you find that you keep postponing the purchase of life insurance because you
just can't make time for the medical exam, no-exam insurance is a smart
solution. Some insurance buyers who are private--even shy--prefer the no-exam
life insurance policies because these innovative plans allow them to maintain
their privacy. (These buyers may wish to speak with a licensed agent at
1-866-765-4296 to discuss the medical exam. These exams are usually very
unobtrusive, quick, and modest.)
The only bad reason for wanting no-exam term life insurance is the desire to
hide a medical problem. Because insurers have access to your medical files, you
can't "hide" a documented medical problem from them. For the sake of your
beneficiaries, it's best not to try.
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