Life Insurance No Medical Exams - What You Need to Know
By: Hadley | Posted: 23rd January 2009
Life Insurance No Medical Exams offers consumers the choice of affordable life insurance protection without having to take a physical exam or any blood tests to qualify for coverage.
Due to the technology of the internet life insurance companies can now decide if you qualify for a life insurance policy almost instantly. You just answer a few health questions and within minutes you know if you can buy your policy direct online.
Life insurance with no medical exams offer you a quick and easy way to buy term life insurance online without the hassles of taking a physical exam.
There are no doctor's visits, no pushy insurance agents to meet with, no long mailing delays and same-day coverage may be available for qualified applicants.
Now you can get quality, affordable life insurance protection for your family without the lengthy delays or hassles.
In the past, it would take up to 2 months for you to go through the application process, underwriting of your application, take a medical exam, and then receive your policy through the mail, or have it delivered by your life insurance agent.
Once you apply for term life insurance no medical exam online and qualify for coverage, you can pay through secure payment processing online using your credit card.
Imagine, you can actually qualify for and purchase a life insurance no medical exam policy online in the time it takes to eat lunch.
There are drawbacks to life insurance with no medical exams. First, the amount of coverage available is limited to $25,000-$500,000 in most instances. So, if you need more coverage, you may have to take a physical to qualify with another company.
Next, term life insurance with no medical exams will usually cost more than a fully underwritten life insurance policy.
Because the life insurance company uses a short application process, and limits the number of health questions they ask you, they may accept some people who may not qualify for coverage elsewhere.
Or, you may be able to buy more coverage because they only ask a few health questions.
If you want a life insurance no medical exam policy that's easy, affordable and hassle-free - this may be just the type of policy for you. But, it's good to consider your options before you buy.
There are a few companies offering instant approval online for life insurance with no medical exams.
To learn more and request a free quote, Please visit Life Insurance No Medical exams
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