No Medical Exam Term Life — Is it Good For You?

When we used to apply for life insurance, especially larger face value term life insurance, we always knew we had to go through some sort of physical exam. It might mean a visit to the doctor, or at least having a para-medical exam where a tech would come and weigh us, measure our height, and perhaps take body fluids like urine or blood. The life insurance exam could be intrusive at the worst, and even at the best it could be uncomfortable and inconvenient!

Quote Life Insurance With No Medical Exam now, because many more insurers are willing to write life insurance, sometimes up to $400,000, without forcing most applicants to go through a medical exam. We can even run through an online quote form and receive competitive prices which makes our initial shopping process much more convenient than having to sit down with an agent to get a price! Then, when you are ready to buy, you may want to consult with an insurance agent.

Now many insurance agents may still advise you to go through an exam, or at least agree to provide urine samples. This is because some companies will require this before they offer you their very best rates. However, a majority of people will not qualify for those rates anyway, and may be better off just finding a simplified issue life insurance policy.

If you have some personal reasons for avoiding a life insurance medical exam, consider a senior life insurance policy. Actually, you can look into a senior type plan even if you are not elderly. These plans are designed to accept people with a minimum of health questions.

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Life Insurance

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