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Most Life Insurance companies require you to have a mini exam as a requirement for coverage. This exam usually comprises of taking your height/weight, blood sample, urine sample and a few background health questions. After the exam is completed, the fluids are sent to a lab and then all information is forwarded to the carrier's underwriting department for consideration. Insurance companies will do this to get an overall picture of how healthy you are and what kind of lifestyle you live. Those who go down this route usually get No Exam Life Insurance due to convenience or because they haven't seen a doctor in a few years. To qualify for No Exam coverage, you generally need to answer 7-10 health questions.
A couple good sites to visit are:
www.nonmedtermlife.com
www.crosslandfinancial.com
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Where can one get a life insurance with no medical exam?
You can get life insurance online without a medical exam. Some websites you can go on to get life insurance without a medical exam are AnicoDirect and Efinancial.
What would be the cost to get no medical exam life insurance?
The cost to get no medical exam life insurance is about $500-1000 a year.
Is no medical exam life insurance cheaper than the other kind?
It depends, for you go for the life insurance with exam and you are not helthy, it is going to be more expensive than the no medical exam life insurance, but if you are helthy it is going to be cheaper.
Is it possible to get life insurance with no exam?
There are many Insurance Companies that will offer life insurance policies without a medical exam. However, the rates will most likely be higher than you would pay for a life insurance policy from an insurer requiring a physical exam.
Is there any life insurance that does not require a physical exam?
Yes there is. Mutual of Omaha is a reputable life insurance company that does not require a physical exam.
What companies offer life insurance with no medical exam at a good price?
MetLife offer life insurance with no medical exam at a good price
Can I get life insurance with no medical exam?
Yes you can. Americanlifepolicy.com offers up to 500,000 of life insurance with No medical exam, just a few health questions.
What insurance companies offer no medical exam life insurance?
Check with equote.com for no medical exam life insurance. MatrixDirect.com may also be able to help you with that type insurance.
Which insurance companies offer term life insurance with no physical exam required?
Allstate insurance offers term life insurance with no exams.
Shopping For No Exam Life Insurance?
Life insurance companies offer no exam life insurance policies and comparison quotes over the Internet all the time. Life insurance brokerage companies work with life insurance providers to make no exam life insurance policies highly available and because these brokerage companies work for multiple life insurance providers, they can often make comparing policies very simple to do. What is no exam life insurance? The term no exam refers to no medical examination. Life insurance providers are betters, and the like to bet on winners based on a set of statistical scores that indicate whether a person is more or less likely to die based on their medical history. For that reason, many life insurance policies require a medical exam, but for people with a problematic medical history or those who have pre-existing medical conditions, it's not possible for them to qualify for a life insurance policy that requires a medical exam. Therefore, many life insurance providers have designed no exam life insurance policies to cover people who either don't want to or can't take a medical exam and be qualified for a life insurance policy. To shop for no exam life insurance, a person can either work with an agent or do their own research using the Internet. A simple search engine search for 'no exam life insurance' will yield a vast number of results, but you may find it's best to work with the recognized life insurance broker companies as they have access to a wider number of life insurance policies and can make comparing no exam life insurance policies much easier to do. After you find a list of no exam life insurance policies you may qualify for, you'll want to determine how much life insurance coverage you need and what type of coverage you need: term or whole. A term policy covers the insured for a period of time – the term of the policy. A whole policy covers the insured over their entire life as long as premiums are paid. Term policies by default require less in premiums than whole policies.
Are you required to take a physical exam to purchase life insurance?
Not all insurance companies require a physical exam to issue life insurance. You can get up to $400,000 life insurance without a medical exam, depending on age and health issues. There are also guaranteed to issue policies, that will issue up to $35k - $50k even if the client has pre-existing conditions. These are called Final Expense life insurance.
Where can I get a quote for term life insurance with no physical exam online?
primequote.com and efinancial.com both specialize in term life insurance quotes, including those that don't require an exam.
