Term Life Insurance With No Medical Exam
Get up to $500,000 of term life insurance with no medical exam in less than a day.
Start your quote now by clicking here.
In 15 minutes or less you can enjoy the peace of mind knowing that for the next 10 to 30 years your family will be provided for in the event of your untimely death. Follow these few simple steps to see if you qualify for instant coverage of up to $500,000 of term life insurance with no medical exam; all in less than a day, online, or by phone.
- Simply use our secure online quoting tool.
- Create your own personalized life insurance quote.
- Answer a few health questions.
- Its simple, quick and convenient.
And remember, there is no medical exam, and no waiting for paperwork. Start your quote now by clicking here.
Life Insurance with no medical exam - Reasons to consider it
Buying life insurance can be one of the most important types of insurance a person can purchase in their lifetime. Sometimes, depending on your life situation you have good intentions of wanting to buy life insurance coverage. However, if you are uncertain about what a life insurance exam would reveal you may be hesitant about actually purchasing it.
In this case, life insurance with no medical exam may be the perfect solution for you. In fact, it may be the smart thing to do. By purchasing a life insurance policy that requires no exam or blood draw, you avoid the possibility of the insurance company picking up abnormal or unforeseen health conditions that only an exam would reveal. Once you have a policy in hand it cannot be taken from you.
Non Medical Life Insurance
Buying life insurance that requires no exam means less hassles when applying for life insurance. Non medical life insurance means...
- Quick and simplified life insurance application process
- No medical exam
- No blood draw
- Policy issued in less than a day if approved
- Great rates
How does a life insurance company underwrite a life insurance policy with no exam?
By not requiring an exam, blood, or urinalysis an insurance company has to rely on other ways to determine if an applicant is insurable. In addition to the more obvious things such as age, height and weight, health questions, and smoker status there are additional resources that insurance companies will use. These will normally include…
- Motor Vehicle Report (MVR)
- Medical Information Bureau (MIB)
- Medical records from your Physician
- Prescription Drug Database (Milliman IntelliScript)
Life insurance with no medical exam can be purchased as temporary (term) or permanent life insurance (whole life). The definitions of these two general classes of life insurance are:
- Simplified Issue can be purchased as either term or whole life, and you will be required to answer medical questions. Medical records may be required by the insurance company. In addition, information from the MIB, MVR, and RX database will be obtained for the purpose of underwriting your life insurance application.
- Guaranteed Issue Life Insurance requires that you only answer a few medical questions. Medical records are normally not required and your acceptance is based upon your answers to these questions. This type of policy is typically issued to the senior market, or to people that are generally uninsurable by traditional standards.
Because life insurance companies do not have the benefit of knowing what a full exam with blood work would reveal they assume a greater risk. Therefore life insurance coverage with no exam comes with higher premiums.
Who Benefits from Life Insurance No Medical Exam?
Purchasing life insurance with no medical exam usually takes less time mostly because the insurance company does not have to wait for the exam to be done and the results of the exam to be forwarded to the company. This process alone can take several weeks or longer. If you need life insurance quickly, then life insurance no medical exam is a choice you might consider. Some other reasons why individuals choose life insurance no medical exam include:
- If you have a fear of needles.
- If you are not sure or suspect that an exam with blood draw would bring to light a medical condition that would prevent you from obtaining a policy.
- If your religious beliefs keep you from getting medical examinations or other medical tests
The Smart Solution
If you have concerns or maybe you're just unsure what an exam would reveal, one option would be to purchase an affordable life insurance plan that requires no medical exam or blood draw. Its fast, simple, and easy to apply. Click here to start your secure life insurance quote. No hassles. You may also call our office at 888-564-7662 . We will be happy to assist you in any way we can.
For more than 25 years, NISONA has been helping individuals like you find the best life insurance no medical exam rates and coverage. For a free consultation, please call us today at 888-564-7662.