Life Insurance No Medical Exam For A Hassle-Free Coverage

2007-03-08 10:33:40

( Insurance )



Applying for life insurance can be annoying. Often, you need to answer a long list of questions about your medical history and lifestyle and undergo a physical exam. Sometimes you may need to provide blood or urine samples for testing.

You may think that these tests are intrusive into your personal life. And so life insurance companies offer a new product that does not require a medical exam. Indeed, the Internet has changed the traditional way of buying life insurance. You don’t need to tap the services of medical insurance brokers because you can now purchase life insurance no medical exam online.

Life insurance no medical exam (also called guaranteed issue or simplified life insurance) provides you the same benefits if you purchase a life insurance with medical exam. But because the medical exam requirement has been dispensed with, the premiums for life insurance no medical exams are generally higher. Even so, you can buy this product quicker and hassle-free.

Note that not everyone can purchase life insurance no medical exam. Upon application for a life insurance no medical exam, you still need to answer questions regarding your health history and your family’s. If you have suffered serious health issues such as HIV/AIDs, cancer, heart disease and the like, you may be disqualified to buy life insurance no medical exam.

Make sure you fill out your application honestly. Be aware that if you don’t answer the health questions truthfully, your beneficiaries may not be able to claim the proceeds from your policy due to misrepresentation.

Insurers like kaiser medical insurance and mega life and health insurance differ in their eligibility requirements and terms and conditions with respect to life insurance no medical exam policy. You may need to research and request for life insurance no medical exam quotes to find out if you are eligible.


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