Receive Life Insurance Without a Medical Exam

If you’re worried about being denied life insurance of getting stuck with premiums that are too high, you might benefit from getting life insurance without the medical examination.

Getting life insurance usually involves a medical exam. However, this is a part of the process that many people don’t really like. They may see it as too intrusive, having to share their full medical history and exam results with the insurer. Furthermore, undergoing the examination means booking an appointment with a doctor, which can take several hours. Obviously, this isn’t an easy thing for someone that has a tight schedule. However, it’s now possible to obtain life insurance without medical exam, right from your home. Here are some of the main advantages of doing so:

1) It’s quick and easy

All you need to do is to fill out a form with your basic personal information. Sometimes you may need to answer a few short questions about your health, but there aren’t usually any documents that you need to submit. This makes the whole process very fast. In fact, you can sign up for a life insurance policy in just a few minutes.

2) You have a lot of choices open to you

There are plenty of insurance companies that will provide a policy without the need to go to a medical exam. In fact, there are hundreds of them operating all over the nation. This means that you’ll be able to find a policy that suits your needs in terms of coverage, while at the same time keeping the premiums at an affordable level.

3) You don’t have to leave your home or meet with anyone

Everything can be done online. Therefore, you won’t have to meet with an insurance agent, and no salesperson will visit you at home. This not only saves you time, but also allows you to make a better choice in terms of which company you go with, and what type of policy you select. You won’t have to deal with a salesman trying to “up sell” you into a more expensive policy that you may not really need, and you have all the time that you need to compare offerings from several companies before you make your final decision.

4) You’re unlikely to be denied coverage

Some people don’t like to undergo the medical exam because they fear that they’ll be denied coverage if they’re not in perfect health, or they’ll be assessed much higher premiums than what they would want to pay for their insurance. You can find companies that can insure you without even asking you any health related questions. The only question that is commonly asked is whether you currently smoke, which will increase your premiums. A guaranteed acceptance life insurance policy means that as long as you meet some very basic criteria, such as being under 75 years old, you will qualify for insurance, and can put the fear of being turned down behind you.

Posted by on Nov 19, 2012 in Blog | 0 comments
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