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Get A Term Life Insurance Policy Without A Medical Exam

No exam Life Insurance

 If you are looking for Life insurance and you have one of the following conditions:

HIGH BLOOD PRESSURE, DIABETES, SLEEP APNOEA, HEART DISEASE, ASTHMA, CANCER, WEIGHT-RELATED CONDITIONS, ORGAN TRANSPLANTS, MENTAL HEALTH CONDITIONS, AND HIGH CHOLESTEROL You will be DECLINED. YES, More than likely you will not get the coverage you are looking forward.

That’s where we come in. We specialize in No Medical Life Insurance. Sometimes called Life insurance No Medical Exam. Or commonly referred to as Guaranteed Life Insurance.

While there are many different insurance options, no exam life insurance has several important benefits specifically for persons with medical conditions.

There could be many reasons for the popularity of this policy type, but it is certainly proven to be the policy of choice for those that need less stringent stipulations even if they do mean paying a higher premium.

Offering a premium that is not attached to a scathing medical examination is not a new concept, but the modern citizen is in better health and with improved life expectancy than were common twenty or even ten years ago.

This trend in better health has encouraged insurance providers to offer term life insurance without a medical exam to most persons at a better price.

This trend in better health has encouraged insurance providers to offer term life insurance without medical exam to clients at a better price.

 With a senior citizen’s no exam insurance policy, things are different. The insurance company does not apply such severe guidelines to their policy premiums.

Insurance companies will typically rely on the age of the applicant and the answers to some more important health related questions as well as a few other non-medical issues that could influence the ideal rates for the benefits provided.

How long is the policy valid for?

The coverage found here is a lot like that found in term-life insurance, where the applicant is provided with coverage for a specific amount of time. This could be ten to twenty years or more depending on the insurance policy.

There are some distinct advantages and disadvantages associated with this type of policy.

When is Life Insurance without Physical Exam Considered the Best Option for Clients?

The Current of Health Conditions:

Those who have undergone serious health issues in the past may find that term life insurance with no medical exam would be the only choice they have.

Those that have long lasting health conditions, such as diabetes, arthritis or heart conditions may also benefit from the no exam life insurance policy.

Better Premiums:

Many of the most reputable insurance providers offer very competitive rates over their competition. This is a good reason to choose no exam life insurance specially for the seniors over 50 years of age. Lower premiums add intrinsic value to the policy providing coverage.

So, finally…

With the no exam term life insurance, the underwriting process is faster, and the benefits can even be enjoyed by the following day which is a real opportunity for  people looking for coverage.

Of course, you will still need to take the time to compare the premiums, coverage and policy details as well as arrange payments methods for the policy you choose. But this is a straightforward process and requires little paperwork.

To the right on the page you will find our quote engine for “ No Med or No Exam Life Insurance” quote go to the quote form on this page.