Why should you consider No Medical & Simplified Issue Life Insurance?
- You have some health problems
- You’re hard to insure
- You have a dangerous job or dangerous hobbies
- You don’t like needles or medical exams
- You just want your coverage fast
Should You Consider A No Exam Policy?
If you’re looking for coverage fast and without the hassle of a medical exam or accessing your medical records, then a no exam life insurance policy may be right for you. Just note that typically you’ll be paying a little more for this convenience. So there is a bit of a trade off.
We also suggest life insurance with no medical exam if you’re healthy and haven’t seen the doctor in the last few years. You never know what your next check-up will bring up – even common things like elevated cholesterol or blood pressure can raise your premiums above those of a no exam policy.
The best no medical exam policy will depend on YOUR unique risk since each company has different underwriting guidelines.
You can buy a term life insurance policy up to $250,000 with no blood tests or medical exams. No matter how much life insurace you need, $50,000; $100,000; $150,000; $200,000; $250,000;, if you are a male or female, smoker or non-smoker, we can help you.
Save hassles and your privacy with a No Exams or Physical Life Insurance Policy. If you are afraid of the doctor, and hate physical exams, this is the term policy for you. Maybe you do not want to disclose that you are an occasional recreational drug user (pot, marijuana, etc.), this is the life insurance for you.
This type of life insurance is often called “guaranteed acceptance” because pretty much everyone is guaranteed coverage.
All you have to do is answer a few medical questions. If you pass those questions you’ll be able to get the insurance without taking any physical exam. The companies will verify that your answers are accurate and then you’ll be insured. Pretty simple.