Life insurance is easy to get and easy to afford when you’re young and healthy. But the super attractive life insurance premiums you see advertised are only good for about 10% of the people out there. The other 90% get a premium increase based on age and other underwriting factors. For many people, it seems impossible to even qualify for a life insurance policy, either because of medical conditions, or because of a more risky lifestyle, like being a licensed pilot. If you’ve been turned down for life insurance before, don’t give up hope. There are many companies offering policies to individuals who might not otherwise qualify for coverage.
No exam life insurance policies are those that don’t require you to take a physical or to subject yourself to a medical exam in order to qualify. Such policies are offered individually, with the underwriting being based on a few medical questions. No physical examination is required for these life insurance policies. Other policies – like those offered to groups, can be even easier to get, and may not require any evidence of insurability whatsoever. These plans make it very easy to get life insurance with no exam and with no medical questions.
Many life insurance companies are offering life insurance policies with no medical examination these days, but you won’t see them advertising in magazines and on television. A very small percentage of insurance specialists specialize in no exam life insurance policies, but there are some out there. And just as important as finding a life insurance policy with no medical questions may be, it’s also important to make sure that the company you buy the coverage from is financially sound, because a policy is only as good as the company that stands behind it. The best no exam life insurance policy may not be the cheapest no exam life insurance policy. Be sure you know not only what kind of life insurance you’re buying, but who you’re buying it from.
If you’re a senior looking for life insurance, or if you have or have had a medical condition that has resulted in your being turned down for life insurance in the past, know that you do have options! At TermWholeLifeInsuranceQuotes, we’ve eliminated the hard work of finding the best life insurance policies with no medical questions! We leverage technology to bring you the best no exam life insurance rates and the best no exam life insurance policies, from insurance companies you can count on to be there when you need them.
We’ll instantly provide you with access to a variety of no exam life insurance policies, and we’ll work with you to find the policy that best meets your needs. Start your search today – contact one of our no exam life insurance consultants for more information!