How to Purchase Life Insurance With No Medical Exam
There are many reasons why some people put off purchasing a life insurance policy. Some believe that they won't qualify, while others don't think they need it. The majority of people, however, feel they don't have the time and or may be hesitant to have a medical examination – a qualification required for most life insurance policies.
If you don't want the hassle of a life insurance medical exam, there are still ways for you to purchase a high-quality life insurance policy. As long as you don't have any serious medical conditions, you will most likely qualify for a "non-medical exam" policy, also known as simplified-issue life insurance. In fact, many very healthy people choose this type of term life insurance coverage for the convenience.
Obtaining one of these life insurance policies is easy and there are many ways to do so. One way to purchase this type of policy is through the Internet. A number of companies are now offering insurance with no medical exam as an option on their web sites. No blood or urine tests are required, meaning it's no hassle for you.
All you have to do is fill out a quick form with current and accurate information to see if you qualify. If you do, different policy choices will be listed – including premiums and the amount of coverage available to you. You can then purchase your policy on the spot; a 100% internet-based purchase. You can also call the toll-free number listed on the site(s) shown here and speak to a professional agent who will quickly handle your purchase.
Here are links to our sites for non-medical, instant issue term life insurance:
When you select and apply for your simplified-issue life insurance policy, you will be required to provide your application information to the insurance company. The application will include a medical form with specific questions about your medical history. You must be as accurate and honest as possible when filling out this form. If your death is determined to be from a pre-existing medical condition you didn't disclose on your medical form, then your insurance policy could be voided. Although extremely rare, your beneficiary will not receive anything in this case. Honesty is very important.
It should be noted that in today's life insurance marketplace "no medical exam" coverage is available up to $1,000,000 (One Million Dollars) for many age groups.
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