No Medical Exam Life Insurance

No medical exam life insurance is exactly what it sounds like- life insurance that does not require any type of medical exam. It is generally a short application with a series of health questions and, if you can answer no to the health questions, you have a good chance of getting approved.

You have to be in pretty good health for a life insurance policy with no medical exam. That means you cannot have any major pre-existing conditions. Some conditions are considered would be minor cholesterol issues or high blood pressure. Most companies will want to know that you are only taking one medication for control of those health issues. Your height and weight are also considered. If you are obese or overweight, your chances of being approved are very unlikely, but there are other options for you.

A life insurance policy that does not require a medical exam will cost more than a traditional policy. This is due to the fact that the carrier cannot fully verify your health, so there is more risk to them. They make up for that risk by charging more for the life insurance. For some, it's worth it for the convenience, while others may decide to go through with a life insurance medical exam to get a lower rate.

Overall, these are good policies because they are convenient. If you are in general good health and you don't want to go through with a medical exam, then this may be a good option for your life insurance needs. It is best to compare your options between non medical exam life insurance and a fully underwritten policy. Get a free quote today to compare rates for your situation.

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