affordable life insurance no medical exam

No exam life insurance

No medical exam life insurance may be pursued if you have a personal reason such as a dangerous occupation (firefighter or window washer, construction worker, racecar drivers, etc.). You may also be a smoker or have a pre-existing medical condition. Life insurance without a blood test is possible if you have a fear of needles. You may also want life insurance without waiting periods and no hassle. Younger applicants are generally eligible for lower rates than traditional life insurance.

Many Americans are simply too busy to attend a medical check. It can be tedious and time-consuming.

Only a few life insurance companies offer life insurance policies that do not require an exam. Many of these companies have a low benefit ceiling. This means that you have a very limited amount of money available.

People who need life insurance quickly and do not have to undergo any exams are the best. It can take just a few days to get approval. This insurance is for those who cannot visit the doctor as often or are afraid of needles. These insurance options are also available to those who might not be able get traditional life insurance at the most affordable rates. This is life insurance that does not require a medical exam. It provides immediate coverage.

Decide what kind of policy you need, how big your coverage should be, how long you need it for, and how much. This will help you to choose the right policy that is right for you and your family.

This type of policy's premiums are typically higher than those that have a traditional health exam. You may have coverage that is between $25,000 and $300,000 depending on what your evaluation revealed. You may have simplified issue insurance written, depending on whether you have term or whole life coverage.