life insurance without medical exam or questions

There is no need to take a medical exam in order to obtain life insurance. There is no waiting time, the application is straightforward and may make it easier to be approved. You could be eligible for coverage you don't normally have because of pre-existing illnesses or work in dangerous occupations (e.g. firefighter, contractor, racecar driver). However, choosing a policy which doesn't require you to undergo a medical exam might increase your premiums and limit your coverage.

Only a few life insurers offer no-exam policies for life insurance. These companies often have a very low benefit ceiling. This means that the maximum amount you can receive is very low.

Based on the type of life insurance you choose, the cost of no-medical exam life insurance will differ. Life insurance policies like guaranteed issue or whole life will usually have higher premiums than term life policies that can accrue cash value. You will also need to consider the coverage you choose. To determine the cost of a no-medical exam life insurance policy, you should get a quote from an agent or request one.

Certain life insurance policies may not require a physical exam. Get fast, affordable coverage without a medical exam.

This can be a great help. Ask your agent.

However, it is important to ensure that your beneficiaries are provided for in certain areas. Family members can feel many strong emotions after the death of a loved member. Funeral costs can be overwhelming. People who do not need to pay a large sum to their beneficiaries can arrange for life insurance to pay for their funeral expenses.