Can I Get Term Life Insurance With No Exam?
Article by Ruslan Rabichev
Do you want health insurance, but hate hospitals? Are you already ill? Do you just not have the time to bother with a medical exam? Well, in all honesty, the answer is yes, it is very possible to get term life insurance without having to do a medical exam. Most insurance policies do require a medical examination, but some companies do provide no exam term life insurance. If you are already sick or just do not like doctors or examinations, then that may be the perfect choice for you.Medical exams typically require a blood test, a urine analysis, a blood pressure reading and some questions being answered. With the insurance policies that do not require an exam, all they do is ask a few questions and then they will give you your quote and get you set up with your new insurance policy. Some companies do not even require you to answer any questions about your health or anything.When we compare life insurance policies, we notice that the companies who are not having you answer any questions are limiting your benefits. This is because they do not know your health risk. Some no exam term life insurance policies can cover up to two hundred and fifty thousand dollar policies, but most are around the one hundred thousand dollar policy range. If you wanted, you could even find policy amounts closer to the twenty-five thousand dollar to fifty thousand dollar range.It is important to get quotes from multiple companies when you are purchasing life insurance because it will give you more options when it comes to the policy amounts and premiums. You can shop around online or by calling various agencies to get quotes, but the easiest way to get through all of the hassle is to hire an insurance broker to do it for you. They will do all of the work of searching around for you and then supply you with the information they have gathered. The broker just needs to know if you want no exam term life insurance or not, for how long and what amount you would like the policy to be for.Every year the costs for funerals rise. Even in death, there are still taxes to pay as well. These days, finding jobs when you do not already have one can be pretty difficult, especially when you have not been working for a while so that you could focus on raising a family. A life insurance policy can safeguard against the issues that arise when someone passes on. Life insurance policies that do not require an exam are great, even for people who are in pristine health. These policies are a hassle-free way to get the coverage you want and need. Typically, finding these policies is pretty quick and convenient, especially with the Internet at our disposal. When things are that convenient, there are no excuses for not getting them done.
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