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Home Page > Finance > Insurance > Best Life Insurance Without a Medical Exam

Best Life Insurance Without a Medical Exam

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Posted: Jan 19, 2011 |Comments: 0
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Getting the best possible price on life insurance without a medical exam seems to be fairly easy. You can just go online, enter your personal information into a quoting system, get a quote then apply. Not really! There is a big difference between getting a quote and getting approved. There are so many no exam life insurance companies that getting the best life insurance plan without an exam may take a bit more work than you expect.

For example, we had a healthy man who called us to get a quote for life insurance. We gave him some quotes but he said he got a better rate online. About one hour later, he called us back and told us that the great quote he had gotten online had almost tripled after he had filled out the online application. He said he could not understand as he had answered no to all the health questions and should have been able to qualify for the lowest rates. We explained that, what most likely happened was that he had an MIB (see our MIB article) or some other record that may have brought his rates up. We had also warned him that the company he selected often gave very low quotes but final rates were often much higher after the application had been filled out. What to do?

That is when a good insurance consultant comes into play. The agent needs to have a good knowledge about no medical exam life insurance and should have access to several companies and plans. To find you the best life insurance without a medical exam, he/she should ask you questions about your personal history and about the length of time you will need the insurance. He should also help you help you narrow it down to the no exam life insurance plan that is most likely to get you an approval at lowest possible rates. And not just the one that quotes the lowest.

A word of caution, do not disregard plans that require a paper application. Very often, these plans are better priced and easier to get approved on – particularly if you have or have had health issues. Having to fill out an application does not always mean that medical records will be ordered but it is more likely. If you don’t want to wait for your medical records to be ordered, make sure to mention it to your agent that you do not want a company that orders records. If you want the best life insurance without a medical exam though, sometimes, requesting medical records will get you qualified for better final rates (although underwriting may take much longer).

We hope that this short article will help you get the best possible rates in no exam life insurance. As we say with all of articles always ask, ask and ask as many questions as you need to before making a final decision and after you have received your approved policy. Feel free to ask us questions. Be well.

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Philippe Deray -
About the Author:

Philippe Deray – About the Author:

Philippe Deray is President and CEO of MCD Financial Services and MCD Life. Our web site address is http://www.mcdlife.com

Company Profile

MCD Life is a successful, dynamic company built on the principal of serving our customers FIRST! Our primary mission is to bring peace of mind to our clients by offering innovative, value-added products and information that place emphasis on short and long term benefits, benefits backed by selected companies with high quality assets and written guarantees.

Our Focus is No Exam Life Insurance

With many years of experience in the insurance business, we have developed proprietary methods to help individuals get affordable insurance. We offer term insurance, whole life and universal life insurance. We will make this process as simple as possible and get you an answer as fast as possible.

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I work on the cruise ship and becouse offhard work and trying to stay fit i took steroids.In few days i need to do normal medical exams plus drug tests but no steroid exam.Is It gonna show on the test
Plz advice if my son can have medical exam 2nd time within a month; because the 1st physician is making big mess with our report because my son had Hepatitis C as reactive but at very initial stage
What other type of insurance i can sell with my life insurance license?

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