The Pros and Cons of Getting Life Insurance without a Medical Exam

March 18, 2011 by  
Filed under No Medical Exam Life Insurance

The Pros and Cons of Getting Life Insurance without a Medical Exam

The Pros and Cons of Getting Life Insurance without a Medical Exam


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Home Page > Finance > The Pros and Cons of Getting Life Insurance without a Medical Exam

The Pros and Cons of Getting Life Insurance without a Medical Exam

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Posted: May 26, 2010 |



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Are you in search of life insurance with no medical exam required? Have you been looking for life insurance online, but maybe you’re frustrated with so many choices?

Why spend endless hours searching online when you already know buying life insurance is the right thing to do? And term life insurance offers you the maximum protection at the lowest rates.

Now it’s quick, easy and affordable for almost everyone to get term life insurance online without taking a medical exam. Actually, there’s a few insurers that offer instant approval life insurance if you qualify. You can apply online in about 5 minutes and find out if you qualify instantly. That’s right. No more paperwork. No medical exams. No more pushy agents. And, no more delays of between 4 to 6 weeks to receive your policy.

Today, you can get life insurance online and print your policy immediately after you pay your first premium online. You can actually get life insurance coverage “In Force” today, if you qualify. Not everyone qualifies for coverage though. You do have to be in good health, generally. But, even if you’re taking medication, or may not qualify with other life insurers – you might qualify for no exam life insurance.

Okay, you should be aware that life insurance with no exam required may cost you a little more than coverage through other insurers. But the benefits outweigh the costs for some folks. Several benefits include: Instant approval, coverage “in force” today, no doctors, no invasive needles, no medical tests, no mailing delays, no pushy insurance agents to deal with… The list goes on. However, there are two drawbacks – the premium may be a little higher. And, not everyone qualifies for coverage.

It’s easy to find out if you qualify for no exam life insurance. You just answer a few simple health questions to get your instant quotes. Then, you decide if you like the rates, and you can apply online in about 5 minutes. You usually get a response within 10 minutes as to whether you are approved for your life insurance coverage. Then, you can pay your first month’s premium online, and print your policy immediately. It’s that simple. No time delays, no mountains of paperwork and no dreaded medical exams.

Make sure to check the financial rating of your life insurer. It is usually provided on their web site. Also, paying an annual premium is usually less expensive than monthly payment options. Finally, when you buy direct online, you’re cutting out the uncomfortable sales person at your dinner table trying to talk you into the policy.

Life insurance no medical exam policies can provide the protection you need at affordable rates. It’s worth a few minutes to get instant quotes and decide if you want the coverage. There’s no hassle, and no sales pressure.

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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
I have a policy already through liberty life insurance how do i look it up on the internet

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Before Getting An Affordable Term Life Insurance Quote

March 9, 2011 by  
Filed under No Medical Exam Life Insurance

Before Getting An Affordable Term Life Insurance Quote

Before Getting An Affordable Term Life Insurance Quote


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Home Page > Business > Before Getting An Affordable Term Life Insurance Quote

Before Getting An Affordable Term Life Insurance Quote

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Posted: May 15, 2006 |Comments: 0
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Here are a few basics of what this broad subject has to offer up to any individual who wants to know more about it.

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Why should i buy long term care insurance?
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Life Insurance No Medical Exam – Interested In Getting A Free Quote?

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Posted: Apr 01, 2010 |Comments: 0
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In need of Life Insurance No Medical Exam?  You can ensure the financial security of your kids and spouse by obtaining a fitting life insurance policy.  A proper life insurance plan can help your family and dependents in a time of trouble.  Your dependents’ financial welfare will be protected by the life insurance plan you have when you are not there.  It’s very important to figure out what the best policies available are.  The insurance plans should do a good job of meeting your family’s needs.

Get a free life insurance quote here.

It is critical to find an insurance policy that gives you the most coverage for an amount that is within your financial grasp.  You can get insurance quotes by performing an internet search.  With this approach you can cut hours from your research to find the correct insurance plan.  The advantage in this is that you will get many different quotes from different insurance providers.

Many websites will help you to find and compare the different insurance plans available to you.  These services assist you in saving time and energy.  This makes it simple to find the firms that will provide the best coverage for your cash.  After acquiring your policies, you will then be able to choose what companies meet your needs for a price that you find comfortable.

Get life insurance quotes from numerous companies now.

It’s judicious to obtain a second opinion about the firm you are wanting to do business with.  To get Life Insurance No Medical Exam, it’s important to do the proper research.  You can ask those that have acquired life insurance to learn more about their experiences with their policy.  Their knowledge can confirm whether you should get the insurance plan.

Obtaining quotes online involve filling out a questionnaire that asks questions about your birth date, gender, etc.  After you complete the form, you will get competitive quotes from different companies.  At the end, you will be able to opt for what firms you feel are the most suited to protect your and your family’s needs.

Get the best deals now by starting your research.  Go here to get more information on Life Insurance No Medical Exam and for your free quotes.

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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
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What other type of insurance i can sell with my life insurance license?

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Related Medical Exam Life Insurance Quotes Articles

Getting ready for your Life Insurance Exam

October 22, 2010 by  
Filed under No Medical Exam Life Insurance

Getting ready for your Life Insurance Exam

When you apply for life insurance, you typically will be asked to have a Life Insurance Medical Exam performed by a licensed health professional. The insurance company will order the exam on your behalf and you will receive a call to schedule the appointment.

In order to obtain the most favorable results, you should prepare for this exam. You have the potential to lower your risk rating and thus lower the cost of your Term Life Insurance.

10 Helpful Tips-

Limit salt and high cholesterol foods 24 hours prior to the exam Refrain from drinking alcoholic beverages for at least 24 hours prior
to the exam Limit caffeine and nicotine 24 hours prior to the exam Smokers: Do not smoke 30 minutes prior to the exam Fast for 4-8 hours prior to the exam and try to schedule the exam for first thing in the morning Drink a glass of water one hour prior to the exam Get at least 8 hours of sleep the night before the exam Limit strenuous physical activities 24 hours prior to the exam Be prepared to provide names and dosages of current medications and a photo ID Have names, addresses and phone numbers of any doctors or clinics visited in the last 5 years

Additional Considerations that may help you your Life Insurance Medical Exam:

Many factors contribute to determining the cost of Term Life insurance. If you suffer from one of the following conditions, please follow these additional guidelines:

Hypertension

Avoid stimulants (caffeine, alcohol, cigarettes) Have the examiner take your blood pressure after you have had a chance to relax:
preferably 3 attempts at 10 minute intervals Take your usual medications before the life insurance medical exam

Diabetes

Schedule the life insurance medical exam for 2 ½ hours after a meal (no sweets/sugars after the meal) Empty bladder right after eating

For more information, please visit www.termmonster.com

 

TermMonster is a leading provider of Term Life Insurance quotes from top carriers. Through our secure quote and application form, anyone can shop from the privacy of their own computer to find Term Life Insurance.

TermMonster is located in Bellevue, Washington. For further information, please visit www.termmonster.com

Many health conditions prevent consumers from qualifying for fully underwritten, traditional life insurance coverage. However, there are alternative options for these people that don’t require a medical exam. Byron Udell, founder and CEO of AccuQuote, explains guaranteed issue life insurance.
Video Rating: 0 / 5

Related Life Insurance Exam Articles

Getting Term Life Insurance Quotes With No Medical Exam

August 31, 2010 by  
Filed under No Medical Exam Life Insurance

Getting Term Life Insurance Quotes With No Medical Exam

Getting quotes for term life insurance coverage is easy and it is similar to being checked when taking out a loan at a bank or other financial institution, they want to see if you will be a financial risk to them when you are searching for a term life insurance quote on line.  It’s in their interest because they can’t see what type of person you are because you are applying for a life insurance policy.  Therefore, when you are applying for a life insurance policy you will generally need to undergo a medical exam to make sure you are suitable and will be correctly covered by the policy you have chosen.  Results from this exam will determine  what your monthly premium will be and you can even be denied life insurance coverage if you are considered to be too ill.  You will want your family to be covered, so you may opt for a term life insurance quote no medical exam, so that you will be covered and your family will be able to receive some financial help when you pass away.

Is not having an exam a good idea?
All companies that operate in the life insurance market in business to make money and need to make profit to be viable and to stay in business.  This means that they don’t pay up much and that they do make a lot of profit from the policies that they sell to individuals.  If every life insurance company needed to pay out for each policy holder that they had, then they would be out of any money that they have taken; therefore, they lower the cost and cover for people who do not want a medical exam when taking out their term life insurance cover.

The small print matters
When you look further at a term life insurance policy that has no medical exam covers, when compared to what one does cover with a medical exam, you will notice that there are a lot of differences.  You can never fully rely on a term life insurance policy that has been issued to you where you were not required to take a medical exam to take out the policy.  You should consider any policy that does offer cover with no medical exam as a supplemental policy and should not be considered as your main life insurance policy.

Most often, no medical exam insurance policies only will only pay out a fraction of what would be considered if you were to take out a policy that does have more cover.  These types of insurance policies are usually found on line, in newspapers and in magazines.  You may also find that other financial organizations, that are not solely insurance companies, may offer these types of policies too. 

Similar to many other life insurance policies, these types of cover will not allow a pay out in the first one or two years that you have the policy.  You will find that the company will allow themselves to change the conditions of when they will pay out for a claim, which is all entirely legal.  You should also be aware that they are also able to change any of the conditions of the policy should they discover you failed to tell them about any medical condition that you may have or have had in the past. 

Do You Even Need It?
Term life insurance coverage isn’t for everyone, whether this be standard cover or one that is issued to you without a medical exam.  If you live by yourself in a small house or apartment, then you won’t really need cover from life insurance, but, if you have a business and have major or only control over it then you should consider getting term life insurance coverage to make sure that if you do need it that your family won’t be left with a huge amount of debt to be paid off.  Also, if you have a family who are dependent on your salary, then you will need to take out some sort of term life insurance.

Ray Devine is an online life insurance policy specialist, reviewing cheap term life insurance quotes, explaining what is term life insurance and advises what good term life insurance quotes are – visit his blog to read more.