Life Insurance No Medical Exam- How Good is the Coverage?

Life Insurance No Medical Exam- How Good is the Coverage?

Life Insurance No Medical Exam- How Good is the Coverage?

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Home Page > Finance > Insurance > Life Insurance No Medical Exam- How Good is the Coverage?

Life Insurance No Medical Exam- How Good is the Coverage?

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Posted: Jul 15, 2010 |Comments: 0
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The coverage that is provided to people who choose life insurance with no medical exam is effective, but limited at best in most cases. After all, without that critical medical exam, it is hard for insurance companies to gauge their risk and offer the best coverage to their customers. No matter what happens, insurance companies are always going to do a risk assessment to ensure that they protect themselves first and customers second. An insurance company that pays claims all the time will go bankrupt quickly and run out of money. Therefore, companies do what they have to in order to ensure that they are protecting people without sacrificing their entire operation.

 

Coverage for a no medical exam policy often can have a lot of exclusions and limits on the type of protection that is available. Some insurers will even go as far as to deny natural death benefits until a certain period of time has been reached (typically 2-3 years into the policy). This helps lower their risk and eliminate customers who are looking for insurance because they know they are going to pass away soon. Another common exclusion or limitation is the progressive scale for accidental death benefits, which typically goes long enough so that 100% of your benefits are not available for up to 4 years in many cases.

 

The coverage that you get with these policies can be sufficient in most cases, but it is not always as all-encompassing as a policy that you could get from a life insurer that requires medical exams to give you a policy rate and coverage limits. For healthy people, this type of coverage is not going to be as good as what they could get, but for the convenience it is better than nothing.

 

The life insurance no medical exam option is also slightly more expensive than a traditional life policy because the company has fewer rate groups and a higher potential risk since there is no proof of their insured’s exact state of health. While there might be some drawbacks to these policies, they can still be an effective option for life insurance coverage for people who have been denied elsewhere or who don’t want to deal with the hassles of a traditional policy. Always shop for the best coverage for your money even if you choose a no medical exam policy to enroll in.

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Mark Prip recommends checking out this unique site to help you locate and research the best Life Insurance With No Medical Exam.

Visit this informative Term Life Insurance site today at  http://www.getlifequotes.com to learn more.

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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
I have a policy already through liberty life insurance how do i look it up on the internet
What other type of insurance i can sell with my life insurance license?

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Life Insurance No Medical Exam- Finding Good Insurance

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Life Insurance No Medical Exam- Finding Good Insurance

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Home Page > Finance > Insurance > Life Insurance No Medical Exam- Finding Good Insurance

Life Insurance No Medical Exam- Finding Good Insurance

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Posted: Jul 15, 2010 |Comments: 0
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Some people say that having life insurance is better than not having it at all. However, if you are paying for coverage that is not actually going to help or protect you, it might actually be worse to waste your money. When you are shopping for life insurance, a medical exam is required for some policies. Of course, you should keep in mind that these policies are not always what they are cracked up to be. Although you might be able to get insurance without a medical exam, you need to ensure that you are getting the right coverage that will be there when you need it.

 

Finding good life insurance is not always about finding cheap coverage or a policy that is easy to get. While life insurance with no medical exam is helpful to people who are either in a hurry or who would otherwise pay higher rates for insurance, it is not always the best policy for everyone. In order to offset the unknown risk factor that insured customers present with this policy, the premiums are typically higher than a standard policy and coverage can sometimes be more lacking than people might realize.

 

The trick to getting good life insurance is to look at the policy, the coverage, and the premium that you will pay. Regardless of whether or not there is a medical exam required, you need to be sure that you are getting affordable coverage that provides you with the protection that you need and deserve. With life insurance, no medical exam is a faster way for people to get covered. However, it can also reverse and become a more complicated situation for some people who want more coverage or lower prices than what they get with these policies.

 

You can invest in life insurance with no medical exam required. However, it is important for all customers and shoppers to take the time to check the details of the policy. Find out how much coverage you have, how much it will cost you, and whether or not there are restrictions that you need to know about. Since the cost of life insurance is typically based on the risk posed by the insured, it is harder to create affordable and appropriate rates for those insured customers that get life insurance without a medical exam required. Remember that what is easy is not always best, and to verify that you are actually getting a good policy before you sign up.

Retrieved from “http://www.articlesbase.com/insurance-articles/life-insurance-no-medical-exam-finding-good-insurance-2838796.html”

(ArticlesBase SC #2838796)

Liked this article? Click here to publish it on your website or blog, it’s free and easy!

Mark Prip -
About the Author:

Mark Prip recommends checking out this unique site to help you locate and research the best Life Insurance With No Medical Exam.

 

Visit this informative Term Life Insurance site today at  http://www.getlifequotes.com to learn more.

]]>

Questions and Answers

Ask our experts your Insurance related questions here…200 Characters left

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
What other type of insurance i can sell with my life insurance license?
I have a policy already through liberty life insurance how do i look it up on the internet

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life insurance no medical exam, no exam life insurance

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Is No Medical Exam Term Life Insurance Good?

Is No Medical Exam Term Life Insurance Good?

Should you buy term life insurance that does not require a medical exam?

We are used to having to jump through a lot of hoops in order to purchase a simple term policy. An application may ask dozens of personal questions which ask for information about our own health history. In addition, these queries may address our family health issues, and even other things that are not directly related to diseases. For instance, we must tell the life insurance company where we were born, where we travel and live, and if we have ever been convicted of any crimes.

Then, after we have told the insurer our life history, including our family history, we have to submit to one more thing. That is a life insurance physical which may weigh us, take body fluid samples, or even be more invasive.

Many people do not want to asnwer all of these questions. A client may not understand how the fact he was born in another country, or had a juvenile arrest record, affects his ability to buy coverage many years later. They simply want to protect their policy, go on with their productive lives, and do not want to answer all of these questions just so they can send a check to a major company!

The top insurers are finding that they operate in a very competitive market, and all of this trouble may not actually be the best way for them to profit. In fact, in this modern internet age, some of the most competitive companies have learned they sell more life insurance, and make more money, if they use the tools they have to allow people to buy life insurance as quickly as possible.

What does insurer competition mean for consumers like you?

This means that you, as a purchaser of a term life policy, can buy affordable coverage without jumping through all of the traditional hoops. Many applications are now very short, asking only basic questions about your health, plus where you live and how old you are. And of course, this means that most people can purchase life insurance with no physical exam!

How can you find these policies from top companies?

It is simple to find the right coverage for you and your family. Simply use one of the better insurance quote form systems on the internet today. You can enter your basic information very quickly, click the submit button, and then sit back while to best companies offer you prices and policies.

Online insurance quotes save you time and money.

It should only take a short time to fill out the form, like 5 minutes, and it can save you lots of money and time. In fact, we found the price difference between top companies could be hundreds of dollars a year to cover the same person. That means that a 20 year term policy would be thousands of dollars cheaper over the whole coverage period than its more expensive competitor.

Look for safe quote forms that participate in 3rd party verification, like the Better Business Bureau. Also look for a secure server. That way, you know your information will be safe and only handled by liscensed professionals.

Is No Medical Exam Term Life Insurance A Good Choice For Yo

www.10minutetermlife.com no medical exam term life insurance quotes online in minutes. No personal info needed to see your life rate

www.youtube.com how to find no medical exam term life insurance with the click of a mouse. No exam needed and no medical checkup.

No Physical Exam Whole Life Insurance – Good Deal or a Scam?

No Physical Exam Whole Life Insurance – Good Deal or a Scam?

Many consumers are wondering if no physical exam whole life insurance policies are really a good deal, with good reason. Do you know what I’m talking about when I say “no physical exam whole life”? Surely you’ve seen the commercials on television “for just a few cents a day” or the one about the guy throwing his “spare change” in a jar each night when he goes to bed. The question that I keep getting about these though is “are they really a good deal?”

Let’s take a look at these types of whole life insurance policies.

The first thing that you’ll find when you send off for more information about these is that they are not considered “regular” whole life policies, but “modified” whole life. They’ve been modified not necessarily to rip you off, but in order to meet a specific set of criteria. It’s up to you, the consumer, to read the fine print thoroughly and make sure that the modifications of the policy that you are considering meets the needs of yourself and your family.

The first modification that I found was that the beneficiary of the policy will be paid a reduced rate if the insured person passes away from natural causes within the first two years from the date that the policy takes effect. They may pay 50%, 75% or less, depending on how long afterword that the death occured or whatever their guidelines happen to be.

You are covered immediately if you happen to die from an accident. This is known as “accidental death coverage” and there is no two year waiting period for this coverage.

Are you confused? No problem. It’s totally understandable and you’re not the only one so don’t feel alone. Let me explain in more detail.

Let’s say that you purchase one of these no physical exam whole life policies on January 1, 2007 and you pass away from natural causes on January 1, 2008. In this case your beneficiary would receive a reduced payment because of the modification that states you are not covered in the event of death from natural causes in the first two years.

Now let’s look at another example.

Let’s say that you purchased the policy on January 1, 2007 and were tragically killed in an auto accident two months later. In this case your beneficiary would receive 100% of the policy because you were covered immediately for accidental death.

Let’s do one more example.

Let’s say that you bought the policy on January 1, 2007 and passed away three years later from a heart attack. In this scenario you are covered because although you passed away from natural causes, it didn’t happen until after the two year exclusion or waiting period was over.

Most of these types of no physical exam whole life insurance policies are sold in “blocks” of coverage. For example, you could by coverage in blocks from ,000-10,000.00 each.

These blocks of coverage can become quite expensive considering that the average funeral costs between six and ten thousand dollars, at the time of this writing. It can be especially expensive for elderly couples without coverage that live on fixed incomes.

Although it may be your only option once you reach a certain age group, I highly recommend that you look at different alternatives before purchasing this type of no physical exam whole life insurance policy.

The Good Vs The Bad On Life Insurance No Medical Exam

The Good Vs The Bad On Life Insurance No Medical Exam

Have you heard of Life Insurance No Medical Exam?

This type of Term Life Coverage has recently been made available. You need to look at the benefits and drawbacks of this type of life coverage to see if it is right for you and your family.

This kind of life coverage is available from many different life insurence companies. By not having a physical exam that normally accompanies a new life policy (term life coverage or whole life coverage) the insurer is essentially taking more of the risk.

Benefits of Life Insurance No Medical Exam:

Convenience: no appointments for a life insurance physical exam
The normal options available for Term Life Coverage are still available for this
Possible to be insured immediately
Sometimes you can print the policy right at the computer (term life insurance online)
With No Medical Life Insurance you may now be insurable as opposed to life coverage that requires an exam
Another way to increase your coverage to another term life policy
Add more coverage to the current policy you have with your company

This option provides convenience. There isn’t any headache of having to deal with setting an appointment for the physical exam and basically you just go through the questionaire truthfully and you can be insured almost immediately. If you are going to purchase life insurance online you can have a policy within the hour.

Negative aspects of Life Insurance No Medical Exam:

By not have the physical you put more risk on the insurer which translates into higher premiums to you
Death benefit is limited up to 0,000 worth of coverage
By skipping the physical exam you instantly increase you premiums

Our advice:

The exam is just a small hassle that was always required to get a life policy. Besides, the costs of your premiums will be reduced DRAMATICALLY getting insured with an exam than without one. You can get the right amount of death benefit / term coverage with the physical exam.

Once you apply for life coverage and the application is preapproved for insurability then the life assurance company requires a short medical examination. About 10-15 minutes is all that you need for the examination. You decide on the time and date of your appointment.

The person performing the physical will:

Go through your application with you
Ask you a number of additional questions about your heatlh
Take your blood pressure
Take your pulse
Have you provide a urine specimen
Take a small blood sample
All this is done within 10-15 minutes time

The physical is covered by the life insurance company. This exam is normal procedure for every new life policy. You will not be charged if the insurer finds that you are not insurable. The physical provide them with a clearer picture of your health and if you are insurable or not.

With this small inconvenience you now can save more on coverage and have more options to choose from.

If you don’t have a problem with taking a medical exam (which most people shouldn’t have) then you can now take your savings even further find insurance quotes and compare them.

Looks at several Life Ins Quotes from the top insurers and choose the Best Life Insurance that fits you and your family. attainable using this method and it will save you hundreds of dollars in the long run. You will not need to worry about your monthly or annual premiums increasing with a term life policy because they are locked in for the life of the policy. Term Life policies can range anywhere from 1 year up to 30 years or more.

Do not forget the reasons behind why you are going to buy Term Life Coverage

It is an important financial product needed in protecting those that are dependent upon your income (your children). By choosing to skip the exam you may put yourself in a position where you do not have enough life insurance. This will still place financial difficulty on the family if something happens to the breadwinner.

Compare Online Life Insurance Rates and get the physical exam done. You will have your term life policy in no time.

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