No Physical Needed For Approval
Life insurance no physical. There is no need to do a physical exam for smaller amounts of life insurance anymore, that is, if you can qualify.
It used to be that only younger people had the privilege of getting a life insurance policy without having to do a medical exam. The life insurance companies know that younger people are unlikely to die within specific periods of time.
They therefore issued non medical life insurance for pretty large amounts of life insurance to them. Medical science has rapidly advanced in recent years and as a result many diseases that were considered terminal are now treatable. People are enjoying productive lives much longer than they used to.
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Life Insurance No Physical Required
In addition information is easily put into the grasp of the underwriters today. It used to take weeks to get reports on an applicants medical history. Today information can be faxed to the life insurance companies in seconds.
In addition the Medical Information Bureau stores information on people who had applied for a policy in the past. This info is easily accessed by insurance carriers.
As a result of these advancements more and more companies are issuing larger amounts of no medical life insurance. One of the most outstanding carriers issues up to $1,000,000 life insurance with no physical required between ages 18 and age 60, others offer up to $500,000 coverage without a physical up to age 50 or 60.
All you need to do is to complete a short questionnaire a providing information about you present state of health as well as relevant medical history.
You can buy 10 year term life insurance, 15 year term life insurance, 20 year term life insurance and 30 year term life insurance in this way. These policies are renewable up until age 95 without any evidence of insure-ability.
This means that if you bought a 10 year term policy, for example, and you wish to renew it at the end of the 10 year period you may do so without having to qualify all over again.
Isn’t this a great way to buy life insurance?
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