No Medical Exam Term Insurance
Life insurance with no exam required. Most of my life has been dedicated in a great way to the life insurance business.
I love the concept of protecting families from financial disaster through good life insurance.
I experienced many joyous years discussing the varying types of policies with my prospects and clients. There were, however, some difficulties that I experienced every day…
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Life Insurance With No Exam Required
One of the main problems was that a medical examination was required by the company I represented for any reasonable amount of life insurance.
Sometimes I had to wait for days to get a doctor or paramedic to check out my client. Life insurance with no medical exam required is a blessing in many ways…
The large, and even some of the small, life insurance companies are willing to issue greater amounts of insurance without putting the client through the intense hassle they used to have to endure.
- Younger Applicants
Younger applicants are allowed to purchase fairly large policies by just answering some medical questions. The life insurance company wants to know about the clients medical history.
Any illness that caused the client to go to a doctor is relevant to having a policy issued.
Family history is also important. Even though a person is in excellent health now there are certain illnesses that one can inherit from blood relatives.
In some cases treatment can prevent this from happening but the insurance companies want to know about it anyway. If all is well a no exam life insurance policy is issued.
- Applicants More Advanced In Age
These people have to go through similar questions to those asked the younger people when applying for life insurance without a medical exam.
It is, however, likely that because of medical history a report may be requested from an attending physician. In some cases an answer to a question may cause the company to request a medical examination.
- Older Applicants
As people get older it is very likely that certain ailments may become evident which may cause them to get a rated policy or be completely declined by the life insurance company.
As a result the amounts of life insurance with no exam issued will be much less. In some cases a medical examination will be required for any amount of life insurance applied for.
You would probably be surprised, however, at the great number of older people who are in such excellent health that they still qualify for a policy…life insurance with no exam.
All in all applying for life insurance with no exam has made things so much easier for applicants that it is being sold on the Internet now. More companies are doing it each year. I think that is just great for my clients.
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