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The idea of no exam life insurance is by no means a new one. It is a little more liberal than it used to be and we have a new generation embracing the idea. There are many variations to this policy. A few life insurance companies, however, have appropriated the idea and attempted to make it quite exciting. Not that it is being sold online, as quite a few companies make these policies available online, but simply that if you are between age 18 and 55 or 60 you can get a no exam life insurance policy . The cut off age for this type of policy used to be much younger.
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These are term life insurance policies . As the premiums are quite affordable the people are buying like warm freshly baked bread.
Technology has come a far way and this is one of the main reasons why these policies can be sold online. The applicant is asked a few relevant questions and the life insurance company checks the accuracy of the answers. There are those who may assume that this is an opportunity to get life insurance they wouldn’t normally qualify for. There is nothing further from the truth. The life insurance companies know exactly what they are doing. They check out each buyer thoroughly. What the applicants are getting are policies that they would normally qualify for.
In my humble opinion these policies were designed for people who just have no time to do a medical examination but want a policy to protect their families or businesses. There are certain limitations to these no exam life insurance policies. A few companies limit the amount of life insurance they will issue without a medical examination to $500,000. The applicant has to swear that the information they give to the life insurance company is true to the best of his or her knowledge and belief.
If the applicant needs a policy larger than $500,000 s/he has to simply find the time to have a medical examination done. If the policy is large enough or if there is any indication that there is a physical condition that may cause the policy not to be issued a second medical examinations may be required.
People are taking better care of themselves today, as compared with 20 or 30 years ago so, even though no exam life insurance may be risky, the life insurance companies are quite happy to issue many of these policies. The buyers are happy as well since they don’t have to go through the rigors of a medical examination.
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