If you do not want to take a physical exam, you can go the No Medical
Exam life insurance route.
If you get rejected for the traditional life insurance policy and end up going the no medical
exam life insurance route you know you got the best rates.
Not exact matches
Thankfully, the marketplace is changing, and many companies are going the
route of no
exam life insurance using automated accelerated underwriting.
Whether you choose to go the traditional paramedical
exam route or choose simplified issue
life insurance or accelerated underwriting, most carriers are going to do a background check, which includes looking at the Medical Information Bureau, or MIB.
Not everyone can buy an electronically underwritten
life insurance policy without going the traditional
route and completing an
exam.
As an independent and totally impartial company, we always recommend applying for
life insurance coverage through the traditional
route, however we realize that there are sometimes situations where a no medical
exam type of
life insurance policy is the most sensible option.
If you do not give yourself enough time to apply for the key man
life insurance, you may be forced to go the no
exam route when it may not make sense otherwise.
A no medical
exam life insurance policy may be the best
route for you to take to procure
life insurance with mild anxiety or mild depression.
Not everyone can buy an instant
life insurance policy without going the traditional
route and completing an
exam.
The time it takes to buy a no
exam life insurance policy is significantly less than when qualifying the via traditional
route and completing and
insurance physical.
The bottom line is if you truly need
life insurance but do no wish to complete a medical
exam, the advantages of going the
life insurance no medical
route far exceed the disavantages.
Additionally, if you are diabetic, and haven't maintained regular followups with your physician, no
exam life insurance may be an excellent
route to go.
It's easy to see that both the no
exam life insurance options are the best
route to go if you are looking for speed.
Adding new technology is an essential step for the
life insurance industry, and as someone looking for a no
exam option, the consumer - facing direct online option is easily one of the best
routes to take.
For someone who may have a few minor health issues, it may actually be ideal to go the no
exam route to purchase
life insurance.
At the end of the day, no
exam life insurance tends to be a better
route for those who have a number of minor health conditions because the underwriting process is less stringent.
You can take an
exam to qualify for a fully underwritten
life insurance policy or go the non-medical
exam route.
While bypassing the medical
exam when applying
life insurance policy is more convenient, it's also more expensive than if you went the traditional
route and took the health
exam.
If ordinary
life insurance is not the best
route, we may encourage you to choose no medical
exam life insurance.
Unless you choose the «no
exam»
route in your
life insurance purchase, a path that will cost you dearly for the 30 minutes you save, an application will involve an examination that will include a set of lab results that come from blood and urine specimens.
Before you commit to the no
exam life insurance, simplified issue
route, check out traditional
life insurance.