It doesn't mean they won't
ask health questions on the application and it doesn't mean they can't still decline you based on information on the application, in your medical records or in the Medical Information Bureau.
With that said, many carriers of no exam life insurance ask between 15 - 20
health questions on the application, while others only ask a few.
There is no physical examination required in order to qualify, and there are
no health questions on the application for coverage.
With guaranteed issue life insurance — also referred to as guaranteed acceptance life insurance — there are
no health questions on the application for coverage, as well as no medical examination as a part of the insurance underwriting process.
If you say yes to
ANY health question on any application, it will unequivocally mean you will pay a higher monthly premium.
If you apply for a no exam policy you are still going to have to answer all
the health questions on the application.
These policies have
no health questions on the application for coverage for the applicant to answer.
These policies do not require a medical examination, nor do they have
any health questions on the application.
The prices are consistent with applicants who would answer «no» to all
the health questions on the application with each respective insurer.
To get these prices, you would have to say no to all
the health questions on the applications with each of these companies.
Granted, you need to be sure you can say no to all
the health questions on the application.
To be eligible for this plan, you must be able to pass
every health question on the application.
In some cases, you may not even need to answer
any health questions on the application for coverage.
If you say yes to
any health question on an application with any company it will mean one of the following:
This means that the applicant will be required to answer
some health questions on the application.
The insured may be able to convert this policy over into a permanent life insurance policy (in this case, a universal life plan), without the need to undergo another medical examination (based upon the insured's answers to
health questions on the application).
With that said, many carriers of no exam life insurance ask between 15 - 20
health questions on the application, while others only ask a few.
There
no health questions on the application or medical exams to take.
Instead, approval for a policy depends upon answers to
health questions on the application and results from database sources such as MIB, MVR, and pharmacy records1.
Instead, approval for your life insurance policy depends upon answers to
health questions on the application and results from database sources such as MIB, MVR, and pharmacy records.
There is no physical examination required in order to qualify, and there are
no health questions on the application for coverage.
In this case, there will be
no health questions on the application — and, given that the premium for the policy is paid, it will remain in force.
Therefore, all the applicant needs to do is just answer
some health questions on the application for coverage.
When your life insurance underwriter becomes aware that you have been treated for depression or anxiety, or both, they will want additional information to
the health questions on the application.
In fact, a guaranteed issue policy has
no health questions on the application and requires no medical exam or blood and urine test.
It is why there are zero
health questions on the application and is truly
As such, there are
no health questions on the application, and there is no medical exam requirement by the underwriter.
Instead, approval for a policy depends upon your answers to
health questions on the application.
It is why there are zero
health questions on the application and is truly guaranteed acceptance.
Guaranteed issue life insurance can help you avoid a physical exam and
any health questions on your application.
There is no medical exam required, and there are
no health questions on the application.
There are
health questions on the application that must be answered truthfully to avoid issues if you die during the two - year contestability period.