Sentences with phrase «taking medical exams»

While no medical life insurance can be enticing for any number of reasons (a checkered health history, busy schedules, instant coverage, and anxiety over taking medical exams generally top the list), the higher premiums you'll have to pay in order bypass a routine medical exam can make these policies tough to justify.

Unlike most life insurance policies, there are no health questions when applying for guaranteed acceptance insurance and you don't have to take a medical exam.

To obtain guaranteed issue life insurance you do not need to take a medical exam nor are your medical records taken into consideration.

Simplified issue life insurance is essentially just life insurance that you can get without taking a medical exam.

If you are relatively young and in average health you won't be required to take a medical exam.

Shop around for the ideal configuration not needing to enter your contract information, take a medical exam, or answer private health questions.

The life insurance company will review the application and may require you to take a medical exam.

Some final expense policies are guaranteed issue, * meaning they do not require you to take a medical exam or answer any health questions.

During the application process there are no health questions and you don't have to take a medical exam, so these policies are a great alternative if you have quite severe pre-existing conditions.

In other words, if you have a term policy and you get sick or injured in a way that would prevent you from being insurable, you can convert to a permanent life insurance policy without taking a medical exam or answering health questions and keep the life insurance coverage the rest of your life.

The term conversion rider, normally built - in to every life insurance policy, allows you to convert a term life insurance policy into a permanent life insurance policy without having to take another medical exam.

To buy certain types of life insurance policies, applicants must take a medical exam that includes:

And in most cases, we can help you reapply without having to take another medical exam (if one is required).

Some life insurance policies — particularly ones with a high - value death benefit — may require you to take a medical exam or submit a blood test in order to be approved.

No exam policies let you get life insurance protection without being required to take the medical exam.

You will not have to take a medical exam or answer ANY medical questions and they can't reduce any of your benefits due to your health or age.

To obtain guaranteed issue life insurance you do not need to take a medical exam nor are your medical records taken into consideration.

The revolutionary process does not require you take a medical exam if you qualify.

Could it be that almost nobody likes taking a medical exam?

Now, if you're not entirely sure how, say, your cholesterol is doing, it's not the end of the world; the insurer may have you take a medical exam (basically your average physical exam) and can uncover some of these things.

You may also have the option to convert the policy to a permanent policy and may not be required to take a medical exam.

If you're willing to jump through a few more hoops and take the medical exam, your best bet is a level term life insurance policy.

Insurers usually let you take the medical exam again 12 months after your policy goes into effect, so, if you're unhappy with your rates, try kicking a bad habit (ahem, smoking) or getting in better shape.

If your life insurance company requires you to take a medical exam as part of the application process, the following will likely be examined:

Not having to take a medical exam is a great benefit for anyone that is in poor health or has severe health complications.

I think you'll agree with us when we say that taking a medical exam for life insurance is inconvenient and intrusive.

It turns out, you don't have to take a medical exam to qualify for affordable life insurance.

However, the person will not be required to take a medical exam in order to apply for coverage.

Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam

Before the insurance company approves your application, they are going to require that you take a medical exam, and the results of the medical exam will play an important role in how much you pay for your coverage.

Buying life insurance requires that you take a medical exam to determine your premiums and level of coverage.

You may be required to answer health questions or take a medical exam.

If you're purchasing disability insurance services from a private company, you may even need to take a medical exam.

Take a medical exam.

Many of the term life insurance policies that are offered through Mass Mutual can be transformed over into permanent life insurance plans, typically without the insured having to take a medical exam or prove insurability.

In some cases, you can convert your term life insurance plan into a whole life policy, without having to take a medical exam or answer any additional health questions.

And lastly, many of our clients have very busy schedules and they find it difficult to schedule and take a medical exam.

It allows you or your child (or grandchild) to purchase additional life insurance down the road without having to answer any questions or take a medical exam.

However, the premium you pay for a policy that requires you to take a medical exam will be cheaper than for a policy that does not require a medical exam.

Instead of taking a medical exam, you only have to answer a few broad questions on a health questionnaire.

And finally, buying life insurance requires that you take a medical exam to determine your premiums and level of coverage.

When the specified term for your life insurance is over, this provision allows you to continue coverage without taking another medical exam to prove your insurability.

In addition, policies that are «traditionally» underwritten, will typically require the applicant to take a medical exam, though if needed, we can find those carriers that will offer a policy for life insurance with no medical exam.

Employers are also prohibited from asking job applicants medical questions or requiring them to take a medical exam before being hired.

«It could come up in cases where employers ask employees or people they are thinking of hiring to take a medical exam as a condition of being hired,» Jennifer says.

The biggest downside is if they want to renew and extend the plan for another time period, they will have to reapply, take a medical exam and pay a higher rate since they will be older than when they bought their previous policy.

If the policy is allowed to expire, you may be required to re-apply for life insurance coverage, and prove insurability by taking a medical exam.

With a no medical exam policy, the insurance company will not require you to take a medical exam, which means your health will not impact your rates.

You can get any of the company's plans without having to take a medical exam.

• Convenience — This is one of the most common reasons as you can get a policy easily by phone or online and do not have to take a medical exam.