In the rare case that your health prevents you from qualifying for a plan with immediate coverage, there are even plans that
have no health questions at all.
In fact, a guaranteed issue policy
has no health questions on the application and requires no medical exam or blood and urine test.
You certainly should try to get a policy that
has health questions first because it would be much cheaper and you wouldn't have a mandatory waiting period.
It's a simplified issue life insurance plan that
has no health questions asked, and there's no awkward physical, no blood testing, no urine tests, and no tobacco tests.
In addition, they also have another whole life policy that
has health questions where you can be denied due to pre existing conditions.
Many final expense life insurance policies will not require the applicant for coverage to take a medical exam as a part of the underwriting process — and in some cases, you may not
even have any health questions to answer on the policy application.
So technically there are graded death benefit options that do
n't have health questions, but we always try to get you approved with a plan that has a few health questions so you can pay a lower price.
Over 90 % of our clients are placed with a plan that
DOES HAVE health questions because it was cheaper to do so and it afforded them instant coverage.
We believe women shouldn't have to go to the doctor's office every time
they have a health question.
If
you have any health questions for Dr. Duncan regarding the use of far infrared saunas, please click this link and fill out the confidential form: Contact Dr. Duncan
Guaranteed issue plans
have no health questions but the face amounts are low and the premiums are high.
If
you have a health question with regards to your cat, your veterinarian is your best source of information.
Volunteers should check with their doctor if
they have any health questions or concerns related to volunteering and working with animals.