No Medical Exam Life Insurance

For those who do not want to get a medical exam because they suffer from an illness that might endanger their approval chances or for those who simply do not have the time and patience to go through a series of medical tests, there is good news. A large number of insurance companies are offering life insurance with no exams policies. This type of insurance is different from traditional life insurance and might be the answer for those who want life insurance but do not want to go through the traditional process of getting it.

life-insurance-policiesSimilar to traditional forms of life insurance, like whole and term life insurance, no exam life insurance is a type of insurance that pays a death benefit to the beneficiaries when the person who took out the policy dies. The main difference between no exam life insurance and other types of life insurance is that a no exam life insurance does not require you to complete a medical exam in order to be approved for coverage. Both healthy people and those with pre-existing medical conditions can qualify for life insurance.
Another difference between this type of coverage and more traditional types of insurance is that no exam life insurance has a very fast approval process. Usually, getting approved for no exam life insurance takes a few days, but some insurance companies can get you approved in as little as 24 hours. This makes it ideal for those who need life insurance coverage right away, especially since the application process for whole and term life insurance takes much longer, sometimes up to 8 weeks.
No exam life insurance is great for people who cannot otherwise qualify for traditional life insurance, for those who do not want to go through a medical exam, or for those who are in a hurry to get life insurance. If you do not fall into one of these categories, traditional forms of insurance will be generally more beneficial to you. But if you have come to the conclusion that a no exam life insurance is right for you, getting a no exam life insurance policy is a legitimate way of protecting yourself and your loved ones.
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