No medical exam life insurance is a very popular choice in today's "popcorn" world, where things are expected to "pop-up" whenever we want and where we hate to wait on anything. With the times that we live in today, most of us are extremely busy working at different jobs, taking care of our families, and etcetera, but with life insurance like this, we no longer have to spend all day getting a physical (at the doctor's office), and neither will we have to meet up with the local insurance agent.
For those of you who want life insurance right now, without waiting for any underwritten policies, then coverage protection like this can be an immediate blessing to you.
With the life insurance coverage that no medical exam life insurance will give to you, telling the insurance company your medical history will be a thing of the past, and you will also not have to answer a verbal questionnaire nor take a blood pressure test. Also, for those of you who hate giving either blood and/or urine samples, this form of insurance just might be the right pick for you.
The many different reasons why insurance coverage providers will have you go through the processes listed above is because they want to protect themselves, because if you have any health problems that are considered a "risk" to them, they hope that you do not die before you can consistently pay for any coverage. The coverage providers like to "cover their assets", so to speak, so if you are somebody who has serious health illnesses, you will definitely want to check-out life insurance that does not require any physical examination.
No medical exam life insurance providers will give you just a minimal amount of questions, in regards to your health, as well as a few about your background throughout the years. Whenever you receive the approve of the life insurance coverage provider, you will normally receive a call or e-mail from them that will let you know what you will have to pay, should you accept their offer in the first place. After this, you can pay for your protection with a credit card or e-check, which promises you that you will not have to meet anybody from the insurance company.
Always know that you should tell the truth as much as you can, when it comes to the insurer asking you any questions. Coverage providers have a policy that is known as "contestability", which is a 2-year period of time where you cannot give any "material misrepresentation" of your health, lifestyle, and/or driving records can make in-validate your policy, which will hurt you and your beneficiaries. If you choose to lie and not answer those questions honestly, then it's recommended that you not sign-up for insurance such as this.
Another thing you need to know is that when you choose to sign-up for life insurance of this form, the odds of you paying high premiums will go up, since those who typically pay for this coverage usually do not have good health. If your health is considered to be great, however, then I would recommend that you not pick this insurance, since you will have to pay a higher premium, which usually pertains to those who are "at risk", but you are not risky since your health is great.
No Medical Exam Life Insurance should not be a worrisome process, especially with online sites that can give you a quote instantly. As long as you talk to reliable insurance providers, you should not have anything to worry about. Thanks to sites such as Free Life Insurance Quotes Online, all it takes is a few minutes and seconds to find an affordable quote that is pleasing to your wallet/purse!
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