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No Medical Exam Term Life Insurance
Traditional Term Life Versus No Medical Exam Term Life Insurance
Traditional term life insurance requires applicants to take a medical exam to determine their health status. No medical exam term life insurance does not require the applicant to take a medical exam; the health of the applicant is instead based on their responses in a questionnaire regarding his/her health.
No medical exam term life insurance policies are generally smaller.
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The Ideal No Medical Exam Term Life Insurance Customer
To find out whether you have a good chance of qualifying for term life insurance without a medical exam, ask your self the following two questions:
- Am I young? Though you do not have to be young to qualify for no medical exam term life, it certainly helps. Many agencies consider people between the ages of one and seventeen “young.” “Older” people may qualify too, but they will probably have to pay a higher price. “Younger” people may also qualify for a larger amount of insurance without taking a medical exam.
- Am I in perfect health? If you have been disabled or have had surgery within the last five years, or are seeing a doctor on a regular basis, you may not qualify for no medical exam term life.
No Medical Exam Application Process
When you fill out your no medical exam term life insurance application, you will be required to answer a few basic questions about your gender, age, and health. The insurance agents will determine whether or not you qualify for a no medical exam product based on that information. If you do not qualify, you can choose to apply for an alternative product.
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No Medical Exam Benefits
People who choose to take medical exams may receive lower prices for their insurance plan, depending on the results of their medical exam.
What is Involved in a Medical Exam?
Many medical exams require a blood and urine sample, among other tests.
Term Life Insure provides information at no cost concerning insurance products and services but is not an insurer or an agency. Please speak to your insurance agent for more information. Not all products are available in all states.
