No Medical Exam Life Insurance

As the name states, this type of policy does not require a medical exam for approval. This is highly desirable for those looking for instant approval, without the waiting time involved when a medical exam is required.

"No medical exam" life insurance is available from a number of companies. Generally, this type of policy is available for people under a certain age. Proof of positive health is generally shown by answering questions about lifestyle and medical history. Depending on each company’s guidelines, they determine whether or not the applicant meets the requirements for general health.

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Medical Exam Information

Consider the process involved when a medical exam is required – you will need an appointment for an exam, which may include a basic physical, urine specimen, blood work, EKG or X-ray. Additionally, you will need to wait for test results and allow time for the agent to review the results.

Benefits of No Medical Exam Life Insurance

Without the requirement of a medical exam, this type of insurance is relatively quick to obtain. The application process is speedy, requiring that some basic questions be answered. The insurance company determines your level of risk by evaluating your answers. Information about habits, general health and whether or not you are a smoker provide the company with adequate information to make a determination about your “risk classification.” This classification determines your level of premium – better health equals a lower premium.

Since no medical exam life insurance is easily obtained online, you benefit from online customer service and easy online account management – easily check account information and claims on the company or broker’s web site.

No Exam Life Insurance Drawbacks

While the application is fairly straightforward, a no medical exam policy is not entirely cut and dry, as the insurance company then has to thoroughly review the application to assess your risk category.

There is, of course, the possibility that your application could be rejected based upon your risk classification, meaning that you would need to submit a life insurance application with another company.

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Learn more about the options for life insurance online. There are a variety of life insurance carriers that offer a no medical exam life insurance policy.

Life-Insurance-Info.us is not a life insurance broker or carrier, and cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. We are not associated with the companies profiled on Life-Insurance-Info.us and we make no representation, express or implied, that you will receive a quote from a specific company profiled herein. Products and policies may not be available in all states, and product and policy information is subject to change without notice. Please contact the insurance company directly to answer your policy inquiries.

Last Updated: June 16, 2009