subject: Life Insurance No Medical Exam - Understanding These Policies [print this page] Life Insurance No Medical Exam - Understanding These Policies
The less likely an insurance company is to pay a claim, the more insurable a customer will be. With these no medical exam policies, insurance companies do not have an accurate risk assessment of their insured customers. This is why there are so many stipulations and exclusions on these policies, and you need to understand them very clearly before you accept a policy for your own use. For people who need life insurance quickly, no medical exam policies are ideal as long as they can meet the criteria and understand the terms and limitations of their coverage. Keep this in mind when you are shopping for life insurance.
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