subject: No Medical Exam Life Insurance [print this page] No Medical Exam Life Insurance
Sometimes 24 hours a day is simply not enough. For those without a moment to spare in their busy schedule, the no medical exam life insurance policy could be the best thing for you. Modern life throws up dilemma's every day, from work to minding the children, you simply don't have time to buy life insurance.
With all that is going on, most people fail to realise just how important life insurance really is. Thanks to the internet, finding the right insurance company at an affordable price takes no time at all. Simply click on any insurance comparison website and America's leading Insurance providers will give you free quotes so you can make up your mind reasonably quickly when choosing an insurance company.
So, is no medical exam life insurance coverage the right option for you? It is a good option because it is quicker. Life insurance that involves medical exams takes longer to process. Without this extra step, companies will speed through your application.
It is easier: There is no physical exam required, so all you need to do is fill out a questionnaire regarding your medical history.
It is a poor choice because: You are covered less. Without a medical exam, you are only entitled to a certain amount of coverage, which is much less than the exam equivalent.
Possible cancellation: while you feel you may be able to withhold medical information, the questionnaire is very probing, and if you lie on the questionnaire, your policy will be terminated.
Restrictions: If you are over 50, indulge in risky hobbies, or are involved in a particular vocation, then you will not be allowed purchase this kind of policy.
A common misconception is that you can mask a medical condition because there is no medical exam. You still have to be forthcoming when they ask questions about your medical condition. The insurance Companies have up to two years available to investigate your health and your policy could become void if there are any discrepancies.
For those of you who do have a medical condition which would either prevent you from receiving insurance, or drastically increasing your rate of payment, you have choices. With such vast improvements in medical procedures and medicine in general, companies are now more inclined to insure those with medical issues at a rate comparable to standard prices.
Compare life insurance quotes from the Nation's top insurance providers and save hundreds.
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