Save Up To 70% On Life Insurance! Call For a Free Quote 1-888-456-3799

1. Save Up To 70% On Life Insurance!
Call For a Free Quote 1-888-456-3799
Life Insurance Quotes With No Medical Exam
For many, particularly the elderly, the topic of insurance is not very popular. One reason why they
shy away from insurance policies is the long list of requirements set by insurers. However, the good
news is that it is now possible to get hold of these policies through quotes that need no medical
exam results. Regardless of age, sex and health status, any person is now legible for an insurance
policy. This kind of policy does not require individuals to go through an intimidating medical and
physical examination.
The quickest and most accurate way to find out suitable insurance for your specific needs is to
directly talk to an expert. Normally, before one can obtain a life policy, he or she goes for a thorough
medical check up to prove his or her insurability, regardless of the insurance type. Nevertheless, it is
possible for one to get almost any type of insurance without having to go for medical checkup. One
form of these policies is the whole-life insurance that does not need medical exam results. It can be
obtained by any person. There are various other forms of this type of life insurance policies including:
1. 'Simplified issue' life insurance- This type of insurance policy does not involve a medical checkup.
Nonetheless, the insurers often ask the buyers to supply some medical information verbally, during
the course of application.
2. 'Guaranteed issue' insurance- This is also called guaranteed acceptance life insurance. It does not
necessitate one to undergo a medical exam nor do they ask any medical questions. This type of
insurance hardly ever turns individuals down.
3. 'Graded benefit' insurance- This requires no answers to questions relating to one's health, nor
does it necessitate anyone to go for a medical exam. Persons who are in their middle-age and ages
that are more advanced are the major users. However, purchasing and making payments of this
policy is more complex than for the others.
One reason for buying no-exam insurance is that it gives an opportunity to people who would
otherwise not qualify for a life cover. The majority of regular insurers refuse to give cover to
individuals facing old age or complicated health issues. Benefits from life insurance without medical
cover can even be used to cover funeral and other minor expenses. It is a great choice for those who
are afraid of needles or uncomfortable around doctors. The process of applying for these policies is
simple and quick. However, most of these insurance policies are quite expensive, because of the high
risk the insurer takes.
More on Term Life Insurance With No Medical
Exam Quotes
Term insurance with no medical exam is fast becoming the favorite choice among individuals who
want to safeguard themselves. It is a package that can be put to different uses and as such,
considered an essential component in anyone's life. Before going out to get this type of cover, it is
important to learn more about the quotes and what it entails.
The QuoteIn most cases, these are designed to cover individuals for certain duration and this might
vary from 5, 15, 20 or 30 years depending on the agreement reached between the individual getting

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the cover and the company providing it. In the event of death, the beneficiary gets paid the value of
the agreed sum and this is often known as death benefit.
When getting these quotes, it is ideal to note that they are quiet varied and this is because there are
several factors that play a major role in influencing the amount paid. It is dependent on the company
offering the cover and the individual receiving. Some of the factors that play a major role include the
age, face amount and the health history of the individual since they don't have to go through medical
checkups.
Older people are known to receive high quotes for this cover while those who have a healthier
history are known to receive lower quotes. This is because the former presents more risk as
compared to the latter and the company must ensure that its interests are safeguarded as well.
ResearchBefore committing yourself to any life insurance with no exam quotes, it is always important
to take some time and carry out thorough research. In this case, it is advisable to get as many quotes
as possible and compare the amount you are expected to pay against the backdrop of the benefits.
This will come in handy in giving you a clear picture of what to expect.
In addition to this, you can also get some extras which are known as riders and which are purposely
used to enhance your policy. Most of the term polices are not known to accrue any cash value and as
such, the premium on rider is offered by some companies to compensate for this lack. It is precisely
due to this reason that it is deemed important to weigh all your options carefully.
When getting quotes for this type of policy, it is always advisable to tread carefully and read the fine
print which is part of the agreement. This is the only way to ensure that you understand what is
expected from you as well as what to expect from the insurance company.
Fast, Free Life Insurance Quotes!
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