No Medical Exam Life Insurance. Picture you have insurance for your home, your car, and your health; shouldn't you also insure your life? If you are either the sole or significant supporter of your family, life insurance can provide your dependents with money to live, or get an education, if something horrible happens to you.
Of course, in order to get most life insurance, you have to pass a medical exam. It's not a particularly intrusive process, generally just blood and urine samples and a very basic physical, and most insurance applicants have no problem passing these exams. In fact, even if you're obese, unless you are also diabetic, a smoker, or have a heart condition, you'll probably do just fine.
That last clause, "as long as they can afford the premiums" is a crucial one, because pool insurance, or a "risk pool" does not exist to serve the poor, though some states do have special pool insurance to supplement Medicaid.
Nevertheless there are valid reasons for wanting life insurance without a medical exam. Perhaps you work extremely long hours, or travel a lot, and have a difficult schedule to work around. Maybe you do have a medical condition that precludes you from passing the exam. Or possibly you are just extremely shy, or extremely protective of your privacy. In these cases, there are three options: life insurance through open enrollment at work, regular life insurance with no medical exam, or term insurance with no medical exam. HighRiskInsurances.com can help you find quotes on the latter two.
Nevertheless there are valid reasons for wanting life insurance without a medical exam. Perhaps you work extremely long hours, or travel a lot, and have a difficult schedule to work around. Maybe you do have a medical condition that precludes you from passing the exam. Or possibly you are just extremely shy, or extremely protective of your privacy.
In these cases, there are three options: life insurance through open enrollment at work, regular life insurance with no medical exam, or term insurance with no medical exam. HighRiskInsurances.com can help you find quotes on the latter two.
No medical exam insurance that is not term insurance can be difficult to find, but it is offered, usually by insurance companies that do most of their business online. While you still have to answer a questionnaire that addresses your medical history, there is no physical exam. It should be noted at the premiums on this kind of life insurance are higher than on similar policies that do require an exam. Since this is standard insurance, unless you cancel the policy, or cause it to be canceled by not paying your premiums, it remains in effect as long as you're alive.
Term insurance, on the other hand, is exactly what it sounds like: insurance that is effective only for a specified term, generally five, ten, fifteen, or twenty years. It tends to be cheaper than standard insurance, because there is no expectation that the insured (you) will die during the life of the policy. Term insurance almost never requires an exam, but it is essential that you choose a reputable company. Use HighRiskInsurances.com to get your insurance quote, and you can be certain of this.
One thing to remember is that while it is possible to obtain life insurance without a medical exam, it is not possible to hide your medical history from your insurer. Do not even try. If it is discovered after policy inception that you have a medical condition you did not disclose, your policy may be summarily canceled.
Your best bet, then, to find reliable no medical exam life insurance, is to stick with HighRiskInsurances.com. We will get you the quotes and contacts that you need.