Be sure to compare amounts of coverage, rates, and any special offers.If you donвЂ™t have the time for a medical exam, or would prefer not to go through all the trouble вЂ“ and you understand that your premiums will more than likely be more expensive вЂ“ carefully research numerous insurance carriers offering a life insurance no medical exam policy. They are attractive for the elderly or overage individuals and are best used to supplement existing insurance, rather than to serve as primary life insurance. Coverage offered for these policies, which donвЂ™t require a medical exam, is very low. The premiums for these policies are usually quite high. There are also short-form life insurance policies known as guaranteed issue life insurance policies. Generally these types of life insurance policies are a great supplement for existing insurance, or insurance that you have through your employer.ДЄ younger person who is healthy and has no pre-existing medical conditions, however, can generally obtain a life insurance no medical exam policy with the least expensive premium. Of course, the higher the amount of the coverage you choose, the more expensive your premium for life insurance no medical exam. Usually life insurance of this type is term life insurance, and premiums can be in the area of $300 per month. Others offer coverage for $1 for the first month and then rates based on your current age that are guaranteed for the life of the policy. Some insurers online tout adult rates вЂњas low as $3.49 per monthвЂќ for this type of coverage. Naturally, theyвЂ™re going to charge higher premiums for life insurance without a medical exam than they do for persons who undergo the physical examination. ThatвЂ™s because the insurance company is relying on you to provide information about your health and any medical conditions or history, and that entails risk on their part. Usually these types of policies are more expensive. If you prefer, you can call an 800-number and go through the life insurance no medical exam process with an agent. You answer questions online, pay by credit card and then print out your policy if you are approved. The procedure is completed completely online and you have 30 days to change your mind. Here the website claims you can apply for term life insurance with no required medical exam in coverage up to $50,000.Д«etter Business accredited since 1998 with an A+ rating, offers a вЂњquick and easy 3-step processвЂќ for obtaining life insurance with no required medical exam. Many insurance companies advertise, especially online, that they offer вЂњlife insurance no medical exam.вЂќ One of these is Mutual of Omaha Life ( ) whose website offers вЂњCoverage up to $400,000 вЂ“ no physical exam, just a few simple health questions to determine eligibility.вЂќ The site states that these no medical exam policies are available with the flexibility of a wide range of affordable plans, no waiting period for coverage, consistent premiums that donвЂ™t increase over the life of the plan, and return of premium options for term policies.ДЄnother online site promising life insurance and no medical exam is Globe Life Insurance, available through. Getting life insurance with no medical exam is possible, but does this mean your policy will be more expensive? Here are the facts.

Term life no physical exam