Term life insurance is the most affordable option available for life insurance, but it can get expensive if you can’t pass a medical exam. Fortunately, it’s possible to find affordable term life insurance with no medical exam.
Skipping the Medical Exam
Policies that don’t require you to undergo a medical exam can be very convenient and enable you to get your coverage more quickly. In addition, if you’ve been turned down for life insurance in the past because of a poor medical history, this type of policy may be your only way to get coverage.
Be aware, though, that you may still have to submit a blood or urine sample to the insurance company. You will also have to answer some health-related questions on your application. If your answers to the questions raise any concerns for the underwriter, you may be asked more questions or even asked to undergo a medical exam.
Finding an Affordable Policy
By offering you life insurance without requiring a medical exam, the insurance company is risking that you are in good health. To offset their added risk, you often have to pay a higher premium. However, by doing some easy comparison shopping on the Internet, you can still find an affordable term life policy that doesn’t require a medical exam.
Begin your comparison shopping by going to an insurance comparison website. Here, you will fill out and submit a simple online questionnaire. If you have questions, the best comparison websites have insurance professionals on hand to talk with you and help you out (see link below).
After you complete the questionnaire you’ll soon begin to receive quotes from multiple A-rated companies. You can then review the quotes and select the one that’s best for you.
Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get term life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.
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