Life Insurance with no medical exam
Once you’ve decided to sign up for life insurance, you will need to understand what is required. How do insurance companies decide what your individual life insurance premium should be? Most companies will ask for a medical 
examination that includes a blood sample and a urinalysis to analyze the to help determine your overall risk. Some will issue your life insurance with no medical exam required
Insurance companies reduce their risks by understanding the existing condition of the person who they are going to provide coverage to. Younger, healthier people are likely to get lower rates, because they are likely to live and pay into the plan longer. The higher health risk you are, the higher premium you will be charged.
Are You Considered High Risk?
For those people who are looking into high risk life insurance and have preexisting conditions, and will most likely pay a high premium anyhow, choosing to not undergo a medical examination may prove to be more cost-effective.
No exam may also be beneficial to those who are advanced in age, or near death and in need of a plan quickly. For those people denied coverage by insurance companies, a no exam plan may be the only option.
There are benefits to take into consideration if you do not wish to undergo a medical exam:
Are You Considered High Risk?
For those people who are looking into high risk life insurance and have preexisting conditions, and will most likely pay a high premium anyhow, choosing to not undergo a medical examination may prove to be more cost-effective. No exam may also be beneficial to those who are advanced in age, or near death and in need of a plan quickly. For those people denied coverage by insurance companies, a no exam plan may be the only option.
Medical Questionnaire
Answering questions via a questionnaire can be more convenient and comfortable than undergoing a medical exam. You can quickly fill out the information they require and submit it for review. Whether the reason you do not want an exam is because you prefer to keep your medical information private, or just find an exam inconvenient, this route offers an alternative.
Guarantee Policy Option
If you do not want to fill out any paper work about your medical history, you have another option. You can opt for a guarantee plan policy. This is a policy which only requires a guarantee of your signature and for you to make your premium payments each month.
No matter what your current health and life circumstance, there are life insurance options that can provide you coverage. If you are a high risk to companies, in a hurry, or prefer not to undergo a medical exam, you are not alone and can look forward to applying for a life insurance with no medical exam.
