Term Life Insurance No Medical Exam

No Medical Exam Term Life Insurance Florida

• No Needles, No Blood, and No Exam!
• No annoying agent phone calls
• Up to 1,000,000 of life insurance coverage
• Quick and simplified life insurance application process

Is No Medical Exam Term Life Insurance Right for You?

Buying life insurance can be one of the most important types of insurance a person can purchase in their lifetime. It protects loved ones and family against the hardship faced when one dies prematurely.  In addition, paying off debts such as mortgages and credit card balances it can mean the difference between the family loosing their home and livelihood and continuing with their way of life.  Also, having funds to pay for a college education can mean all the difference in the world for your children.

Life Insurance With No Needles – No Blood Needed!

Security in knowing that your family will be provided for in the event of your untimely death. can be as simple as following these few simple steps to see if you qualify for up to $1,000,000 of no exam term life insurance.

1. Simply use our secure online quoting tool to the right.
2. Create your own personalized life insurance quote.
3. Answer a few health questions.
4. Its simple, quick and convenient.

And remember, there is no medical exam, and no waiting for paperwork. Start your quote now by filling out the form to the right. Your information is kept in the strictest confidence and will not be shared with anyone.

How does a life insurance company underwrite a life insurance policy with no exam?

By not requiring an exam, blood, and urinalysis, an insurance company has to rely on the following to determine if an individual is insurable or not. In addition to the more obvious things such as age, height and weight, health questions, and smoker status, there are additional resources that insurance companies will use. These will normally include…

• Motor Vehicle Report (MVR)
• Medical Information Bureau (MIB)
• Medical records from your Physician
• Prescription Drug Database (Milliman IntelliScript)

There are 2 basic types of policies.

1. Simplified Issue can be purchased as either term or whole life, and you will be required to answer medical questions. Medical records may be required by the insurance company. In addition, information from the MIB, MVR, and RX database will be obtained for the purpose of underwriting your life insurance application.
2. Guaranteed Issue Life Insurance requires that you only answer a few medical questions. Medical records are normally not required and your acceptance is based upon your answers to these questions. This type of policy is typically issued to the senior market, or to people that are generally uninsurable by traditional standards.

Because life insurance companies do not have the benefit of knowing what a full exam with blood work would reveal they assume a greater risk. Therefore life insurance coverage with no exam comes with higher premiums.

Term Life Insurance No Medical Exam?

Purchasing life insurance with no medical exam usually takes less time than a traditional life insurance purchase. This is partly due to the length of time needed to setup and take an exam.  This process can sometimes take an additional 2 – 4 weeks.   In addition, other reasons why you might choose life insurance with no medical exam include:

• You have a fear of needles.
• Not sure or suspect that an exam with blood draw would bring to light a medical condition that would prevent you from obtaining a policy.
• Religious beliefs keep you from getting medical examinations or other medical tests.

The Smart Solution

Buying no medical exam term life insurance is fast, simple, and easy to do. With no hassles, and no annoying  phone calls, it could not be easier  If you have questions call and speak to a trusted adviser.  You may call us at 888-564-2326.

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