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Life Insurance with No Medical Exam Required! |
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Why should I buy no medical exam life insurance?
Purchasing a life insurance policy generally requires the insured person to take a medical exam and have the insurance company write to their physician(s) to obtain medical records. This is done to verify the state of your health and offer you the lowest possible rates available. However, some people do not feel comfortable taking a medical exam, but still have a need for term life insurance or whole life insurance. If you fall into this group of people, life insurance with no medical exam may be a suitable product.
What are the benefits of no medical exam life insurance?
- Up to $250,000 of coverage!
- No medical exam required!
- No medical records from your physician required in most cases!
- Instant same-day coverage using the RBC ExpressTerm application system
- Policy approval takes only a few days, while traditional term life insurance or whole life insurance underwriting may take 6-8 weeks
- Up to 30 year term life insurance available, or buy coverage guaranteed for life
What are the drawbacks of no medical exam life insurance?
- Amount of coverage is limited – if you need more than $250,000 of coverage, a fully underwritten policy may be the best option
- Premiums are more expensive than traditional life insurance
- No preferred risk classes available
- Length of coverage choices more limited than medically underwritten term life insurance – some companies may not offer 20 and 30 year terms at older ages
How can I get a quote for life insurance with no medical exam?
Other websites offering free quotes may sell your information to 8 or more agents that will have your phone ringing off the hook. When you request a quote from www.TermInsuranceBrokers.com, we guarantee that we will never give your information to any third party and we will never sell your information to anyone. Simply fill out the short form below to get your no medical exam life insurance quote now! You can also give us a call at 1-800-571-2980 from 9 AM to 9 PM Eastern Standard Time or
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24 hours a day, 7 days a week. We look forward to hearing from you!
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