No medical life insurance is exactly how it sounds, and does not require a medical exam! This means no doctor’s appointment, no fasting, and no blood work. Anybody can get this life insurance with no in-person health exam. The life insurance company will do their own underwriting normally via a questionnaire to figure out the true health of the applicant.
It depends on your case! To determine if life insurance without a medical exam is right for you the life insurance company will look at other factors about your life such as monthly income, occupation, hobbies, family history, etc. If you are in good health then this policy might be the one for you.
Life insurance without a medical exam means it’s the insurance company’s money on the line. This means they are scrutinizing very closely who gets this life insurance policy to make sure not too many people take advantage of this type of life insurance.
Often times we think about life insurance as a tool to replace income for our families if we should pass away. But life insurance can also help cover funeral costs and other final expenses or debts you may leave behind as well as provide peace of mind for those who depend on you financially.
If your health isn’t perfect then life insurance without a medical exam may still be for you! There are different products at different price points with life insurance companies that provide life insurances for everyone. You will need to speak to one of our experts to find out!
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