Instant No Exam Life Insurance Coverage?
Reader’s Question:
I live here in Kansas and I am wondering if you would recommend that I get a No-Exam Life Insurance Policy?
Albert
Kansas City, KS
Normally, I would only recommend a No-Exam or guaranteed Life Insurance policy if you have been denied life insurance coverage multiple times there in Kansas due to poor health or medical conditions. The reason is that most guaranteed life insurance policies have exclusions written in their agreement. These agreements are modified where there would be certain stipulations or certain requirements to be met before you or your beneficiaries can be granted payment. Some companies impose a certain period of time where you or your beneficiaries might get reduced or no benefits at all if you die within that period, say within two years from the start of your policy but might pay in full if the death is due to accidents or acts of god.
If you are generally in good health and still young, try to go with the medical or physical exam required by some life insurance providers. Most guaranteed life insurance premiums or rates can cost much higher compared to regular life insurance rates. This is because the life insurance company has no idea of your physical condition or how long you will live due to unavailability of health data hence you will be tagged as a high risk customer and your higher premiums will reflect that? If you do decide to continue with a No-exam policy at least get multiple policies from different providers to choose from. Also get a copy of a specimen agreement first so you can examine the details of the policy.
No Exam Life Insurance Rate Quotes
Reader’s Question:
I live here in Kansas and I am wondering if you would recommend that I get a No-Exam Life Insurance Policy?
Albert
Kansas City, KS
Normally, I would only recommend a No-Exam or guaranteed Life Insurance policy if you have been denied life insurance coverage multiple times there in Kansas due to poor health or medical conditions. The reason is that most guaranteed life insurance policies have exclusions written in their agreement. These agreements are modified where there would be certain stipulations or certain requirements to be met before you or your beneficiaries can be granted payment. Some companies impose a certain period of time where you or your beneficiaries might get reduced or no benefits at all if you die within that period, say within two years from the start of your policy but might pay in full if the death is due to accidents or acts of god.
If you are generally in good health and still young, try to go with the medical or physical exam required by some life insurance providers. Most guaranteed life insurance premiums or rates can cost much higher compared to regular life insurance rates. This is because the life insurance company has no idea of your physical condition or how long you will live due to unavailability of health data hence you will be tagged as a high risk customer and your higher premiums will reflect that? If you do decide to continue with a No-exam policy at least get multiple policies from different providers to choose from. Also get a copy of a specimen agreement first so you can examine the details of the policy.
No Exam Life Insurance Options
Reader’s Question:
I’ve heard news of people getting HIV from needles used for blood tests. Whether or not that’s true, I’d hate to be the one to test it. Is there a way for me to purchase life insurance coverage while avoiding the hospitals here in Yonkers, NY entirely?
Adeline
Yonkers, NY
Hi there, Adeline. While I have not heard of such an incident happening in Yonkers, NY, in a way, you are right – HIV is transferred through the exchange of bodily fluids, including blood. However, that would mean that the needle used to take your sample has already previously been used and contains remnants of that infected person as well. Not just during medical exams but for any other purpose, you should make sure that the nurse or doctor drawing your blood or injecting something into your body uses a fresh syringe taken from a sealed package. Make sure he or she opens it in front of you. We can’t be too careful these days.
The above notwithstanding, I can understand how you may simply want to avoid the stress and anxiety. Don’t you worry because you can avoid the blood tests simply by applying for a no exam life insurance policy. While no exam life insurance coverage is usually more expensive than if you had submitted the usual requisite documents, the value of the stress and anxiety a medical exam would have caused may tip the scale over.
I suggest that you start by getting free no exam life insurance quotes online. Just enter your zip coed on the forms on this page and answer the following questions. These will approximate the questions that an insurance agent usually asks. Your answers will input into the calculation of the premium to be quoted. So, you see, the free no exam life insurance quotes will give you an idea of how much actual premiums will cost in Yonkers, NY.
Buy Cheap No Exam Life Insurance
Reader’s Question:
I’m totally scared of needles. Is there some way to get life insurance without having to have blood tests here in Seattle, WA?
Esther
Seattle, WA
You’d be surprised to know, Esther, that there are a lot of people who feel the same way you do – men and women alike. I, myself, have been traumatized by needles at an early age. My veins were so hard to find, it usually took 3 to 4 pokes before they could get the needle in a large enough vein. Who wouldn’t be scared of needles after that, eh?
Well, to answer your question, Esther, I’m glad to report that most insurers in Seattle, WA, now offer the no exam life insurance coverage. The no exam life insurance coverage allows you to apply for life insurance with a company of your choice without having to undergo the usually required medical check-up. Free quotes for no exam life insurance can also be obtained online by entering your zip code on the space on this page. Having access to free life insurance quotes will enable you to get a clearer idea of how much the premiums in Seattle, WA are likely to be.
You do have to expect that premiums are likely to be higher because the lack of a medical exam increases your “riskiness”. The good thing is that most no exam life insurance policies offer a ten-day clearing period – time for you to review the terms of your life insurance policy and for them to validate your answers regarding your medical history. Within the agreed clearing period, you’ll be able to back out without any financial repercussions.
No Exam Life Insurance Online
Reader’s Question:
I hate going to the hospital. I don’t like being probed – is there a way to avoid this when applying for life insurance coverage in Daly City California CA.
Lily
Daly City California CA
Hi there, Lily! Being physically examined, even by a licensed medical practitioner does feel invasive to some people. If that is the way you feel, you might be interested in availing of the no exam life insurance policy. This allows you to enter into contract with an insurer regarding life insurance coverage without having to undertake a medical examination, which most insurance companies require. Notwithstanding, you do have to answer questions about your state of health. With the presumption of honesty, this now becomes one of the bases for the calculation of the required premiums.
Besides the convenience of not having to subject yourself to a medical exam or the long hospital cues, initial information would also be available online. I suggest you enter your zip code in the online forms so you can determine whether this type of coverage is available in Daly City California CA, You can also receive free quotes from your local insurers online so that you can gauge how much it costs compared to the conventional insurance. A broader knowledge of what’s available in Daly City California CA as well as of the range of premium costs prior to committing to a specific no exam life insurance contract would enable you to choose the most cost-efficient option for yourself.
Well, Lily, I wish you the best of luck in choosing your no exam life insurance. With the so much available online, I’m sure it won’t take a lot of time.
Where to Buy No Exam Life Insurance?
Reader’s Question:
What does no exam life insurance mean and is it available here in Indianapolis Indiana IN? Sounds to me like it’s too good to be true. How do I know it’s not just some insurance gimmick?
Julian
Indianapolis Indiana IN
Hi there, Julian, those are quite valid questions indeed. First, let me explain what no exam life insurance means. No exam life insurance is actually a new innovation of life insurance companies to provide evermore convenient customer service. Basically, it means that the insurer waives the usual medical exam requirement when you apply for life insurance coverage in lieu of certain questions you need to answer truthfully. The catch is that if you lied about your medical history or condition, it gives reason for insurers later on to refuse you service – so don’t lie.
Instead of me just telling you about what is available, I suggest you search for available no exam life insurance online by keying in your zip code on the forms on this site. You can search and receive free quotes from life insurance providers in Indianapolis Indiana IN.
I understand that life insurance coverage is an investment and you want to be assured of the authenticity of the life insurance policy you are getting. Hard though it may be to admit, there have been a lot of internet scams committed in the past. Now, however, it is easier to protect yourself – I suggest that once you’ve chosen your insurer, verify the company profile and financial stability first. There are a lot of official online sites where you can do this. You can even check their license. Just remember, information is available, you just need to seek it.
What Is The Best No Exam Life Insurance Policy?
Reader’s Question:
My parents are both Filipinos who moved to the US because of work. Would this be a problem if I apply for no exam life insurance in Seattle Washington WA?
Maria
Seattle Washington WA
Hi Maria! I’ve been to the Philippines a couple of times, mostly to Palawan and Manila. Palawan seemed like paradise with the relaxing waters and friendly people while Manila was a crowded, bustling concrete jungle of shops selling good quality but very affordable stuff. I remember the remarkable contrast and distinctly wondering how two very different places could possibly be in the same country!
Anyway, Maria, you are lucky to have the best of both worlds – and no one has the right to refuse you coverage just because you do. You see, under Washington state law, national origin, even color and race, could not form the basis for insurance companies to refuse to give you insurance. This covers Seattle Washington WA, of course.
With that clearly settled, I recommend that you start your search right away by entering your zip code in the forms on this page. This will enable you to search for potential insurers and receive free no exam life insurance quotes from insurers in Seattle Washington WA.
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