Reader’s Question:

My term life insurance is about to expire and I have no intention of renewing it with my current insurance company. I’d like to get a new one with a new insurance company, but I’d like to forego the tedious exams and applications. When I applied for my current life insurance here in Thornton Colorado CO, it took me forever. Is there such a thing as no exam life insurance?

Queenie

Thornton, CO

Hi there Queenie. That’s a good question to ask.

There are a lot of insurance options in Colorado, and I’m sure no exam life insurance is one of them. As we all know, traditional life insurance policies take a long time to process before approvals are made. You still need to go through a medical exam, hordes of interviews, underwriting processes and the like just to get your insurance policy.

But the thing is, insurance companies in Thornton Colorado CO are now riding with the times. They have realized that the world is indeed so fast paced, that some people simply do not have the time to stand and wait just to get their insurance approved. Thus, no exam life insurance policy was born.

Whether you’re thinking of getting one because you hate waiting, you don’t have time to wait or because you’re afraid of medical exams – you can now get life insurance minus the hassle of exams and tedious application processes. Most life insurance companies now make use of online transactions, so you can start shopping and even applying online by just filling up a short form. No life exam insurance policies do not necessarily consider medical conditions as part of their approval criterion, so you do not have to conceal any underlying medical condition that may have made you wary of insurance policies with medical exams, in the first place.

No exam life insurance is not 100% guaranteed to approve you, but if you would be approved – it happens in less than thirty minutes. I guess it wouldn’t hurt to give it a try. Just contact your local insurers in Thornton Colorado CO and ask about no exam life insurance policies.