I Need Help With a No Exam Life Insurance in California
Reader’s Question:
Hi. My life insurance’s term will end five years from now. I’m worried because I’m not that healthy anymore and I might develop a medical condition before the term ends. I remember having to go through a medical examination before they approved to cover me and I’m worried about that. A friend told me that there’s something called no exam life insurance policies available here in California. Do they exist? And if they do, are they legitimate?
Lia
Alameda, California
A lot of people have been asking about no exam insurance policies, and I must say there are A LOT of questions. It’s only but natural to wonder, because it’s a whole lot different (and in some way, a whole lot better) than the traditional kind of insurance that we have been so used to over the decades!
A lot of people, like you often ask about the legitimacy of these policies, so let’s get down to that. Yes, no exam life insurance policies are legitimate – and they exist, not only in California but all over the United States. As you can gather from its name, these are insurance policies that do not require any medical examination during the application process.
There are positive and negative things about this policy. Because you don’t have to go through medical examinations, the process is a whole lot faster and you’ll be able to know if your application is approved or denied in no time. Sounds good right? But you have to remember that even if there is no exam, you aren’t exactly guaranteed of getting a coverage. And it also costs more than traditional life insurances. But remember that paying extra is just a small price to pay if it helps you get what you need the most.
The thing to remember is just to make sure that you’re dealing with a reliable company. The best way to do this is to look for legitimate companies that offer no exam life insurance online. Enter your zip code on the given space and start insurance shopping. Good luck!
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