I heard that it’s possible to get life insurance without having to go through a medical exam. If that’s possible then I’m very much interested in getting it through that way. Can you tell me how can I get one? Thanks!

Ivy

Austin, TX

That’s correct Ivy. Buying life insurance without you having to go through a medical exam is possible. Usually this means that you will not be required to give your blood and urine sample. You only have to answer some health questions provided by the life insurance company and then you can get your own no exam life insurance coverage. So how are you gonna get one? Here’s how:

• I would suggest that you use the Internet as your method of finding no exam life insurance since it’s so easy to use. All you need to first do is to run a search for no exam life insurance. Then just click on the links so you can visit the websites that offer it.
• Make sure to read everything carefully including the insurance policy and terms and conditions.
• Let’s say you’ve already chosen the insurance company where you’re gonna buy your insurance coverage, check on your potential insurer’s rating’s first. There are websites that can offer you that information.
• Fill out the questionnaire you saw on the websites accurately. Remember, you will be asked questions regarding your habits like if you smoke or drink. Also, expect you will be asked to give out personal information too. Then once you’ve filled out everything and submitted the form you will then receive life insurance quote.
• It’s time to fill out the application form. Once you’ve submitted that the insurance company will then decide about your application. If they’ve accepted your application you will be receiving this time a detailed insurance quote that includes details about the insurance coverage and clauses.
• If you have some questions about your application then ask. If you think it would help you more if you consult an agent then do so.
• Make sure you understand everything before accepting the agreement.

That’ how easy you can get no exam life insurance. You can try getting it now by just checking the websites. If I am not mistaken, you can even get it through this website. Good luck!

Can I get life insurance coverage without having to go through a medical exam here in Massachusetts?

Roma

Cambridge, MA

Good question. Yes! These days there are many life insurance providers that allow you to buy No-Exam life insurance coverage. This trend is actually quite recent, created by the need of insurers to stay in business in an increasingly competitive market. To people who would have otherwise been refused life coverage had they needed to go through a medical or physical test (and subsequently fails said tests due to health or other reasons), a No-Exam life insurance policy maybe their only option to get a life insurance provider.

There are a few things you should keep in mind before you buy No-Exam life insurance coverage there in Massachusetts (or anywhere actually):

1. A No-Exam life insurance policy is usually more expensive. Without the medical/physical examination, the insurers are unable to determine your risk of dying within the coverage period accurately. So by default you are placed under the high-risk policyholders’ category. Higher risk equals higher rates.

2. Shopping for affordable No-Exam life insurance plans can be easily done on the Web. With the many available life insurance portals and websites – like this website you’re on right now – which offers free life insurance rate quote checks. Here you can easily compare which insurers cost the least to get coverage from.

3. If you are on a budget, reconsider getting a life insurance plan that requires you to take the medical or physical test, especially if you are relatively young and healthy. Why pay a few hundred dollars more a year if there really isn’t any reason for you to skip those tests?

Remember, a No-Exam life insurance policy is really something that should be left as a last resort, if you have been rejected coverage by many different insurers. The reason people pay more for this kind of coverage is because they really don’t have much choice. So think very carefully about it.

Can I compare rates for no exam life insurance coverage online as a smoker?

Rick

Thanks for asking, Rick.

As a smoker, if you compare rates for no exam life insurance coverage online, then you might get a preferable rate to what you would have been getting with an offline life insurance company which required an exam. If you smoke daily, then an exam would have picked up the nicotine in your urine anyhow, and so you probably would have gotten a substandard rating on your policy, which could mean hundreds of dollars out of your pocket. Even after you quit smoking, it takes five years with a standard company to get back to the point where you can get the best kind of ratings, which is the preferred policy.

Now, does that mean that if you compare rates for no exam life insurance coverage online, you’ll automatically get the best rates? Of course not. You should get a physical for another company anyway, so that you have that as a basis for comparison. After that, check out the online no exam rates. They’ll also be high, but you’re hoping they won’t be AS high.

take care,

Fashun

How does life insurance companies compute life insurance rates? I was talking to some life insurance agents here in South Carolina and all of them quoted higher rates for me. A friend told me its because I’m a smoker, is this true?

Desmond

Columbia, SC

There are a lot of factors used to determine your life insurance rates . Age, gender, weight, any health conditions you may have, your family’s medical history, your job, your lifestyle or activities you participate in, whether you take drugs, recreational or otherwise and yes, even being a smoker would definitely be considered when determining your life insurance rates. Once you submit an application with a life insurance provider there in South Carolina, they would use these information to evaluate your risk profile. The higher your risk of dying sooner, the more the provider would compensate for this risk by charging higher.

Smoking can actually cause your life insurance rates to be three to four times more expensive. Obviously, this is due to the serious, long-term implications that smoking brings to one’s health and lifespan.

If you are not happy with hat you are being quoted for life insurance, another option would be to go with a No-Exam life insurance policy that would not require to you to undergo any physical and medical exams. Although premiums for this kind of policy is not really cheap either, it may prove to be lower than what you will have to pay normally for being a smoker. Still, these are all guides and the best way to get affordable life insurance is to shop around. The Internet is full of life insurance portals that allows you to get quick, easy quotes and be able to compare companies for the best rates.

How can I buy a no exam life insurance in New Jersey?

Ashley

Newark, NJ

Non medical exam life insurance is also called as no exam life insurance. Because life insurance companies want to avoid risks, they ensure that their customer is in good health or in fairly good health by taking a medical examination. Non medical life insurance policy is usually issued to younger people, say under 35, because they have a lower probability of dying soon from a sort of illness. Life insurance companies actually benefit from issuance of no exam life insurance because it eliminates the costs of thoroughly investigating a life insurance policy.

Life insurance companies in New Jersey can also issue no exam life insurance policy up to age 60. A 50 year old for example can acquire a no exam life insurance policy without any medical examination. To apply, the life insurance company will ask you to complete a questionnaire including the medical history of your family. This is because there are certain illness that is hereditary like breast cancer and heart disease. If there is a history in your family, this indicates that you are also likely to develop this type of disease. With your consent, the life insurance company may ask your physician for a medical report which will ascertain that you do not have any illness in the present time. There are people who only find out that they have serious illness once they completed the medical examination. Although they may not get the life insurance, the findings of their medical examination may be just in time to treat the illness and save their lives.

What are the benefits for choosing to get a Whole Life Insurance Policy from an agent here in Ohio?

June

Cincinnati, OH

Whole life insurance policies are best for individuals nearing retirement age, and is looking into building up cash-value towards their money in the future. With this kind of policy you get the same death benefits as would most types of life insurance coverage, but a portion of the premiums you pay actually goes into building your policies cash-value, it’s kind of like having a savings account that earns tax-deferred interest over time as well as having life insurance protection. If you have a large sum of money there in Ohio, you could also purchase the whole value of the policy in one go (known as a Single Premium Life Insurance). There is also a form of whole life insurance hath is interest-sensitive and allows you to adjust your premiums to reach the policies goals depending on how the economy is going.

Another thing that a whole life insurance policy has going for it is that the premiums are mostly fixed. This is very attractive to people who choose to pay for insurance for the rest of their lifespan but does not want to go through the hassle of having to renew every decade or so. You do have to understand that whole life is more expensive than term life insurance so if you are looking for short-term coverage only then you may benefit with term life insurance. However, if you want your money building up over the years while having life insurance “just in case”, then whole life insurance is a good option for you.

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.

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.

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.

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.