Insurers have reached out to that portion of uninsured people who do not take insurance policy because of medical tests. Life insurance without medical exam is one such arrangement that allows the customer to get the policy without any extended headache. People sometimes need the policy real fast, and they cannot wait for all the associated medical reviews. So, they can get this type of policy to save time and effort as well.
Why life insurance no medical test is required?
Sometimes, not all applicants are able to get the insurance policy. Some of them are totally denied of the insurance or are granted very less coverage because of their medical history and lifestyle. People doing some very risky works like rock climbing or having unhealthy lifestyle may not be granted the insurance because of the high risk involved. So, there are some insurers available online that have come up with the idea of giving the insurance to the needy people without bothering them with medical screening. Such people are actually given the death benefit that is available to them if death occurs within the policy term.
Sometimes, not all applicants are able to get the insurance policy. Some of them are totally denied of the insurance or are granted very less coverage because of their medical history and lifestyle. People doing some very risky works like rock climbing or having unhealthy lifestyle may not be granted the insurance because of the high risk involved. So, there are some insurers available online that have come up with the idea of giving the insurance to the needy people without bothering them with medical screening. Such people are actually given the death benefit that is available to them if death occurs within the policy term.
How life insurance without medical test can be obtained?
Applying for life insurance without medical test can be done simply by talking to an agent on phone or filling the application form online. You can get the quote (expect it to be higher than the traditional insurance), fill the form, and make the payment online. Applicants are normally given three kinds of life insurance without medical test policies to choose from:
Conditions where One Does not Want Medical Tests
People avoid medical tests because of the following reasons:
Applying for life insurance without medical test can be done simply by talking to an agent on phone or filling the application form online. You can get the quote (expect it to be higher than the traditional insurance), fill the form, and make the payment online. Applicants are normally given three kinds of life insurance without medical test policies to choose from:
- Simplified issue life insurance
- Graded benefit life insurance
- Guaranteed issue life insurance
Conditions where One Does not Want Medical Tests
People avoid medical tests because of the following reasons:
- They have not seen their doctor for many years: Since there are no symptoms visible, people think themselves to be fully fit, but the medical tests may tell a different story. So, to avoid such confusion, people prefer going for life insurance without medical checkup.
- They do not have time and patience: If the schedule is extremely time-pressed and the need to get the insurance is pretty dire, one may not mind shelling out higher premiums from the pocket to get the cover.
- They want to speed up the process: Sometimes, a person just wants life insurance policy in his hand the moment the idea of getting the cover creeps in the mind.
So, if you have made up your mind, simply call the agent today and get the required cover for your loved ones right away.