The quickest way to get life insurance coverage does not require medical exams. Find out who qualifies, the benefits of no exam life insurance, and how the application works.
For one reason or another some people may find themselves without life insurance coverage and need to get themselves covered quickly, this is where life insurance without medical exams becomes extremely beneficial. The reason is because a lot of the paperwork is cut out as you do not have to undergo the stringent medical examinations that insurance companies insist you have. There can be many reasons why your previous policy has expired and why you need a new one but it is also important that you have life insurance coverage because you may find yourself in an accident and having to fork out a lot of money on bills.
Who can qualify for life insurance without medical exams?
If you are an American citizen then you will automatically be accepted for life insurance without medical exams. You will have to demonstrate that you can afford to pay the premium whether it is in one lump sum or flexible instalments.
All you will need to do is find a company that offers life insurance without medical exams and follow their easy application steps. Once this has been setup you will find that in no time at all you will have a decent level of coverage protecting you in the event of an accident or contracting a serious disease.
Other benefits of no medical exam life insurance
If you have suffered from a serious medical condition recently or in the past and have found that your current insurance company is refusing to give you coverage or will only partly cover you then this is time that you should look at life insurance without medical exams. The reason is because you don’t have to undergo any medical examinations and tests all you need to do is simply fill out the forms and pay the premium.
You must remember that you may not get the high amounts that you were previously entitled to but the level of cover is very substantial and you will always have the peace of mind in the back of your head that you have got cover.
Another benefit of life insurance without medical exams is that there is still a range of coverage available so you do not have you settle for a small pay-out and depending on your age claims can be as high as $50,000. If you do a little searching you may be able to get a lot higher.
No matter what condition you are in, not having any life insurance can mean that your partner will have to foot the bill for any medical conditions. If you have any debts outstanding, for example a mortgage, they may be stuck with those payments as well. Getting life-insurance without medical exams means that you will have peace of mind in the event of the unexpected happening and know that your loved ones will not be left with the burden of your untimely death.
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