No medical exam term life insurance is a term life policy that can be purchased without the need for a medical examination.
Sounds like the best option, right?
But over the years things have evolved…
Let me explain.
Typically, in todays insurance world everything is done on-line. When you apply for life insurance you start with a quoter. These quoters are found all over the internet.
Like ours, you fill in your age, height/weight, answer some simple medical questions and instantly you get a list of insurance companies willing to cover you along with the premiums they can offer.
Now with these quotes sometimes they will say, “no medical exam needed,” based on the information you provide. Other times they may note, “possible,” medical exam and finally an exam may be, “required.”
You can choose which insurance company and premium you prefer and continue the process.
If the insurance company you choose offers to cover you without an exam-you’re done. The policy is yours.
You pay the premium for the policy and you’re covered-instantly/quickly.
That’s what makes these policies so great.
However, if you find that the companies are requiring an exam- take heart. The process is easy and often you can get the coverage you need in less than 1 month. We are your guide and help keep the application process moving so you get the coverage you are looking for-quickly.