Can I Get a No Exam Life Insurance
Reader’s Question:
If I don’t want to undergo a medical exam for a life insurance application here in Washington, does that mean I can’t get covered?
Anna
Tacoma, WA
If you think that you can’t get life insurance because you don’t want to take a medical exam, then you may be surprised that there is a totally simple plan available for those who want to have affordable life insurance without taking a medical examination.
Certainly, this is good news for a lot of consumers who think that they are left out of the rigorous terms and conditions of better life insurance plans, normally requiring thorough health examinations and medical reports to be eligible for sufficient life insurance coverage. However, because of the revisions done by various A-rated life insurance companies today, there is life insurance no exam available for those who don’t want to undergo medical examinations as a requirement to be eligible for a life insurance policy. Therefore, life insurance no exam would only ask you to answer certain health questions and this process can be done online. In a span of a few minutes, you can finish this method, thus saving yourself some effort and time normally eaten up by doing these things through a live person in a life insurance agency in Washington.
If you just visit a Website of an online life insurance company, you don’t have to undertake a medical test as required before; however, this is just a privilege available to consumers opting to have short-term life insurance policy. A benefit from this kind of life insurance policy is that it is easy, reasonably priced and quick to purchase.
What Happens if I Choose No Exam Life Insurance?
Reader’s Question:
Hi! I’m not sure if my health condition is extremely well, and I don’t want to pay for higher premiums. What happens if I don’t disclose everything about my health? You see, I’m thinking of getting no exam life insurance here in Kent, Washington WA.
Sully
Kent, WA
Great question. Bad health does usually translate to higher premiums because insurance companies see it as high risk. And it is true; a lot of people would like to and are tempted to not to disclose information about their health conditions. But there is a risk in doing so. Your insurance company in Kent Washington WA might eventually find out that you have not disclosed all information regarding your health, or have kept a pre – existing illness from them – and they can choose to drop your policy right away because of fraud.
But the thing that caught my eye is that you’re getting no exam life insurance. You really don’t need to worry because no exam life insurance was made specifically for people like you in mind – people who generally can’t get regular life insurance because of medical conditions that would cause you to fail on a medical exam!
This means that you really don’t have to worry about your medical condition. Some no exam life insurance companies though, ask about pre – existing medical conditions in their application forms. Let me just tell you that this does not weigh against the decision on whether to approve or deny your application.
Hope this enlightens your mind. Start shopping for life insurance by typing in your zip code on the appropriate space on this page to get quotes from no exam life insurance companies there in Kent, Washington WA!