Is a no medical exam life insurance policy for you?
Due to the popularity of no medical exam life insurance policies, there has been a large demand for quote request from our online customers at Top Quote Life Insurance. For many of our online customers it is a perfect choice when considering life insurance coverage but of course this type of life insurance coverage may not be for everyone for a variety of reasons.
Consider a no medical exam life insurance quote if:
You live a busy life and need quick life insurance coverage now.
No medical exam life insurance policies are ideal for individuals that need life insurance coverage quickly. This type of coverage is perfect for busy moms and dads who are constantly on the move with work, family activities and just don’t have the time to wait on traditional underwriting. No medical exam life insurance policies also work great if you need life insurance coverage to secure a bank loan, in which the policy needs to be collaterally assigned to the bank in a hurry. “Leaving to go on vacation and worried about not having life insurance coverage?” Consider purchasing a no medical life insurance policy.
You haven’t visited with your doctor for a checkup in awhile.
When was the last time you visited with your doctor and had lab work done? Has it been a while? If so, you may want to consider a no medical exam life insurance policy. You may think you are healthy and you very well may be, but what if there is a chance your cholesterol, glucose, triglycerides or any other levels that are tested for have unknowingly changed?
An elevated lab test can result in a significantly higher premium or even worse, a decline in coverage. Remember, no medical exam life insurance policies do not require you to be in excellent health, however you need to be healthy. If it’s been a while since you had lab testing done, consider purchasing a no medical exam life insurance policy.
You don’t require more than $500,000 in coverage.
If you do not require more than $500,000 in life insurance coverage, consider a no medical exam life insurance policy. If you are in good health, you can instantly secure up to $500,000 in death benefit coverage. Need more? Consider purchasing an additional policy with a second no medical exam life insurance company.
Needles, blood and high blood pressure readings? No thank you, I’ll pass.
Have a fear of needles, blood draws or blood pressure readings? Then there is no doubt that a no medical exam life insurance policy is the perfect choice for you!
You’re okay with paying a little more for instant convenient coverage.
Yes, there is a little catch to no medical life insurance policies and it involves the price you are going to pay for quick convenient coverage. Don’t worry though it’s not as bad as you might think. A majority of the time it’s as little as double of what you would pay when taking a medical exam.
Example: Male age 45
Transamerica Trendsetter Super 10 Year Term $100,000 approved standard non-smoker with a medical exam. Monthly premium = $20.48
Transamerica Express 10 Year Term $100,000 approved standard non-smoker without medical exam. Monthly premium = $30.63
You are in good health.
No medical exam life insurance is a great option for life insurance coverage. Our commitment to you is to make sure you are getting the best price for your life insurance. Once we have received your request for coverage, we will review it with you. If we think you could do better with traditional term life insurance we let you know and provide you with rates for both options. If no medical exam life insurance simply makes more sense for your situation, then by all means we will do everything we can to get you approved and covered right away.