It is a common fact that a lot of people are refused life insurance policies for a wide range of reasons. This can be due to a recent illness or that they are reaching old age. Whatever the reason is there is now something available that does not discriminate and it is called no medical exam life insurance.
When this policy first came out there were probably a lot of companies who thought it was completely mad. Offering a life insurance policy to someone with no medical exam? How would they know what condition they are in and what happens if they make a claim within the first year?
But what others failed to see is that the majority of people who have been refused life insurance in the past have been so because of a previous illness, family history of disease, or that they are in their old age. This does not necessary mean that these people will drop dead tomorrow and make a claim. In fact they may well be healthy and living a busy life style and would like to cover themselves if something does happen.
What is a no medical exam life insurance policy?
The answer to this is in the name. It is a life insurance policy where the recipient does not need to take a medical examination by a clinic or doctor who is certified by the insurer. This type of policy is ideal for two groups of people: those who have been refused coverage and those who do not want the hassle of taking a medical examination.
The company will ask about previous health and if any claims on an individual’s health policy have been made. Family background will be checked and a questionnaire needs to be filled out. But there is no medical exam and most people will be accepted.
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