If through no fault of your own you have suffered a serious disease like a heart attack then you will have experienced being refused life insurance coverage. There is no need to live in fear of dying any more as no medical exam life insurance policies will allow anyone to have the cover that they need.
No medical exam life insurance policies have provided peace of mind to many thousands of individuals who have suffered from underlying conditions or serious diseases in the past. A lot of people today have been refused general insurance coverage because companies have tightened their belts and have become stricter in their criteria of accepting policyholders. This has meant a large amount of people have had to go without any type of life insurance coverage.
Even senior citizens who are in good health and have never made a claim before on a policy of this sort have also found that they are being refused a policy. It is because of their age they fall into a high risk category where they are at risk of making a claim. No medical exam life insurance does not take age into account when issuing coverage to individuals.
No medical exam life insurance policies are a great way to gain the coverage that you need so that you can live the rest of your life without having to worry about leaving any financial burden on your loved ones. It allows for you to plan for their future and even start to enjoy their lives again.
It is important to remember that there is no medical exam but you will have to fill out a questionnaire that asks you about your health. Depending on what state your current condition is they will issue a policy that is related to you individually. This means that if you are quite young and healthy your premium may be slightly lower and the pay-out lump sum higher. But if you are a senior citizen and are not in a very good condition you will still be able to get coverage but you may be paying slightly more for it and the pay-out will be less than a young person’s policy.
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