Life insurance without medical exams: what type of coverage can you expect?

Jan 23


Rosa Herrera

Rosa Herrera

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Life insurance without medical exams may be quick and easy but what level of coverage can the insured expect? Find out why no medical exam life insurance is so popular among older Americans today.


The reason why anyone would consider life-insurance without medical exams is probably because they have had a large medical claim in the past or are not in very good medical condition. For example,Life insurance without medical exams: what type of coverage can you expect? Articles people who have suffered from heart attacks or cancer will find that a lot of insurance companies no longer want them on their books. Finding suitable coverage can be a long and daunting task. You may have to take many different types of medical exams to find out that insurance providers will not cover you for the health conditions you suffer from.

How life insurance without medical exams works

You’ll find that life-insurance without medical exams works on a basis where you simply fill in the standard application and bypass the actual exam that is carried out by the insurance companies’ doctor. This means not only can you gain insurance coverage extremely quickly but it will also guarantee that you are covered.

For people who are suffering from a potentially life-threatening condition, it is very important that they get alternative coverage sorted out quickly. Using a company that does not conduct any medical exams means that you will be covered and will not be leaving your spouse or loved ones with any great financial burden.

When applying for life-insurance without medical exams you must be prepared to pay a premium over the standard coverage. The reason is simply because you will be classed in a higher risk category and are more likely to make a claim. But you must also consider that paying this higher price will mean that you are covered in the event of an emergency so you can rest assure that you will receive a pay-out no matter what happens.

Some life-insurance without medical exams policies will only cover you up to certain amounts but these will be substantial figures that will see you getting a good level of financial assistance in the event of death. Also it is important to remember again that having insurance is a lot better than having none at all because you will be able to continue your life without the stress of leaving behind debts.

Why is life-insurance without medical exams more popular today?

The reason why life-insurance without medical exams is growing in popularity is because insurance companies have started to tighten their belts as the cost of living rises. Also the average higher national debt and people living longer premiums have risen too, because more policies are being sold to people in the 50 to 75 year old age range than before.

If you are in need of medical coverage quickly then life insurance without medical exams may be the right solution to your needs. You will be able to live your life knowing that in the event of an accident, your medical bills, debts and funeral expenses will be covered. These policies can also leave your partner or family will a small lump sum.

Read more: Life insurance without medical exams is the quickest way to get coverage today