The Fact Regarding Time Period Life Insurance With No Examination

Chances are you’ll be surprised – a few of you pleasantly shocked – to seek out out that not all tem life insurance corporations require potential policyholder’s to bear a medical exam. That’s right; you will get time period life insurance with no exam. Not that there are term life insurance companies on the market providing term life insurance coverage policies with no medical exams, however, there are some out there.

Whether or not you are going to have the ability to get term life insurance with no exam actually will depend on the time period life insurance coverage firm from which you wish to buy your term life insurance policy. Each time period life insurance coverage company requires, or doesn’t require, its potential policyholders to undergo a medical examination based on that exact time period life insurance company’s underwriting process. For example, some fly-by-evening time period life insurance coverage firm’s could try to lure customers by boasting the fact that they offer time period life insurance with no exam. On the similar time, longstanding and respected time period life insurance corporations may provide time period life insurance coverage with no examination to potential policyholders of a sure age who want to buy a certain amount of time period life insurance.

So, if you’re looking for term life insurance coverage with no exam, you simply must contact several totally different term life insurance firms and ask about their underwriting processes so far as medical exams are concerned. At all times analysis the time period life insurance coverage company earlier than purchasing anything.

Whether or not a term life insurance firm requires a full medical examination, most term life insurance corporations do require a blood pattern and/or urine sample. These samples are used to find out the kinds of medical circumstances you’ve gotten, whether or not you realize about them, subsequently allowing the time period life insurance coverage firm to decipher the form of risk they face in the event that they insure you. Blood and urine samples are additionally used to search out out what sorts of medicines – prescription, over-the-counter, and unlawful – you take.




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