life insurance that requires no medical exam

There are two main types of traditional life insurance policies: Term and permanent. Whole Life Insurance is the most popular type permanent life insurance.

If you are a person who is not undergoing a medical exam, you can pursue life insurance without a medical exam. Being a smoker, managing a preexisting health condition, or having a medical condition that requires a medical exam may make it difficult to obtain no-medical examination life insurance. If you are afraid of needles, it is possible to seek life insurance without a blood exam. You might also be interested in no-hassle, no-wait life insurance. You will generally be eligible for lower rates if you are younger than the average age for traditional life insurance.

No exam life insurance was expensive when it first became available. Many companies are now offering no exam policies. Competition has significantly reduced the cost of your exam.

You should think about what you want out of your life insurance policy if you are considering purchasing it at your age. Are you looking to leave a legacy of cash to your loved ones? Or do you want to ensure they can pay your final expenses?

You should also leave enough money to your beneficiaries if you need it. Same goes for outstanding bills like car payments, utilities, and other daily living expenses.

No exam insurance is a great choice for those who don’t have time or dislike needles and who need life insurance fast.