![]() This often results in concerns about high premiums, low coverage amounts, or even the process of going through a medical exam altogether.ĭuring a medical exam, applicants are asked in-depth questions about their health, genetics, and lifestyles. While, by law, no insurance provider can deny you coverage solely based on your health, it may not be ideal for you to undergo the medical exam that is mandatory for most policies. ![]() For those that value both convenience and quality, no medical exam policies hold huge appeal.Īdditionally, if you suffer from a chronic pre-existing condition, you may assume that you are uninsurable. In fact, many of these types of policies can be bought over the phone or even online, with approval happening within a few days rather than a few weeks. ![]() As the name suggests, applicants do not need to undergo a medical examination in order to purchase coverage, dramatically cutting down on the amount of time it takes to get approval. ![]() For this reason, we offer what is known as “no medical exam life insurance” policies to those who fall under this broad category. While it should be a part of everyone’s financial health, the tedious forms, long wait times, and the obligatory medical exam make it seem not worth the trouble. ![]()
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