Know How to get Super No Exam Life Insurance Plans

It is entirely possible that you have read information online that warns consumers against life insurance policies that do not require medical examinations, claiming that any insurance that does not need an examination is not a feasible option. Well, I have great news for you! While standard life insurance policies require applicants to undergo a medical examination before obtaining coverage, a life insurance no medical exam policy forgoes such a requirement. Because of a significant amount of misinformation surrounding no-examination life insurance on the Internet at the moment, I feel it is time to expose and disprove the fallacies and misunderstandings that you might have heard about life insurance without medical exam coverage.

Typical Misconceptions Surrounding Life Insurance No Medical Exam No Waiting PeriodPolicies

Misconceptions Regarding Denied Coverage

A “pre-existing condition” does not necessarily mean that a carrier will deny you coverage. I understand that some people can become discouraged after repeated rejections by insurers. They may even start to believe that they do not deserve to be insured. I am here to tell you that is not the case! The reality is that although people are obese, smoke, suffer from type-2 diabetes or have high cholesterol or high blood pressure, they can still be eligible for life insurance without having to undergo a comprehensive medical examination.

Myth About Number of Medical Questions in No Medical Exam Life Insurance

On applying for a life insurance policy with no medical exam, you will have to answer standard health questions, but it is a straightforward process. It will not be similar to the in-depth and extensive health condition checklist that one has to fill out at the physician’s office. I promise you: “no medical examination” is not a secret language that means a “200-page health/medical questionnaire.”

It’s Cheaper than you Expect

While it is true that you will pay relatively higher rates for a life insurance policy with no medical exam, you will find that it is not at all prohibitively expensive. Some people believe the monthly premiums will be double or triple or even fourfold the number of standard policies, but that is not the case. Many people pay between $9 and $150 per month more.

Scope for Good Deals

If you shop around you can get even better rates because the no medical exam life insurance market is quite competitive. However, it will be necessary to work with an insurance broker like myself because we have connections to every major insurance carrier that provides non-medical examination insurance. If you are with an agent who has links to only one or two carriers, you will be unable to reap the benefits and advantages that brokers like me can provide.

Minimized Waiting Periods

You might have to wait for up to six weeks, or even longer before your coverage beginswith many standard life insurance companies. However, the waiting period for my carriers’life insurance without medical exam is relatively short – depending on the carrier, you can complete your application online, and the approval process can range from 10 minutes to 20 working days. A life insurance no medical exam policy is particularly appealing to anyone who needs to have life insurance coverage quickly, or who do not want to undergo the inconvenience or bother that a complete medical examination entails.

Enhanced Coverage

Life insurance without medical exam often seems as being a “bare bones” and highly limited product, but you would be astonished by the amount of coverage it provides. It is not a “burial expenses only” product. The reality is that you can purchase enough coverage to satisfy your financial needs. Indeed, I can offer a no medical exam life insurance policy with coverage as high as $350,000. Of course,it is not for everyone, but there are ample reasons for choosing a life insurance no medical exam policy that doesn’t need a medical examination. For example, there may be people who enjoy puffing on the occasional cigar but who would nevertheless like to be eligible for the non-smoking insurance rates.

No Need for Blood Work and Other Tests

Also, there are others who hate the idea of having to undergo blood work, or they may be concerned about being exposed to all manner of germs in the clinics and offices where the examinations are carried out. If you are such an individual, then life insurance without medical exam would be ideal for you.

The Advantages of Buying a Life Insurance Policy with No Medical Exam

Immediate Coverage: If you need life insurance in a hurry for instance, for covering a mortgage or a business loan, this is a good option.

✓ Health Status: In case you are young and healthy, you may not feel the need for undergoing inconvenient medical tests.

✓ Aversion to Medical Examinations:Some people don’t like needles or invasive medical examinations. If you are that sort of person, a life insurance no medical exam, no waiting period plan is for you.

A Word about Eligibility and Questions Asked

A few requirements are that prospective policy-holders must be legal residents in the USA and should have resided in the country for over two years. You also need to have a valid US-issued driver’s license. Most importantly, you need to answer “No” to all the questions.
While a medical exam may not be required, there are a few typical questions that are likely to be asked which of course, I will review before applying. Understandably, the insurance carrier will conduct checks on the Medical Information Base (MIB) as well as driver history and pharmacy checks.

The following is a list of questions that you may face while applying:

Have you been diagnosed with Acquired Immunodeficiency Syndrome (AIDS) or AIDS-Related Complex (ARC), or has a test for Human Immunodeficiency Virus (HIV) come back positive?
Are you due to have a surgical procedure, or are you awaiting a diagnosis? Have you been told to have a diagnostic test, or are you undergoing a medical or mental evaluation that you need to complete?
Have you ever applied for or received Social Security disability benefits or Worker’s Compensation?
On average, do you drink more than three alcoholic beverages each day?
Are you currently taking more than two prescription medicines for pain?

Within the last ten years, did you undergo any treatment, medical instructions or consultation for any of the following?

Diabetes or high blood sugar diagnosis or follow-up treatment?
Cancer, but not including basal cell or squamous cell carcinoma?
Stroke?
Transient ischemic attack (TIA), otherwise known as a mini-stroke?
Chronic bronchitis?
Chronic lung disease?
Alzheimer’s disease or other dementia?
Anxiety requiring psychiatric evaluation/treatment or major depression, bipolar disease/mood disorder or schizophrenia?
Rheumatoid arthritis?
Paralysis?
Degenerative muscle disorder or nerve disease?
Drug or alcohol abuse?
Any disorder or disease of the heart, blood, liver, pancreas, aorta, coronary arteries, peripheral vascular system, brain or connective tissues or kidney (not including kidney stones)?

Over the last two years, have you:

Undergone evaluation in an emergency room for any chronic illnesses that required long-term medical care?
Taken part in an extreme sport or dangerous activity?
Been hospitalized?

Within the last five years:

Have you been convicted of, or pleaded guilty/no contest to a felony, DUI, reckless driving, misdemeanor or DWI?
Have you been incarcerated?
Have you participated in a parole or probation program?
Do you have any current criminal charges?

My No-Medical-Examination Term Life Insurance

I offer a genuinely uncommon and particular Life Insurance Without Medical Exam platform that gives everyone the opportunity to use the internet to run a quote and submit an application for a term life insurance policy. You can do everything online, and you never have to speak with an agent. However, I am available to answer any concerns or questions that you may have. Alternatively, you can print out an application, scan it and send it to me.

That is not all! More excitingly:

You can complete the whole process in approximately 10 minutes! If you are eligible, a term life insurance plan of up to $350,000 face value can be yours, and in force, in around 10 minutes!

What is the catch?You may ask: the plan has got to be incredibly costly?

Althougha life insurance policy with no medical exam plan is relatively costlier than standard full medical examination plans regardless of the carrier, it might not cost much as you expect – you may well end up paying just $9 to $150 per month more.

Do I have to be super-healthy to qualify?

You do obviously have to be in good overall health. But don’t be discouraged. You may still qualify for the life insurance no medical exam no waiting period plan even if you have minor health problems such as high blood pressure that is controlled, high cholesterol or Type-2 diabetes that is well-controlled with diet and medications, but not with insulin.

The requirements for no exam life insurance plans are:

Open to applicants aged 18 to 60
Coverage amounts start at $25,000, up to a maximum of $350,000
Terms of 10, 15, 20 and 30 years
Available in every state except for the State of New York
Open to tobacco users
A fully online application process
An average approval time of three minutes
The policy is delivered electronically by email in all states except California
The plan is renewable when the term period ends

Contact me right away if you do not meet all the requirements above. I have access to other non-medical examination carriers. My number is 800-549-2272. Call me today! I am available to assist you.
Because this is an online product, the carrier’s automatic acceptance can be somewhat tighter. If you fall within the High-Risk Health Impairments category, I can assist with some cases. Again, please contact me for further information and advice.
If you are above 60-years-of-age, you could consider a smaller and simpler whole life policy. For example, AARP Life Insurance, United Home Life, Foresters and American National each offer a more modest, simplified whole life policy. You can learn more about no medical exam term life insurance plans HERE.

Inexpensive No Medical Exam Life Insurance Policies

If the prospect of a term life insurance only policy that goes up to $350,000 interests you, it is possible for you to receive a quote and apply online, without having to go through an agent. However, if you have any questions or clarifications, I am ready to assist you.
To begin your life insurance no medical exam policy, just CLICK on the image below. In as little as 10 minutes, you will get a decision.

Overview of National Life Group Insurance Plan

Open to applicants aged 18 to 60
Terms of 10, 15, 20 and 30 years
Coverage amounts from $25,000 to $350,000
Smokers are eligible
Available in every state except New York
A fully online application process
The average approval time is three minutes
Your policy is delivered by email in all states, except California
You have the option of renewing the no medical exam life insurance policy at the end of the term period
You will need to have your EFT or your credit/debit card information to finalize the application process.

Contact me in Case of Automatic declines

I am a specialist in High-Risk Life Insurance plans, so contact me:

If you suffer from a moderate to significant health condition
If you are receiving Social Security Disability. Note: VA disability is okay
If you have or have had any legal trouble
If you are unsure about anything

Please call us at 1-800-549-2272, and we will assist you.

Background information on my carrier:

✓ A Fortune 1000 company, National Life Group, is almost 170 years old.
✓ Serves 840,000 customers. In 2011, the company’s revenue was $1.5 billion, and the net income was $124 million.
✓ National Life Group members employ approximately 900 employees, the majority of whom work at the company’s home office in Montpelier, Vermont. There are also offices in San Francisco.
✓ Life Insurance Company of the Southwest (LSW) also falls under the National Life Group umbrella.
✓ Annuities available as well

How do I compare alternative Term and Whole Life Insurance quotes?

Being an independent broker, I have access to some different carriers that offer No Examination Life Insurance, and I work directly with six Top A-rated carriers that provide that type of plan.

Your Self-Assessment Requirements

You must make a candid and precise assessment of the actual state of your health. You should consider:

Your current height and weight
The number and types of medication you are currently taking
Any/all of your medical conditions. Please note that I have access to carriers that offer life insurance no medical exam plans which will weigh up any pre-existing health conditions such as high blood pressure, diabetes and high cholesterol.
Your age: premiums rise with increasing age, so the younger you are, the less expensive it will be

Options for Life Insurance Without Medical Exam Plans

Whole Life Insurance
Term Life Insurance
High-Risk Life Insurance: for example, high-risk activities or medical concerns
No Medical Exam Life Insurance for Senior citizens: if you are seeking quotes from Mutual of Omaha, AARP or Colonial Penn, do telephone me for a comparison of the rates offered

How much am I eligible to apply?

The majority of carriers offer face value cover up to a maximum of $250,000 for term life insurance policies.
You do need to make sure that you have thoroughly considered your term life insurance needs, and that you know what your financial requirements will be. I will be happy to be of assistance throughout this process. It is reasonably straightforward, but you have to be sure to include any and all potential cash requirements in the event of unexpected death.

I understand, yet how can I be confident that I am getting the best deal for me?

As stated earlier, I have access to six of the top A-rated carriers that offer life insurance no medical exam no waiting period plans. As such, when I run quotes, I am shown offers from all of the six carriers that pertain to your request. I will pass those quotes on to you, and you can compare the rates yourself.

What does the application process involve?

You can apply for the plan over the telephone. All six carriers that I use offer phone-in applications using e-signatures. When you are ready to start the application process, please telephone me so that we can go over all of your needs and requirements before making the application. Once everything is deemed satisfactory, you can apply. The whole process should take roughly 20 minutes.
I have access to several carriers that are offered online and instantaneous life insurance no medical exam policies that will involve hardly any agent interaction. You apply online and, within just a few short minutes, a life insurance policy will be yours!

How do I go about getting started?

The best and most proven way is to telephone me at 1-800-549-2272. You can do so with the guarantee that I will NEVER pressure you or give you the hard-sell. My role is chiefly to assist you. If you are satisfied with a quote, then that is great. If you feel the quote is not right for you, then I accept that. Your complete satisfaction is my overarching aim!
Call me today!We work with multiple carriers that offer a No Medical Examination Life Insurance policy that will be just right for you. I am an independent broker. I am indeed not tied to one particular carrier. I will assist you through the minefield of personal life insurance and offer you information that I can personalize to your unique needs. Feel free to call me today at 1-800-549-2272.