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No Medical Exam Life Insurance Quotes
By Tom Poblano - Here are a few reasons why you may want to consider No Medical Exam Life Insurance Quotes.
1. If you need immediate coverage and you cannot wait the 4-6 Weeks needed for a fully underwritten policy.
2. Perhaps you are Younger and healthy ( If you do have some health problems, I also have a few No Medical Exam carriers that can offer coverage)
3. You hate medical exams – needles etc. 11111111111111111111111111
Some people need to have a policy immediately in place. I find this to be the case for those that are applying for loans. Loans may be mortgage or SBA Loans and the lender may require you to have a Term Life Policy in place prior to funding the loan.
Young and Healthy:
Rates for young people can be very affordable. Immediate coverage and no medical exams are some of the reasons that young people may want to consider a No Medical Exam Life Insurance.
Yes you can. Although, as you will probably conclude, the rates will be higher.
I occasionally smoke Marijuana , can I get a No Medical Exam Policy:
If you smoke Marijuana , No Medical Exam carriers will classify this as illegal drug use. This does not mean you cannot qualify for a policy, you can , but it would have to be a full medically underwritten plan. Click HERE for more information.
Can I get a No Medical Exam or any Life Insurance Policy without a Social Security Number?
No , you must have a social security number to apply for any life insurance policy.
Hate Medical Exams:
If you know you are healthy and simply don’t want to take an exam, the No Exam Life Insurance plans are a product that is perfect for you. The insurance companies will ask you questions on the application and you should be able to answer No to the various questions. ( I review all questions prior to applying). The carrier will check the MIB ( Medical Information Base), Pharmacy Check along with a Driver history check.
Here is a typical list of questions:
Customer must answer “NO” to these questions. ( You must be a legal US Resident and have resided in the US for more than 2 years and you must have a valid US issued Drivers License)
❍ Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or
ARC (AIDS Related Complex) or tested positive for HIV (Human Immunodeficiency
❍ Are you waiting for a diagnosis or have you been advised to have a surgical operation, diagnostic test or medical or mental evaluation that has not yet been completed?
❍ Have you requested or received any Worker’s Compensation or Social Security disability benefits?
❍ Do you currently take more than 2 prescription medications for pain; or do you consume, on average, more than 3 alcoholic beverages per day?
❍ In the past 10 years, have you received any treatment, medical advice or consultation for; been diagnosed with or required follow-up for: diabetes or elevated blood sugar; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient ischemic attack (TIA or mini-stroke); emphysema; chronic bronchitis or chronic lung disease; major depression or anxiety that required psychiatric treatment; bipolar disease or mood disorder; schizophrenia, Alzheimer’s disease, dementia, rheumatoid arthritis, paralysis; any degenerative muscle or nerve disease or disorder; alcohol or drug abuse; OR any disease or disorder of the following: heart, aorta, coronary arteries, peripheral vascular system, blood, liver pancreas, kidney (other than kidney stones), brain or connective tissue?
❍ In the past 2 years, have you been hospitalized or evaluated in an emergency room or immediate care center for a chronic illness requiring ongoing treatment or care by a physician; OR have you participated in any hazardous activities or extreme sports?
❍ Have you, within the past 5 years, been convicted of or pled guilty or no contest to a felony, misdemeanor, reckless driving, DUI or DWI; or been incarcerated or served in a probation or parole program or do you have criminal charges pending