How Can You Purchase No Medical Exam Life Insurance?

People with a pre-existing condition can have difficulties when it comes to getting life insurance. Qualifying for a policy usually requires going through some medical examinations which can show many health problems and the agency will refuse to sell you a plan. Luckily, with a no exam life insurance policy, you can get life coverage even if you suffer from a pre-existing condition! Read on to find out how to purchase a plan!

How to qualify for no medical exam life insurance?

lifeinsuranceAlthough it does not require medical examinations, it does not mean that everyone can purchase a plan. In order to qualify you still have “to pass” a questionnaire with different questions about your health. You have to answer “no” to most medical questions in order to be eligible for coverage. People who have been declared terminally ill, cancer patients and those suffering from AIDS are not eligible for life insurance!

Tips for purchasing a policy:

It is important to keep in mind that no exam life insurance policies are not cheap and are usually not a good alternative to a traditional plan. You should purchase life insurance without medical examinations only if you do not have any other option or if you need life coverage fast.

1.       Shop around!

In order to find the cheaper life coverage, you have to compare quotes from different insurance providers. You can compare quotes online by visiting different websites that offer insurance broking services.

2.       Talk with an insurance agent!

You can discuss your case with an insurance broker. He or she will be able to find a policy that suits you needs. Life insurance without medical examinations is not cheap, but an agent can help you cut a lot of costs!

3.       Get healthy!

Quit smoking and any other bad habits that you have. Exercising can help you lose weight and improve your overall health. Dieting is also important for a healthy lifestyle. The healthier you are, the cheaper your life insurance policy will be!

In conclusion, people with pre-existing conditions can get life coverage by purchasing a no exam life insurance policy. Although these policies are issued very fast and it is easier to qualify for them, remember that they are also expensive and they offer limited coverage!

If you need life insurance, comparing quotes is the first thing you should do. Click here and compare offers from top insurance providers in the country!