No Questions Life Insurance - Learn More!
No questions life insurance is becoming more and more popular because many people don't want
to go through the hassle of a life insurance medical examination. Sometimes an applicant just doeesn't want
anything to do with needles or a nurse, and others have a busy lifestyle and want to get a policy fast. The good
news is that you can still get life insurance coverage without a physical
examination. No questions life insurance is fast, easy, and a great alternative to
traditionally underwritten life insurance coverage, which can take anywhere from 4 to 6 weeks to get a policy
in hand.
How do companies offer no physical life insurance?
Insurance companies want to make sure you are healthy before they issue you a life insurance policy. In most
cases, the company will require an applicant to go through a medical exam to check height, weight, blood pressure,
cholesterol, and other health measurements. For people who are generally healthy, they can bypass this medical exam
and simply answer a few questions on a life insurance application about their health history. This is what a life
insurance no physical policy is - coverage without the exam!
No Questions Life Insurance - How Do I Qualify?
To qualify for life insurance with no questions, the insurance company will go through a few steps to
determine your eligibility. On the actual application, they will ask you about medications you currently take,
current and past diagnosed problems, your family's health history, your height and weight, any hazardous sports or
activities you might participate in. Most companies want to know about your driving history too.
Even though there is no medical exam, a no questions life insurance application still goes through underwriting
because companies know that not everyone will be truthful on their application. The answers you gave on your
application will be checked to make sure they match information that is available through prescription databases,
the Medical Information Bureau, and your driving record. Some companies even require a telephone interview to
record your answers to the health questions. This is left on record in case it needs to be referenced in the
future.
No Questions Life Insurance - Why Are the Rates Higher?
The rates on life insurance with no questions are a little higher than a fully underwritten policy. This is
because companies take on a higher risk by insuring you without getting a complete health evaluation. Because of
this higher risk, they charge more. The higher rate may be worth it to you if you value the convenience and you
really want to avoid the hassle of a physical exam.
If you think that life insurance with no questions is right for you, then the first step is to shop around.
This is very important because rates can vary by as much as 70% from one company to another. It definitely pays to
compare so get a free no
obligation quote for no questions life insurance today.
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