Many people do not realize that a few life insurance companies will offer new coverage to healthy individuals without having to take a medical exam. If you don’t have any serious medical conditions such as HIV, cancer or diabetes than you will probably qualify for no medical exam life insurance. In fact, most people without health problems do qualify.

The main benefit of no exam life insurance is that you may get qualified and begin new coverage much quicker than applying for a policy that requires a medical exam. The speed of this process may be attractive to someone who is trying to obtain new coverage within a certain deadline. It may also be an excellent option for someone who has put off getting life insurance because they don’t have the time or the inclination to get a medical exam.

It is important to understand that not everyone qualifies for no medical exam life insurance. This is not a guaranteed issue type of contract. If you do decide on applying for a policy there will be documents to sign. One of the documents will ask specific questions regarding your medical history. The life insurance carriers decide whether or not to approve each application based on the answers to these medical questions.

Life insurance is an important decision for every family to consider. Those who are in good health may want to consider purchasing no medical exam life insurance. It is a fast, convenient and hassle free way to get coverage that will protect your family.

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