The greatest strategy to get a term life insurance policy with no medical examination is to seek for, get a quote for, and truly buy the policy on-line. While the method sees easy due to the Internet, getting a "no exam" term life insurance policy isn’t at all times what it's cracked as much as be.
Life insurance companies require medical exams as a result of they wish to know what they're up towards. They wish to know precisely who and what they're insuring, and the way dangerous it's going to be for them to insure you. Sure, a life insurance company can deny you a term life insurance policy, and a poor medical examination might give them purpose to take action. However, having a blemish or two in your medical examination (having smoked inside the previous few years, having hypertension, having excessive ldl cholesterol, being chubby) doesn’t essentially imply you're going to be denied. It could imply your promotions can be a bit larger than if you happen to didn’t smoke and had no present health situations.
At the identical time, life insurance companies that supply term life insurance policies with out requiring a medical examination might not present optimum protection. For instance, a life insurance company might refuse to supply your beneficiary along with his or her money dying advantages if you happen to handed away as a consequence of a selected health-related downside. This might creep up on you if you don’t learn the superb print, and it's additionally another excuse why it's so essential to talk with a stay life insurance agent moderately than conducting your complete transaction on-line.
If you're serious about buying term life insurance however are afraid of getting a medical examination, wait some time first. Stop smoking, decrease your blood strain and ldl cholesterol, and lose some weight. Not solely will it enable you to cross a medical examination and get decrease term life insurance premiums, however it’ll additionally enable you to keep health and alive longer!