One of the reasons that many individuals avoid getting the life insurance they should have is because they are concerned about the time associated with doing the exam. The medical exam can represent a significant hurdle even if it only takes a little bit of time. That is why more individuals should consider the benefits of a no-exam life insurance policy.
Works for Healthy Individuals
This policy type is specifically designed for individuals who are relatively healthy and may also be referred to as simplified issue. The purpose of simplified issue life insurance coverage is to give individuals a faster track to receiving your life insurance policy without all of the headaches and delays typically associated with medical exam life insurance.
Does This Mean I Can’t Get Coverage if I’m Ill?
Bear in mind that if you are not in good health, this doesn’t mean you are ruled out of getting any benefits from a policy. It just likely indicates that a no exam life insurance policy as simplified issue may not work out for you. There are other types of policies, like guaranteed issue. Don’t give up hope- just use this as a chance to set a meeting with your life insurance specialist. You’d be surprised at your options, and you might just need a push in the right direction to accomplish things!
So Many Benefits Available With a No Exam Policy
Although not everyone will qualify for no exam life insurance, it is a great option for those who meet the requirements. It can make your life a lot easier if you had previously been dreading getting a life insurance policy, so you should speak with someone in the insurance industry to learn more about how this can help you. Some online life insurance agencies offer information on their website regarding different plans, and companies that offer it. Getting more information makes a lot of sense if you’re considering this possibility.
Some of the biggest benefits of having a policy like this are the speed in receiving it, the convenience of not having to get the exam, and if you have not been to the doctor in some time you can actually save money by going this route because you can skip companies finding out that you have high blood pressure or any other condition. Going this route certainly makes things easier all around.
Ultimately this empowers you more with regards to your health but avoids all of the traditional headaches associated with a medical exam. No-exam life insurance is very easy and quick to obtain and it is a no-brainer for those individuals who are in relatively good health and want to provide a financial benefit for their loved ones if they were to pass away. If the concern over the time and hassle of getting an exam with your life insurance policy has been what’s holding you back from getting the protection you need for your family’s future, reach out to a life insurance agent to learn more about how the no-exam policy can be the right fit for you.
