Looking for cheap term life insurance can be a major inconvenience and a long, drawn-out task. The insurance companies will poke and prod at you and your medical history. This will ultimately affect your insurance rates and determine size of your policy. So being in high health and a safe career will greatly reduce your rates.
However, there are ways to find term life insurance no medical exam required. This will give you the ability to avoid invasive medical exams.
Most of the time, the application process involves medical examinations to get cheap term life insurance. Usually the exam is conducted by a doctor or nurse in the applicant’s home or workplace. This exam determines if there are any medical conditions that could negatively affect the life expectancy of the applicant. This can also determine if the applicant is in good health and will drop the rates considerably.
But with term life insurance no medical exams required, you’ll be asked various questions about lifestyle and medical history. Instead, you’ll get cheap term life insurance based on your response to the questions the insurer provides. You will be asked for your height, weight, sex, age and so on.
The less invasiveness of the no-exam application is that you must be entirely truthful. Failing to disclose a known health problem could void the coverage and all the money that you spent will be gone.
In the end, no medical exam life insurance is a fast and easy way to get a quote. This process can be easily started online and you should be able to get a quick and reliable quote.