If you have health issues and they would have to be mild health issues. It’s possible you could be a great candidate for a Life Insurance Policy that does not require and exam. No Exam Life Insurance policies do cost more than a plan if you complete the full medical but that is to be expected.
Check out this great article and decide for yourself if appropriate…
Insurance Quotes and News » Blog Archive » Life Insurance with No Exam
Term Life Insurance with No Exam are types of policies that do not require you to have an exam to get formal offer from the carrier.The process is you will fill out an application and answer fairly typical health questions.The benefits of purchasing this type of policy are almost immediate underwriting and issue of the policy and obviously no underwriting.The bad part is or course that you in most cases will pay quite a bit more in premiums for the coverage.
Advantages:
- Policy could be issued in under half an hour
- No Para Medical Exam is needed for completion
- Great if you have slight health impairments (like arthritis)
- If you have MIB hits that other insurance companies have submitted you’ll know quickly
Disadvantages:
- Premiums will be higher than fully underwritten policy
- Face Amounts are limited, some carriers will go as high as $300,000
- You don’t get a free exam paid by the life insurance carrier
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Posted by lifeinsurancepros 
