Life Insurance With No Medical Exam

Reader’s Question:

I know quite a few people that apply here in Florida for life insurance with no medical exam who are in fairly good health? Why do you think they do that and what do these kinds of policies involve?

Hayden

Tallahassee, FL

Some people, including those in Florida, who are fairly in good health, apply for life insurance with no medical exam simply because they don’t want or even hate to undergo a medical exam. Some of them also want a quicker process of getting their life insurance with less hassle. So long as a person doesn’t have major health conditions such as AIDS or cancer, he/she would be eligible for life insurance with no medical exam. What they have to do is fill out a medical questionnaire and their life insurance policy could be effective the very same day they apply for it.

There are a few things to remember about no medical exam life insurance such as these plans only give limited death benefits. But this amount could still be somewhat considerable and it depends on the age of the policyholder. The majority of this type of plan requires that the policyholder take the least amount of coverage, like $50,000 or less if the person is of pretty advanced age. Also, no medical exam life insurance plans would cost more than a life insurance plan that has medical exam for the same amount of death benefit.

Applicants of life insurance with no medical exam also have to bear in mind that the life insurance companies can alter or even terminate the policy within one or two years. They can do this if they find out that the person had been dishonest on the questionnaire that he/she had filled out. Life insurance companies can check national databases if you have had medical tests in the past.

Tags: life insurance, life insurance no exam

No Exam Life Insurance Tallahassee Florida FL

Reader’s Question

Where can I find no exam life insurance here in Tallahassee, FL? I wanted to have this because I don’t like being pricked for blood or give urine samples.

Marie

Tallahassee, FL

Hello Marie

You’re in the right place to ask such question because you can actually find no exam life insurance from any life insurance companies in Tallahassee FL. Yes, no exam life insurance is a revolutionary product that caters to applicant like you who don’t want to undergo medical examination. It simply gives you life coverage because mostly it is a term life insurance. The only difference is that you don’t have to submit to medical examination. Because of this, you pay for a fixed price. Remember life insurance premiums are determined by age and health. If you are unhealthy, you get high premiums. Knowing if you are healthy or not is made possible by checking medical examinations results. So with no exam life insurance, there is one price for a certain plan or face value. A 5 year term worth 500,000 death benefits have one single premium whether you are healthy or unhealthy.

Now you can find no exam life insurance by searching online. You simply have to input “no exam life insurance Tallahassee FL” to see what life insurance companies offer such product in your area. If you cannot readily access online, you can also check the Yellow Pages for well-known life insurance companies who usually have no exam life insurance. You can get quotes from these various life insurance companies in Talla Hassee to see for yourself how much it’s worth. You can choose the cheapest price from the comparison.

Tags: instant life insurance, no exam life insurance, online insurance leads

Tallahassee FL term life insurance

Reader question:

Do my blood pressure or cholesterol or any of that have anything to do with the rates I get for Tallahassee FL term life insurance?

Julia

Thanks for asking, Julia.

Actually, they do, just as any other health problem or quirk will affect your Tallahassee FL term life insurance rates, so will anything like blood pressure problems or cholesterol. You’re more likely to get good rates on your insurance policy if these things are in the clear.

If you have high blood pressure or high cholesterol, then you are at a greater risk for many things, one of the most serious of which is heart disease. You are also more likely to get kidney disease, have your heart fail, or have a stroke. You’ll probably be asked some questions on your Tallahassee FL term life insurance policy application, but in the and the information will come out in your physical.

To get good Tallahassee FL term life insurance rates, your blood pressure should be under 140/90. As for your cholesterol, try to keep it under 200 to get the best deals (and to live longer, of course).

take care,

Fashun

Compare Tallahassee FL life insurance rates

Reader question:

Should I mention that I’m taking medication when I compare Tallahassee FL life insurance rates?

Caroline

Thanks for asking, Caroline.

Oh, yes, you definitely should. Many people are afraid to admit that they take medication when they compare Tallahassee FL life insurance rates because they think it indicates there is something wrong with them and it makes it more likely for them to get higher rates. But you know what? If you’re taking medication, there is something wrong with you, and your life insurance company will find that out whether you want them to or not through the medical exam or through a later weakness on your part. Not revealing that you take medication will just prolong the misery.

As a matter of fact, it can even be better for you to reveal your medication when you compare Tallahassee FL life insurance rates. You know what taking medication indicates? It indicates that you are doing what you can to keep whatever condition you have under control. It would be much worse for you if you weren’t taking medication at all, or if your medical exam uncovered something previously undiagnosed.

take care,

Fashun

Buy Tallahassee Florida term life insurance online

Reader question:

I have some medical problems. Is it better to buy Tallahassee Florida term life insurance online so that I don’t have to undergo a physical?

Jordan

Thanks for your question, Jordan.

You can buy Tallahassee Florida term life insurance online and avoid getting a physical, but there are ways that these online companies make up for not testing their policy holders for medical conditions. They charge you much higher rates for this luxury, and on top of that they offer you much smaller amounts of coverage than regular companies do. Also, not all companies which offer you the chance to buy life insurance online forego physicals. Some even have it to where you can schedule an appointment for a physical online.

The truth is that those who buy Tallahassee Florida term life insurance online just so they can avoid getting a physical might not be so harmed by the physical as they think. Rather than just guessing what gettind a physical might do to your life insurance rates, you should at least get one first and see, and then compare those rates to the ones offered by the no exam companies.

take care,

Fashun