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.

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.