No Exam Life Insurance

Dec 20, 2011 Life Insurance Quotes, Life Insurance Rates, No Exam Life Insurance, Types of Life Insurance

We often get requests from people who are looking for life insurance with no exam.  Sometimes, it’s a child looking for life insurance on an older parent and they don’t want to put them through an exam or sometimes it’s just someone who is afraid of needles.  In other cases it might be someone who just needs to get life insurance quickly and no exam life insurance gets issued much quicker than life insurance that does require an exam.  In any case, the downside to life insurance without an exam, is that it can be quite a bit more expensive than life insurance which requires an exam, if you are healthy.  For a healthy person, than can qualify for standard non-smoker rates or better, life insurance with no exam can be much more expensive than life insurance with an exam.  However, for the reasons mentioned above, there are situations that a person will still prefer to buy no exam life insurance, even while knowing that it is going to be more expensive.  If you are someone who has diabetes, or a history of cancer, obesity, or some other condition which would make you a substandard risk, then the rate for a no exam life insurance policy may be approximately the same to the rate for a life insurance policy which requires an exam.

If you would like a life insurance quote, please call www.insuranceglobe.net at 1-888-950-TERM(8376).

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