Are you looking for no medical exam life insurance?

As brokers, we can offer this type of life insurance from a variety of insurance companies, ensuring you get the best product at the most reasonable prices.

Please note – many people see these ads on TV and think it’s easy to apply. And it is! A few short medical questions and the paperwork is pretty much done. What is not generally made clear is that there’s a price for this. No medical exam life insurance is substantially more expensive than fully underwriting life insurance. If you are able to qualify for an underwritten plan by taking a medical exam, you will find the savings substantial. No medical exam life insurance is typically designed for those people who are unable to qualify for a fully underwritten plan due to health reasons -and it’s priced accordingly.

In addition, many (but not all) no medical exam life insurance are advertised as ‘limited benefits in the first two years’. That means that only accidental death is covered in the first two years of your policy.

So while no medical exam life insurance is often advertised as an easy solution, it’s also important to know that this may be at the expense of higher premiums and decreased benefits.

Our solution? First, if you can qualify for a fully underwritten plan then we suggest discussing this type of policy. Secondly if this is not an option, we have a number of no medical exam polices available (as brokers we have access to a variety of companies competitive products) that depending on your situation may be a reasonable compromise between full underwritting, premium and benefits. And falling back from that we have available no medical exam life insurance products available at a variety of pricing levels.

Contact us toll free at (866) 662-5433 to discuss in detail the options available to you.