To Get A Life Insurance You Don’t Need To Pass a Complicated Exam

With only a few simple health questions answered, to get a life insurance does not require to involve passing an intensive insurance paramedical exam. Insurance companies assess the health of their potential applicants before writing any insurance policies.

In a typical medical exam for life insurance underwriting, the exam begins with taking blood pressure and pulse of the applicant. Then the examiner will perform a thorough physical exam on the applicant to look for any of the signs of poor health. After physical examination, the examiner draws blood from the applicant for lab testing.

The advent of availability of the life insurance through internet made it necessary to make simpler and speed up underwriting for busy consumers who want to purchase no exam life insurance within a few minutes. This also is an opportunity for those who are worried about having to go through the intensive medical exam to get a life insurance policy. With simplified underwriting initial premiums are higher in exchange for not having to undergo an insurance medical exam. The applicants will only have to answer few health related questions to get the policy.

Another method to get no exam life insurance is through an employer’s group life insurance plan, the only qualification will be needed is to apply for life insurance as an employee within the first month of hire to keep away from underwriting. The main disadvantage on buying employer group life insurance is that the life insurance expires once the employment has been terminated.