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| Life Insurance |
Many people avoid buying insurance because of medical exams. This
is often attributed to the fact that they are too busy to schedule an
appointment, they have been diagnosed with medical problems or they hate
needles. Whatever the reasons are for avoiding a medical exam you have
an opportunity to give your family some deserved peace of mind. As you
shop for insurance, you will discover many insurance service providers
that offer an easy and quick no-exam insurance policy.
The no-exam insurance policy offers the fastest way of getting insurance coverage. This gives you a time efficient way of getting attractive insurance benefits. Like all other insurance policies, the no-exam insurance offers financial security to loved ones in the event of the breadwinner's death. The features of this policy include:
· No doctors visit
The no-exam policy does not demand a doctor's visit. Therefore, individuals who are reluctant about making doctors visits to have blood tests and other medical examinations can apply for this type of policy.
· Short application process
This policy attracts a short application process. As a result, many people opt for the no-exam policy because of the convenience and ease. By eliminating or shortening the process of underwriting, the application process can be approved and the policy issued on the same day. Nevertheless, the application form may seek to find out from the applicant whether they have any pre-existing medical conditions. Therefore, it is important to answer truthfully to ensure successful insurance claims at a future date.
· Affordable
This type of insurance policy is more costly than the fully underwritten insurance policies that require a physical examination. However, if avoiding a medical exam is necessary, this policy offers the best option.
· Secures the family
In order to secure loved ones from the financial burden arising from a tragedy or an unforeseen event, you need a policy that will provide the necessary financial relief. A no-exam policy will be in a position to offer this benefit which is also provided by a medically underwritten coverage, but without the hassle of a long application process.
· Guaranteed coverage
The policy offers a guaranteed coverage. It allows applicants with pre-existing health problems to obtain insurance coverage. With the traditional insurance policy, the insurance carrier often evaluates the applicants insurability based on several risk factors, such as age, health complications, family medical history, hobbies, occupation, tobacco use and much more. Insurance applicants who fail to qualify for insurance based on these factors will not be in a position to buy an insurance plan.
The no-exam insurance policy offers the fastest way of getting insurance coverage. This gives you a time efficient way of getting attractive insurance benefits. Like all other insurance policies, the no-exam insurance offers financial security to loved ones in the event of the breadwinner's death. The features of this policy include:
· No doctors visit
The no-exam policy does not demand a doctor's visit. Therefore, individuals who are reluctant about making doctors visits to have blood tests and other medical examinations can apply for this type of policy.
· Short application process
This policy attracts a short application process. As a result, many people opt for the no-exam policy because of the convenience and ease. By eliminating or shortening the process of underwriting, the application process can be approved and the policy issued on the same day. Nevertheless, the application form may seek to find out from the applicant whether they have any pre-existing medical conditions. Therefore, it is important to answer truthfully to ensure successful insurance claims at a future date.
· Affordable
This type of insurance policy is more costly than the fully underwritten insurance policies that require a physical examination. However, if avoiding a medical exam is necessary, this policy offers the best option.
· Secures the family
In order to secure loved ones from the financial burden arising from a tragedy or an unforeseen event, you need a policy that will provide the necessary financial relief. A no-exam policy will be in a position to offer this benefit which is also provided by a medically underwritten coverage, but without the hassle of a long application process.
· Guaranteed coverage
The policy offers a guaranteed coverage. It allows applicants with pre-existing health problems to obtain insurance coverage. With the traditional insurance policy, the insurance carrier often evaluates the applicants insurability based on several risk factors, such as age, health complications, family medical history, hobbies, occupation, tobacco use and much more. Insurance applicants who fail to qualify for insurance based on these factors will not be in a position to buy an insurance plan.
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