No Medical Exam Life Insurance
No medical life insurance is a streamlined underwriting program that provides high-quality life insurance products to the consumer with a faster and simpler process. This innovative program uses data that can be easily obtained within 48 hours to eliminate the need for paramedical/ medical exams and lab testing for about 50% of eligible applicants. Data used to help simplify the underwriting process include MIB Inc., Motor Vehicle Reports (MVRs), prescription records, and information collected during the application process and/or phone interview.
To qualify for a No Medical Life Insurance policy you must be between the ages of 18-64 with no significant medical or non-medical conditions. The face amount or death benefit of the policy cannot exceed $1 million.
This type of product is a great option for someone who is healthy looking to bind insurance coverage quickly without the need of harassing medical exams, blood tests, urine analysis. Just a simple application and telephone interview are sufficient for most applicants.
To learn more about No Medical Life Insurance please contact us today for additional information or to request a quote.
Please visit our other pages to learn more:
Term Life Insurance
Universal Life Insurance
Long-Term Care Insurance