2 ways to purchase life insurance without a medical exam

If you need life insurance but are unconscious about your blood test, don't have time to measure your blood pressure, or have potential health concerns, you should purchase insurance life that doesn't require a physical exam.
"There are many ways to get life insurance without a health check," said James Galli, executive vice president of MetLife, New York. "First, life insurance products made available to workers through their employers generally do not require testing."If your employer does not offer life insurance in your benefits package or if you want to supplement your insurance coverage, you can still apply for life insurance without a physical exam.
Instead of being pushed and pushed and taking the risk of paying high premiums or even refusing life insurance if your exam has health problems, you can fill out a request on your tablet or laptop and get a quick quote on life insurance. However, uncontrolled life insurance is generally not cheap and insurance coverage is often limited.

Find the best insurance rate for homeowners

Instead of being pushed and pushed and taking the risk of paying high premiums or even refusing life insurance if your exam has health problems, you can fill out a request on your tablet or laptop and get a quick quote on life insurance. However, uncontrolled life insurance is generally not cheap and insurance coverage is often limited.
-3 times to consider a non-physical policy
-If you have not seen your doctor in 2 to 5 years.
-If you need fast life insurance.
-If you don't like being stung and pierced.
-Source: Life Happens, a non-profit education group for life insurance.

The 2 main types of life insurance without exam

Consumers have two main options for purchasing life insurance without a medical exam. Simplified life insurance issue. Simplified problem products are mostly available for adults between the ages of 18 and up to around 75, but this varies by the insurance company and state, often, you only have to answer a short series of questions about your general health, but you don't need an exam."
The industry standard coverage limit is generally $500,000, according to Galli, but the amount varies by the insurance company.
New York Life offers simplified risk life insurance of up to $100,000 without medical exams and laboratory tests for consumers up to age 75. Applicants must answer 3 medical questions. For consumers up to age 75, simplified (permanent) life insurance policies of up to $50,000 are available without a medical exam or laboratory test, and 3 medical questions must be answered.
Guaranteed acceptance of life. Also known as guaranteed issue or life insurance for final costs, as limited income is often used to cover funeral costs. People aged 45 to 75 are guaranteed for life, which depends on the company and the state and constitutes permanent life insurance. Guaranteed lifetime issues are generally available up to $50,000, but some companies limit them to smaller quantities. For example, New York Life offers consumers aged 50 to 80 guaranteed acceptance of life insurance up to $15,000.

Where can I get a policy without a review?

Galli says the insurer says you can buy these life insurance products online, by mail, or through a call center. Sometimes insurance agents and financial advisers often sell their policies.
“For example, at InsranceShopping.Com, we sell and service these products through several of these channels, as well as through associations and affinity groups such as financial institutions, alumni associations, leisure groups and more."You just have to check the members' emails or newsletters to find out about life insurance offers."Remember that you should always compare offers from several companies before purchasing life insurance.