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Life Insurance With No Health Questions 

Applying for life insurance normally requires you to answer a series of health questions and take a medical exam or physical. But what if your health history makes you ineligible for the usual life insurance or you just don’t want to undergo that physical exam. Are there any options?

 

 
 
Tags:  no medical exam life insurance  guaranteed issue life insurance  whole life insurance no exam 
Views:  54
Published:  March 05, 2012
 
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Slide 1: Life Insurance With No Health Questions
Slide 2:  You need life insurance but your medical history doesn’t look so good. What can you do?  Applying for life insurance normally requires you to answer a series of health questions and take a medical exam or physical. But what if your health history makes you ineligible for the usual life insurance or you just don’t want to undergo that physical exam. Are there any options?
Slide 3:  1. Simplified Issue Life Insurance  Some insurers sell policies with immediate full death benefits requiring only minimal health questions and no medical exam. You may qualify for these policies even if you have some health issues.
Slide 4:  To purchase a Simplified Issue Life policy you may be asked if you have had a heart attack, are confined to a nursing home, require the use of oxygen, and similar broad health questions.  The health questions are usually simple Yes or No questions meant to weed out very seriously ill people.
Slide 5:  2. Guaranteed Issue Life Insurance  Nearly anyone can buy Guaranteed Issue Life Insurance – regardless of your health history. It seems this is a tremendous risk for the insurance company but here is how they manage it:
Slide 6:  The death benefit is “graded”. Typically in the first two years the death benefit is limited to a return of your premium plus interest or a percentage of the face amount.  However, for an accidental death the benefit is typically the full amount from day one.
Slide 7:  Since everyone is accepted, insurance companies pay more in claims than if applicants were screened for health conditions. As a result insurance companies charge higher premiums for Guaranteed Issue Life Insurance.  It doesn’t cost anything to request a Guaranteed Issue Life Insurance quote. Once you do, you are not under any obligation to purchase a policy.
Slide 8:  Do your homework before you purchase a Guaranteed Issue Life policy. You may be healthy enough to qualify for Simplified Issue Life Insurance with full immediate benefits.  Benefit from no medical exam life insurance here:  http://lifeinsurancenohealthquestions.com/

   
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