No-Medical-Exam Life Insurance
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It’s no question that life insurance helps minimize the worry and stress that comes with the death of a loved one.
However, many people are reluctant to get life insurance because they assume it requires a medical exam. Medical exams, especially in the United States, can be expensive, time-consuming, and inconvenient.
If you’re one of these people, you should look into no-medical-exam life insurance, which is a quick and straightforward way to get coverage without having to schedule and pay for a medical exam.
Why Is A Medical Exam Needed When Getting Life Insurance?
Life insurance companies use medical exams to determine an applicant’s risk level. The exam can include a physical examination, laboratory tests, and diagnostic imaging.
During the exam, a qualified medical professional will collect information about your health and lifestyle, such as your height, weight, blood pressure, and cholesterol levels. This information is used to determine how likely you are to live a long life and how likely you are to make a life insurance claim.
What Is No-Medical-Exam Life Insurance?
No-medical-exam life insurance is a type of life insurance that does not require you to take a medical exam. Instead, the insurer relies on the applicant’s answers to health-related questions and their medical history.
The main advantage of no-medical-exam life insurance is that it can be quicker and easier to obtain than traditional life insurance policies.
It’s also a good option for individuals who have pre-existing medical conditions, have been denied coverage in the past due to health issues, or simply don’t want to undergo a medical exam.
However, there are some potential drawbacks to consider when it comes to no-medical-exam life insurance.
Since there’s less information available about the applicant’s health status, these policies tend to be more expensive than traditional policies. Additionally, they may offer lower coverage amounts and have shorter terms.
Where to Get No-Medical-Exam-Life-Insurance
Although there are many reasons why people don’t want to get a medical exam, one of the main reasons is cost. Fortunately, there are companies that offer no-medical-exam life insurance at a more affordable rate than traditional policies.
One such insurance company is Magnum Insurance.
Here at Magnum Insurance, we’ll work with you to come up with a no-medical-exam life insurance policy that meets your needs and budget.
Since you don’t need to undergo a medical exam, you can get the coverage you need in a timely and cost-effective way.
No Medical Exam Life Insurance That You Can Trust
When you’re concerned about your health, an exam is essential. If all you want is a life insurance policy that will protect your loved ones financially when you die, then a no medical exam policy may be right for you.
At Magnum Insurance, we understand that not everyone wants to go through the hassle of a medical exam. That’s why we offer no-medical-exam life insurance policies that you can trust.
If you want to learn more, reach out today to get a free quote!
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