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No-Medical Life Insurance

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Who Should Apply

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Who Should Not Apply

NO-MEDICAL LIFE INSURANCE
	No-Medical life insurance provides a great insurance solution for certain people who are adverse to giving blood and urine samples or meeting with a nurse for a paramedical examination. As a general rule of thumb, no-medical life insurance usually has more liberal underwriting standards. Meaning, you don't have to be in perfect health and the perfect height and weight to obtain coverage. Today, many applicants can apply for as much as $500,000 of level term life insurance coverage and never even have to meet with an agent, a doctor or a nurse.
	Keep in mind that No-Medical Life insurance is not the same as 'guarantee issue' life insurance. The difference is that no medical life insurance is a good option for the very healthy to fairly healthy applicant who wants a good amount of life insurance without having to do an exam. A policy decline would be automatic for the cases of recent heart attack, stroke, or cancer, to name a few. No medical life insurance policies still have medical questions on the applications which must be answered truthfully. In general, more minor health problems are usually acceptable, while major ones are not. In most cases, an MIB (medical information bureau) check will be run on the applicant to review the last 7 years of medical insurance and life insurance activity. Please consult one of our licensed experts, or fill out an ONLINE FORM** to determine whether or not No-Medical Life insurance would be a good fit for you!

WHO SHOULD APPLY FOR NO-MEDICAL LIFE INSURANCE

In general the following types of applicants
may find No-Medical Life Insurance to be a good fit.

›	Applicants desiring up to $500,000 of term coverage of 10, 15, 20, 25, or 30 years.

›	Applicants who want upwards of $100,000 of Permanent coverage.

›	Applicants that just can't stand, needles, doctors or nurses.

›	Applicants that aren't in perfect health but not in terrible health either.

›	Applicants that might be overweight (not for the very obese however).

›	Applicants that want their coverage issued as quickly as possible.
›	Applicants who may be on medication for High Blood Pressure, High Cholesterol, or Diabetes type 2, etc. (in other words, health ailments that are not too serious).

WHO SHOULDNT WASTE TIME APPLYING FOR NO-MEDICAL LIFE INSURANCE

apply for Standard Life Insurance Instead!

›	Applicants that just had heart surgery and now figure it's a good time to get some life insurance.

›	Applicants diagnosed with cancer in the last 10 years.

›	Applicants that have had a stroke.

›	Applicants on 3 or more prescription medications.

›	Applicants in poor health.

›	Applicants with a complicated medical history.

REMEMBER: While you might not be a candidate for No-Medical Life insurance it doesn't necessarily mean that you can't obtain other types of life insurance coverage! If you have some serious health issues you will likely have to apply for a standard life insurance policy. This gives the insurance company more information to look at closely when considering your insurance offer and determining your rate. We will help you determine which course of action makes the most sense for your case.

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*The information on this page is intended to provide a very rough blueprint on the suitability of No-Medical Life Insurance plans. It is by no means meant to be comprehensive since health issues can be so numerous and too detailed to catalogue here. Different insurance carriers also have a different tolerance for certain risks. All applicants are underwritten individually with all medical history weighed before a carrier makes a decision and give an offer of coverage.

**(Guarantee issue life insurance are very small life insurance policies $5,000 - $25,000 maximum that pay out a 'graded' benefit. For example no benefit paid if applicant dies within first 2 years of the policy. Please consult one of our agents or fill out our quote form if you have any questions about your qualification for No-Medical Life Insurance.)


	Ok I've read enough. I'm ready to request a No-Medical Life Insurance Quote! Don't hesitate to call us toll-free at 1.877.743.4240 or e-Mail us if you have any questions.
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