A no exam life insurance policy allows you to get coverage without a complete medical checkup or getting a medical examination. It provides benefits similar to a standard life insurance policy. Many people are reluctant to take medical exams as they don't wish to reveal personal information. Here are some guidelines for obtaining a no exam life insurance.
Instructions
- 1
Browse the web using a search engine such as Yahoo or Google. Enter a keyword search for "No exam life insurance." Click on the links to visit Web sites. You can get valuable information about no exam life insurance from these Web pages.
2Read carefully about the company policy and disclaimers. Every company has different clauses on no exam life insurance. Check for the stipulations for each company.
3Search websites that review or rate such policies. You should get the rating and feedback for a company and a separate review of each policy type in order to get the best coverage possible.
4Fill in the questionnaire form on the company website. The questions include common habits such as whether you smoke or consume alcohol. Bear in mind that you will have to provide at least some basic personal information. These questions help the company decide on the right policy for you. Once the form is submitted, you should receive a quote.
5Proceed to fill out an official application. On receiving your application, the company will review and make a decision on extending a policy to you. You will receive a detailed quote with a variety of clauses and coverage details.
6Call a local agent if you are unable to get a policy online or are hesitant about the online procedure.
7Understand all the clauses properly through your agent. Then, await the bill for your first premium.
