When you apply for a life insurance policy the insurance carrier may require that you take a physical examination to check your health and determine whether or not you qualify for the life insurance coverage.
The insurance carrier will pay for the exam, and the results will help the insurer determine the rate they should charge you for the life insurance coverage, and whether or not they should insure you for life insurance. If you do not agree with the results of the exam you may request another exam.
In addition, there are insurance companies that offer life insurance policies that do not require you to take a medical exam. Since there is no exam, they may in end accepting some applicants that might not otherwise qualify for life insurance if they had to take an exam. That's why the rate may be higher compared to life insurance with an exam.
However, no exam life insurance plans offer you the option of starting your life insurance coverage today, if you qualify. And, you won;t have to meet with an agent. Also, since there's no exam there's no needles or blood draws.
Learn more about no exam life insurance and get your free quote today.
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