Can An Agent Help You Find Life Insurance Without a Medical Exam?

happy_senior_coupleLife insurance agents are seeing a sharp trend of families requesting life insurance without a medical exam products. Even when their agents present them with lower cost, traditionally underwritten alternatives, a growing number of families are opting for “non-med” coverage. It is not surprising either. A life insurance medical exam is one of the biggest inconveniences of the process and for many families, it proves to be a deal breaker.

An increasing number of life insurance agents are firm believers that life insurance products with no medical exam help families that otherwise would not have purchased life insurance. Life insurance companies are seeing the trend as well. Every year, there are more life insurance products with no medical exam entering the market. The market is finally becoming more competitive , which is driving down premiums.

Life insurance agents see a lot of people who claim they are the picture of good health who have not needed to see their physician within the last few years and when the lab results come, they are shocked at their elevated cholesterol, blood pressure, triglycerides or something else. This can increase your life insurance or even lead to a decline. Securing a no-medical-exam life insurance no-medical-exam life insurance policy before applying for traditional coverage gives you the peace of mind that no matter what happens with your life insurance medical exam, your family will be covered.

Average life insurance underwriting can take four to eight weeks. If you cannot wait that long, consider a no medical exam life insurance policy. If you qualify, you can have coverage in force within days instead of weeks. There are a lot of people who buy coverage before they go on a trip or need coverage quickly to secure a loan. Others just want to get this off their mind immediately and use it as a placeholder until they make the time to qualify for a traditional (and less expensive) policy.

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