How to Qualify for No Medical Exam Life Insurance

It is known that no exam life insurance has a higher degree of tolerance when it comes to providing coverage. This insurance product is capable to insure people that are considered ineligible by other policies. On the list we have elder citizens and people that have a more delicate health condition.

images6They can qualify easier and we can tell you how to qualify for no medical exam life insurance.  You should be aware of the things that disqualify you rather than the things that make you eligible.  Although no exam life insurance is much more tolerant, there are also some limits.

Age and health are essential criterions and they both have some limits. Seniors can get no exam life insurance. If you are over the age of 50, your chances of being approved under standard policies get dramatically lower.  Or you can get some term life insurance or whole life, but companies will try to make you pay as much as possible.

No medical exam insurers treat you with respect and do not try to suggest you that if you are old, you are a special case and you must pay high premiums. You can acquire no medical exam insurance if you are not older than 80 years old.  Some companies even raise the limits to 90 years old. After this age, no insurer will desire to issue a policy.

Health is another concerning matter. As a sick person you can qualify quicker for no medical exam life insurance, although your health condition will determine a rise in premium price.

If you have diabetes, heart problems, obesity or you are simply a smoker, you can be sure that you will receive coverage. However, some people will be rejected. Persons with terminal diseases are instantly rejected. This also happens with those that have cancer or HIV/AIDS.

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