Term Life No Medical Exam

What Is Term Life No Medical Exam ?

No Exam Life Insurance can be approved up to $750,000 without the need for an exam or a nurse visiting you and requires that very few questions be answered. The approval Process is usually very fast (most times within 72 hours.) It will cover your new or existing loan from catastrophe due to premature death. You can even add a 100% return of premium rider. This plan is backed by a high rated insurance company - Fidelity Life!

IMPORTANT: DON'T RISK HURTING YOUR MIB RECORDS BECAUSE SOME COMPANY GAVE YOU UNACHIEVABLE SUPER LOW RATES. NO EXAM LIFE INSURANCE IS PERFECT FOR MORTGAGES AND OTHER LOANS, THE APPROVAL IS SIMPLE AND RATES ARE GREAT.

Although the quotes for no exam insurance may come out higher than for a full exam plan, often the final approved rates will be same or better with the no exam plans. Why? you may ask. Simply because quotes mean nothing until after the policy has been approved. It is very rare that individuals end up being approved for the super low rate full exam life insurance. On the contrary, the end result for full exam life insurance often end up being higher rates and a bad record may end up on your MIB (Medical Information Bureau.)

No Exam Life Insurance is What We Do!

As you may already know there are several types of plans available for no exam life insurance. The two

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major advantages of no exam life insurance are its speed of approval and its simplicity of application. Also, since it is no exam, there is no worry that some medical issue will be discovered because of a blood, urine test or any other test often required by full exam plans (EKG, Dr. Exam, HBP Test...)

Plans Available For No Exam Life Insurance

By preference, one should try to get approved for standard no exam life insurance plan first. Standard meaning that the no exam life insurance plan should not be an accidental life insurance only or a graded life insurance plan.

Below Are Links To The Various Plans Available

The no exam life insurance plans below have been selected from top rated companies. No Exam term life is the cheapest plan.

Plan Name - All Are No Exam	Link	Maximum Available	Average Approval Time
Term Life Insurance No Exam (Note: we use multiple No Medical Exam insurance companies to meet your needs)	Click Here	$750,000	1 - 3 days
Graded Term Life Insurance No Exam	Click Here	$250,000	1 - 3 days
Graded Whole Life Insurance No Exam	Click Here	$250,000	1 - 3 days
Accidental Only Life Insurance No Exam	Click Here	$250,000	1 - 2 days
Children Life Insurance No Exam	Click Here	$100,000+	3 - 8 days
Smokers/Tobacco Users Life Insurance No Exam	Click Here	$750,000	1 - 3 days
Group/Small Business Life Insurance No Exam	Click Here	Per Case	1 - 3 days
Direct Online Life Insurance (Multiple Companies used) No Exam	Click Here	$500,000	0 - 2 days

How Can We Offer Large Amounts Of No Exam Life Insurance?

It is actually very simple. We have made arrangements with several no exam life insurance companies who have agreed to offer you their benefit irregardless of where else you are applying for no exam medical life insurance. In other words, if you request $500,000 in no exam medical life insurance we combine companies to give you what you need. One company may be for $300,000 in Term Life No Medical Exam and another would supplement your need for $200,000 in no exam life insurance. Please note that insurance companies still reserve the right to refuse the approval of additional insurance based on their own criteria. That has not happened yet though!

With Term Life No Medical Exam , Does The Insurer Check Your Medical Records?

Most, Term Life No Medical Exam DO NOT check medical records. Some may check MIB hits and pharmacy reports that are on record. MIB will tell them if you have been declined for life insurance. If you have been declined your next best two choices are Graded No Exam Life Insurance and Impaired Risk Full Exam Life Insurance.

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