No Exam Mortgage Life Insurance and Mortgage Disability Insurance
What Is Mortgage life Insurance...No Exam plan ?
This mortgage life insurance and disability plan can be underwritten without the need for 
an exam or a nurse visiting you and requires that few questions be answered on the application. The underwriting process is fast (most times you get an answer within 48 hours). It will cover your new or existing loan from catastrophe due to premature death and you can even add an accidental disability rider which will pay you a monthly payment in case of a disability due to an accident. This plan also offer the Return of Premium (ROP) rider which gives you a 100% return of premium paid at the end of your selected term (15, 20 or 30 years). This plan is backed by a company with a high financial rating as well as BBB rating.
IMPORTANT: Don't risk hurting your MIB records because some insurance company, that required an exam to apply, gave you often unachievable very low rate quotes. No exam life insurance (with or without the disability rider) is well suited for mortgages and other loans, The underwriting process is fast and simple and rates are very good.
Also note that, 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 than with the more complicated exam required plan. Why? You may ask. Simply because quotes mean nothing until after the policy has been approved. It is uncommon that individuals end up being approved for the super low rate with full exam life insurance. On the contrary, the end result for full exam life insurance often ends up being higher rates and a negative mark on your MIB (Medical Information Bureau) records.
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