Life Insurance No Test Needed
We have now made available up to $1,000,000 in No Exam Life 
Insurance. No nurse or Doctor giving you an exam, No Agent visiting you and only a few questions to answer. Most insurance companies will check your MIB, pharmacy report and other records pertinent to the application for life insurance. The approval Process is usually very fast (as fast as same day approval). The insurance can be used for any of your life insurance needs including general debts, mortgages, income for your family, business partnership buy-out plans, SBA loans... Some companies even offer a 100% return of premium rider.
IMPORTANT: Don't risk hurting your MIB records because some company gave you unachievable, super low rates if you are willing to take an insurance exam. No exam life insurance can be a perfect solution to protect your family, business and cover mortgage loans or SBA business loans. The process 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.
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40 Year Term
No Exam Life Insurance
Now Available
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The two 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...). Keep in mind that these plans may price higher than if you were to do a standard life insurance plan.
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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.
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 no medical exam life insurance 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 No Medical Exam Life Insurance, Does The Insurer Check Your Medical Records?
Most, no medical exam life insurance 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.
What is best, No Exam Life Insurance or Exam Required Life Insurance?
That really all depends on the many factors mentioned above. Briefly, do you want an answer fast (in a few days)? Are you concerned with negative exam results from an insurance exam? Do you want to keep the application process as simple as possible? If yes, then the no exam plan is a better choice. If you are not in a hurry and feel that you want to try and get the lowest possible rates then an exam required life insurance plan may be best. See more here about no exam life insurance and exam required life insurance.
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