M.C.D. Financial Services
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No Medical Exam
Life Insurance
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No Medical Exam Life Insurance is What We Do
As you may already know there are several types of plans available for No Medical life insurance. The two major advantages of No Medical life insurance are its speed of approval and its simplicity of application. Also, since it is No Medical, then 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 Medical Exam Life Insurance
By preference, one should try to get approved for standard No Medical life insurance plan first. Standard meaning that the No Medical life insurance plan should not be an accidental life insurance only or graded life insurance plan.
Below Are Links To The Various Plans Available
Plan Name - All Are No Medical Exam Maximum
AvailableTerm Life Graded Term Life Graded Whole Life Accidental Children Smokers/Tobacco Users Group/Small Business Direct Online Life Insurance
(Multiple Companies used)How Can We Offer Large Amounts Of No Medical Exam Life Insurance?
It is actually very simple. We have made arrangements with several No Medical life insurance companies who have agreed to offer you their benefit irregardless of where else you are applying for No Medical medical life insurance. In other words, if you request $500,000 in No Medical 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 Medical 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 Medical Life Insurance and Impaired Risk Full Exam Life Insurance.