Pros and Cons of No Physical Life Insurance
If you're like many people and have more things to do than there are hours in the day,
no medical exam life insurance may be a viable option for you.
When the laundry is piling up, those videos need to be returned and you're still on
chapter one of the book you bought three weeks ago, buying life insurance doesn't seem like a top priority.
But if you think about what life insurance protects—your family—you may see it as a
more vital concern than those errands or chores. InsureMe can help you find the right policy by connecting you with
agents on our network who will provide free quotes, so you get the best protection at the best price.
Now there is a way for you to fit this necessary purchase into your busy schedule—shop
your rates right here on our site. Don't put it off another day.
Pros of No Physical Life Insurance
- Faster: Companies can usually process your application faster than with medically
underwritten life insurance.
- Simpler: Just fill out a health-status questionnaire, which will ask about your medical
condition and history; no physical required.
- Less Invasive: No medical, or no physical life insurance, doesn't require a doctor's exam.
So, if you have a medical condition not asked about in the health questionnaire, you may have a better shot at
getting some coverage.
Cons of No Physical Life Insurance
- Less Coverage: Most people who opt for no exam life insurance are applying for smaller
amounts of insurance.
- Higher Cost
- Contestable Period: Most questionnaires are thorough and if you withhold health
information, the company can cancel your policy.
Got a Full Plate?
No physical life insurance is ideal for those who juggle full schedules and are only
applying for smaller amounts of insurance.
If you can't find the time to see a doctor to get an exam, but would like to get some
coverage, this coverage is for you! The application can be processed more quickly than with medically underwritten
life insurance.
And you don't have to see a doctor—just take some time to fill out a questionnaire.
Some Is Better Than None
According to the U.S. Life Insurance Ownership Study, of those individuals who said
they might buy life insurance in the future, 60 percent said they just "haven't gotten around to it yet."
If you're part of that percentage, term life insurance might be the solution. You can
get a policy now without the hassle of seeing a doctor, and upgrade to a different policy when yours has
expired.
Life insurance guarantees your family's livelihood, so get moving toward ensuring its
future today.
Compare Rates for No Physical Life Insurance
If you think that a no physical life insurance policy is right for you, then the first step is to do some
shopping around. This is very important because rates can vary by as much as 70% from one carrier to another. It
definitely pays to compare so get a free no obligation quote for life insurance with no
physical today.
| 
