If you have wanted to get a life
insurance policy, but have been holding off because you are anxious about going
to the doctors and getting an exam... I have the perfect solution for you! You
have the option to get life insurance without a medical exam. That's right, no doctor visit, no
physical, or blood work! All you have to do is get on your computer or phone
and click a few buttons and you are on your way!
Please know though, that you should weigh your options between a life insurance plan that doesn't require a medical exam, to one that does. You will also find that there are many different types of insurances for each option. Some other factors to consider are your budget, health, desired return and length of the insurance (such as term or whole life).
According to Forbes Advisor survey... at least three in four American adults have some form of life insurance, but that women (22%) are twice as likely as men (11%) to lack life insurance. Come on ladies, let's step up our game! We can do this!
If you're not sure how much life insurance to get, it's estimated that you should get between 10-12 times your annual income. If you check out the previous link, you will also find helpful information that includes calculators, the best time to get health insurance and the difference between whole and term insurance policies. Plus, much more.
Now that you don’t need to have a medical exam to get life insurance, let this be the sign you have been waiting for. By getting life insurance, you are ensuring that your family has a bright future and that they will be taken care of. Life can throw us curveballs and being prepared is your best line of defense.
Yes, there's a lot to consider when deciding on a life insurance policy, but please don't get disheartened. It's worth the effort and knowing that you don't need to get a medical exam to get a life insurance policy can give someone a whole new outlook, especially for those who thought they would never be able to get a policy.
I have gotten life insurance without a physical, but I had to answer more questions about my health than I felt comfortable with! I had to be truthful about the blood cancer that I had fought. Pretty sure that I was offered less coverage, because of this. Of course, they don’t mention this! I could have been paying a higher premium!
ReplyDeleteI think I lost my previous comment! I was offered a policy without a physical. I might as well as had one, because the form I filled out required a lot of information. I had to tell the truth. I had to mention the blood cancer that I was treated for! I’m pretty sure I was offered less coverage or a higher premium.
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