Can I get a Senior Life Insurance without a medical exam?
At old age, the health of a person will definitely collapse and he/she will be suffering from various diseases. To get a lower premium on senior life insurance, the health plays a major role. So the insurance provider will check it through medical tests and evaluate how much premium you have to pay for the coverage. Some provider exempts this step in order to take some extra charge. You should not sit for medical exam if you can anticipate some major health issues. But if you feel good and there is bad family medical history, then you should go for the medical test. As if you’re diagnosed with any major health problem, it is most likely you are going to get a lower premium.
So you obviously can get a life insurance without a medical exam. Actually many providers use this feature as an attractive and alluring trap. They don’t ask for any medical test from the client, but impose a good amount of premium. As they don’t have any evidence to get some idea about the health of the client, so they don’t want to take risks. The medical exam is also a lengthy process. First you need to find a reliable doctor, they sit for the test, taking report from the doctor, showing it to the provider and then they will check this too. Even after this you can expect the sign up form to be received by you after a few more days. This whole process can take up to a month to a couple of months. But if you are in a rush and willing to spend some more money for the sake of purchasing a senior life insurance premium without test, then go for guaranteed acceptance no medical test life insurance, which can be processed within shortest possible time. This does not need any paperwork and as a result you might end up underwriting for the coverage within the day you visit them. So, the process is smooth, hassle free and super fast. Depending on your current status, go for either no medical test life insurance or without of it.
You always should read out every single detail to ensure a reliable deal from both parties. You must not skip a point from contact document as this could result more money is fled from you. Hopefully this article will help you in making your decision to purchase the right type of senior life insurance.
You can read more about senior life insurance in my blog.
So you obviously can get a life insurance without a medical exam. Actually many providers use this feature as an attractive and alluring trap. They don’t ask for any medical test from the client, but impose a good amount of premium. As they don’t have any evidence to get some idea about the health of the client, so they don’t want to take risks. The medical exam is also a lengthy process. First you need to find a reliable doctor, they sit for the test, taking report from the doctor, showing it to the provider and then they will check this too. Even after this you can expect the sign up form to be received by you after a few more days. This whole process can take up to a month to a couple of months. But if you are in a rush and willing to spend some more money for the sake of purchasing a senior life insurance premium without test, then go for guaranteed acceptance no medical test life insurance, which can be processed within shortest possible time. This does not need any paperwork and as a result you might end up underwriting for the coverage within the day you visit them. So, the process is smooth, hassle free and super fast. Depending on your current status, go for either no medical test life insurance or without of it.
You always should read out every single detail to ensure a reliable deal from both parties. You must not skip a point from contact document as this could result more money is fled from you. Hopefully this article will help you in making your decision to purchase the right type of senior life insurance.
You can read more about senior life insurance in my blog.