Do Medical Exams Make You Nervous?

Medical exams are often required to be covered by life insurance, but they might make some people worry if their health condition will prevent them from getting coverage. Here are some tips if you are feeling apprehensive about whether or not you’ll pass the examination. 

Many people would like to get life insurance, but there’s one thing that they don’t really like about the whole process: having to pass the medical exam. Some just get nervous at having to be fully examined by a doctor and having various tests done for something as simple as getting a new life insurance policy. Insurance companies use medical exams when deciding on whether they would underwrite a life insurance policy for someone, and also to determine the premiums that one would pay for the insurance. Generally, if you have some health issues- even if they’re not too serious- you can expect to pay more for your life insurance based on the results of the medical exam. 

But for those who don’t really want to undergo all of this hassle, there is another solution: getting No Exam Life Insurance. There are many insurance companies which can provide you with coverage, without requiring you to undergo a complete medical examination. 

The process for getting life insurance would then be very simple and a lot faster, as there is no need to take an appointment with a medical professional to get various tests done. In most cases, all you would need to do is to fill out a simple online form to get your insurance. Your premiums would usually be based simply on your age, gender and the amount of coverage that you have chosen. Some insurance companies would also ask you to fill out a simple questionnaire. This questionnaire would ask you a few simple questions about your health, and is designed to determine whether you are suffering from any serious diseases or other health conditions that could make you an increased risk to the insurance company. 

As there are many insurance providers nowadays who can offer you the coverage that you want without requiring that you undergo a medical exam, it’s important that you compare what they have to offer and the prices that you would pay for your monthly premiums. You can get a free, no obligation quote online, which would allow you to see exactly how much you could expect to pay for your insurance based on your unique circumstances. It may take a bit of time for you to compare prices between the various insurance providers; however, it’s much faster than getting a medical exam done. Another good thing is that you don’t even have to leave your home to get the insurance. Everything can be done online, and your coverage could be effective within just a few days. The company would then send you the documents related to your policy by mail, which you can review to ensure that you fully understand everything.