Applying for life insurance normally requires you to answer a series of health questions and take a medical exam or physical. But what if your health history makes you ineligible for the usual life insurance or you just don’t want to undergo that physical exam. Are there any options?

1. Life Insurance With
No Health Questions

2. You need life insurance but your medical
history doesn’t look so good. What can
you do?
Applying for life insurance normally
requires you to answer a series of health
questions and take a medical exam or
physical. But what if your health history
makes you ineligible for the usual life
insurance or you just don’t want to
undergo that physical exam. Are there
any options?

3. 1. Simplified Issue Life Insurance
Some insurers sell policies with
immediate full death benefits requiring
only minimal health questions and no
medical exam. You may qualify for these
policies even if you have some health
issues.

4. To purchase a Simplified Issue Life policy
you may be asked if you have had a
heart attack, are confined to a nursing
home, require the use of oxygen, and
similar broad health questions.
The health questions are usually simple
Yes or No questions meant to weed out
very seriously ill people.

5. 2. Guaranteed Issue Life Insurance
Nearly anyone can buy Guaranteed Issue
Life Insurance – regardless of your
health history. It seems this is a
tremendous risk for the insurance
company but here is how they manage
it:

6. The death benefit is “graded”. Typically
in the first two years the death benefit is
limited to a return of your premium plus
interest or a percentage of the face
amount.
However, for an accidental death the
benefit is typically the full amount from
day one.

7. Since everyone is accepted, insurance
companies pay more in claims than if
applicants were screened for health
conditions. As a result insurance
companies charge higher premiums for
Guaranteed Issue Life Insurance.
It doesn’t cost anything to request a
Guaranteed Issue Life Insurance quote.
Once you do, you are not under any
obligation to purchase a policy.

8. Do your homework before you purchase
a Guaranteed Issue Life policy. You may
be healthy enough to qualify for
Simplified Issue Life Insurance with full
immediate benefits.
Benefit from no medical exam life
insurance here:
 http://lifeinsurancenohealthquestions.com/