When you formally apply for life insurance, many potential insurers require a medical exam at no cost to you. It’s a quick, simple process that usually takes less than an hour, and it can be conducted in your home, at work, or at an exam center—whatever is most convenient. The exam results, along with your life insurance application and required financial information, will be used by each life insurance company to confirm the final rate they can offer you. It’s all done through a review known as the underwriting process.
The life insurance medical exam is a simple, straightforward process, but there are some additional easy steps you can take to prepare for a positive outcome. For example, you may find it helpful to schedule your exam in the morning, which will help you avoid habits like drinking coffee and smoking beforehand to keep your blood pressure results optimal. Avoiding excess salt and fatty foods leading up to the exam will also help improve your results.
Whether you just aren’t interested in taking the medical exam, are in a hurry to get covered, or are concerned about your current health, you have options with no medical exam life insurance. At Consumer Direct Life, we can help you learn more about these coverage options to see if they are the right fit for you and your situation. Options are:
An affordable, easy way to qualify for up to $5 million in coverage if you’re 60 years old or younger and in generally good health. The quick and simple application process takes less than an hour and doesn’t require a medical exam. And with a convenient, fully online application, you get to bypass the paperwork, saving you time and quickly assigning you coverage.
This replaces the traditional life insurance medical exam with a simple health-related questionnaire. This policy type is typically a good option for people between ages 45 and 85 who are looking for a policy up to $100,000. There’s no requirement to provide any medical records, making it a good fit for people who are concerned about how their medical history may affect their life insurance eligibility.
This bypasses the medical exam but also does not require you to answer any health-related questions. With this coverage type, you can’t be denied coverage if you’re between the age of 45-85. Keep in mind that coverage amounts are lower than other life insurance types, typically up to $25,000.
Consumer Direct Life