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Easy and Faster Way of Getting Life Insurance

Buying life insurance policy is governed by certain rules and regulations set by the federal law. These terms of getting the life insurance may prove to be time-consuming as well as full of hassles. The most dreaded part is the medical tests because of which many buyers simply forego the plan of buying an insurance policy. The condition is grave in the sense that according to recent statistics, around 40% of the population is without insurance.

Life Insurance Made Easier

In order to encourage more and more people towards buying insurance, certain changes are made in the procedure. People may now shop around for life insurance that does not require them take time out for medical screening. This relaxation in the procedure has reduced the policy granting period to less than a week making insurance buying a faster arrangement altogether. People can also book such policies online simply by filling in the questionnaire related to their health and living style.

How to Buy No Medical Exam Life Insurance?

You can choose either of the simplified issue or guaranteed issue life insurance options while thinking of buying the life insurance without medical exam. Both these types require you to answer the health related questions only, and the review result determines the probability, which is normally high for getting the insurance policy.

You are not supposed to go through lengthy health assessment procedures. All you need is calling the agent, filling the form, answering some questions, and making the payment for buying the policy. The procedure is kept simple enough so that it can be completed online too.

Few Problems with the Life Insurance excluding Medical Exam

The buyer saves himself from the inconvenience of medical assessment, but at a very high price. One should go for such type of insurance only when shelling out a lot of dollars is not a problem at all. Those people who simply hate medical procedures and have much important things to do than wasting time in medical procedures can take the no exam route, but at an inflated premium amount.
Some people think about life insurance at the most depressing times and this habit increases the panic factor making them go for buying it at any cost. Since their mindset does not allow them wait even for a week as it seems to be the very important decision, they take the help of no exam way. As far as the purpose is served, nobody minds paying extra.