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Features Of the No-Exam Term Life Insurance

Many people avoid buying insurance because of pre-existing medical conditions. Others lack the time to undergo medical examinations, while others are unwilling to undergo the exams for religious and personal reasons. Nevertheless, many insurance companies today are providing no-exam term life insurance at competitive rates. However, to get the best products in the industry, it is important to shop around. This will go a long way in ensuring your loved ones get desirable financial protection and in turn maintaining their lifestyle. The common features of the no-exam term life policy include:

· Alternative to the traditional products

There are many A-rated insurance companies offering the no-exam term life policy. Their goal is to cater for a market that has for long been ignored by the industry. These companies seek to provide the right products at competitive rates. The companies are often ranked based on coverage, price, ease of application and speed. Some of the companies offer a term policy online for $500,000, without requiring a medical examination, in just minutes.

· No medical tests

The policy does not demand a medical examination. However, some companies may require an applicant to respond to several lifestyle and health questions. Therefore, this type of policy may not be very different from the fully underwritten policy. It is important to respond honestly because information that is deemed inaccurate may disqualify you for the policy. Indeed, the worst case scenario is for your claim to be denied and your beneficiaries denied the death benefits.

· Ease of application

The policy can be approved quickly, with minimal hassle. The process of application can be performed online, making the application easy. Once you have made your application, you can expect to receive approval in just minutes. Therefore, you stand to benefit from enough coverage that is issued quickly. It is possible to find a company that issues a face amount of $1,000,000 for such a policy. However, for this type of coverage the process of application is completed over the telephone with a licensed insurance agent.

· Convertible to an underwritten policy

Many of the no-exam term life policies can be converted to a fully underwritten policy. You have the opportunity to convert your accidental cover to full coverage. To do this you will need to undergo a medical exam and review your initial application. This gives you the opportunity to benefit from lower premiums or higher face amount.