Life insurance medical? No.

A medical examination for a life insurance policy is not always necessary. There are questions that need to be answered honestly about different circumstances in life that affect a person. The main things a company would need to know for life insurance, no medical or other, are the sex, age; premiums are usually higher for older applicants, smoker status, general health, occupation, type of contract required and the level of coverage needed.If you answer these questions properly you can get term life insurance with no medical. The amount of the premium the company will quote will be decided based on the answers to these questions.

What will be required if I don't have a medical?

Along with that the individual’s medical history, height, weight and lifestyle would be assessed. If the lifestyle includes unusually dangerous situations a standard policy may not apply. All questions on medical history need to be answered accurately because if, by chance, a pre-existing condition was not divulged the life insurance policy will become void. This is why term life insurance with no medical is rare

Once all the questions are answered the company will review the data and decide if the person qualifies for a no medical exam life insurance policy. If the person is in good health they may qualify for a standard policy without a medical examination. If the applicant wants a policy for a large sum assured, then most probably a medical exam will be required. No medical exam term life insurance may appeal to some people however; there are benefits to having a medical exam. It can give the policy holder greater protection and make his or her position stronger if a qualified medical practitioner has verified existing medical circumstances so at the time of death there would be no question of a pre-existing condition.

It is best to compare the quotes from different insurance companies that offer no medical life insurance because some charge higher premiums without a medical exam no matter what the answers to the questions reveal.