Life Insurance with No Physical Exam – Pros and Cons

Reader’s Question:

I have a yeast infection, would this affect my life insurance? If so, should I go ahead with a no physical exam life insurance plan?

Bennett

Cape Coral, FL

Dying from a yeast infection, although not impossible, is extremely unlikely. As such there shouldn’t be any reason for you to skip the physical exam for life insurance. Listed below are some good reasons to keep in mind if you are thinking of getting a life insurance no physical exam policy:

Go With a Life Insurance No Physical Exam If…

You advocate a risky lifestyle or have a hazardous job – Those who are into extreme sports, have jobs that place them in high risk of injuries and bodily harm (or even death) should consider a no physical exam life insurance policy.

You have a life-threatening illness or disease – It could be that you have been denied coverage everywhere else because of a medical condition such as Diabetes or some other illness. In this case it would be wise to invest on a no physical exam policy

No exam life insurance policies generally take in people with big probabilities of a shorter lifespan. As such this represents a bigger financial risk to the insurer and so they charge higher rates than the average.

Think Twice about a No Exam Life Insurance If…

You are young and in good health - If there is really no other reason aside from the fact that you don’t want to take a medical exam, by all means take the exam. Why should you pay more for life insurance unnecessarily? Those who are relatively young, are in good shape and excellent health can expect to get very good rates.

In both cases, shopping around for coverage is highly recommended. Life insurance rates vary immensely between insurers. Get a free online quote to find the best life insurance rates today.

No Exam Life Insurance Lead Cape Coral Florida FL

Reader’s Question:

I am currently living in Cape Coral, Florida FL and I was wondering if I can have no exam life insurance because I currently have health issues.

Ben

Cape Coral, FL

Hello Ben

Most of the life insurance companies are quite patient when it comes to handling people with health issues. The reason is that they know that the risk of death for people who are sick is quite high and this is not a pleasant fact for them. This is why there are companies who prohibit a person from having a life insurance depending on the degree of the disease. If ever there is a company that offers no exam in Cape Coral, Florida FL, high premiums must be paid.

What you can do is to look for more insurance companies that are most probably allowing a person with health issues to have a life insurance because there are life insurance companies who are specific to a disease. There are insurance companies who have promos for certain types of people with health issues such as congenital issues and such. This is called no exam life insurance, and can provide you with application results in no time!

To find no exam life insurance there in Cape Coral, Florida FL – simply put in your zip code on the given space on this page.

Tags: life insurance leads, life insurance online, life insurance options, no exam life insurance

Senior No Exam Life Insurance Cape Coral, Florida FL

Reader’s Question:

I am a senior citizen and I am 65 years old living in Cape Coral Florida. My term life insurance is already expiring by the last quarter of this year and I am worried so much that I could not renew because I am too old for most insurers. I do not want to renew with my current insurer anymore since I did not get a very good service with my current plan. I’d rather go with another company, but in the hopes that I’d get one that does not require me any medical exam. Is there such thing as a no medical exam insurance in Florida?

Janet

Cape Coral, Florida FL

How are you today, Janet?

It seems to me that you need a great combo life insurance plan…a senior no exam life insurance it is. Since this appears to be combination insurance, it might also include a combination of insurers who can accommodate you the right amount of coverage you and your family rightfully deserve.

You can qualify for an immediate benefit where coverage starts from the 1st day regardless if you have a pre-existing medical condition or not. Normally though, death benefit will be limited for the first 2 years of your coverage. Guaranteed life insurance plans do not have any health questions asked during the application. Moreover, policy is guaranteed to be granted despite your pre existing medical conditions.

There are cases when life insurance companies would decline your application in the traditional life insurance due to a denial of coverage in the past. With no exam life insurance policies, you will not be asked of any denials from any insurers in the past. Be delighted that insurers that offer no exam life insurance does not give weight to history of application. Therefore, even if you were declined in any of your life insurance application before, you will still get valuable coverage for life insurance protection.

You can start comparing quotes by shopping online. Just type your zip code on the relevant space on this page and you will get a list of insurers in Cape Coral, Florida that offer senior no exam life insurance.

Pembroke Pines FL life insurance rates

Reader question:

I need to add more coverage to my policy. How can I do this without seeing my Pembroke Pines FL life insurance rise too much?

Ana

Great question, Ana.

When you add coverage to your policy, with some policies it may not even be an option, such as if you have whole life insurance coverage. However, with many you have more options than completely rerating your policy. While it’s likely that none of them will be done without just a slight increase in rates, there are ways that you can keep that increase small.

Best way? Instead of adding to your overall death benefit, attack a little rider to your policy, and see how your Prembroke Pines FL life insurance rates react. This way, you don’t have to switch policies and lose your cash value if you have a policy which comes with that, and you an keep similar rates to the ones you have.

If you need to change your coverage by a big amount, though, a rider might not be the cheapest or the best way, so at least compare rates before you make your decision. In some You might be able to buy what is called a supplemental life insurance policy.

take care,

Fashun

Lakeland Florida smokers life insurance

Reader question:

Should I buy a guaranteed issue no medical exam policy instead of Lakeland Florida smokers life insurance?

John

Excellent question, John.

Sorry, John, but Lakeland Florida smokers life insurance is probably the better way for you to go. Guaranteed life insurance policies exist for people in the most extreme situations–like, for example, someone who has just had their cancer go into remission, someone who could not possibly get insured elsewhere. Granted, the companies who sell theseno exam policies will try to hook in as many healthy people as they can, because they get to lower their risk by charging higher rates, but you shouldn’t let yourself be fooled.

Yeah, Lakeland Florida smokers life insurance is very expensive, but don’t assume that it is more expensive than no exam policies before you give the exam a chance and compare rates. Often times, people who are otherwise healthy, and even those who have a couple of medical complications, figure out that their policy is much much cheaper when they buy it through an insurer that requires a medical exam.

take care,

Fashun

Lakeland FL term life insurance

Reader question:

Why are there so many fees associated with Lakeland FL term life insurance policies? I thought I was supposed to be saving money on this?

Aaron

Glad you asked, Aaron.

You ARE supposed to be saving money on this, which is why you should be careful when going through the shopping process for finding an insurance policy. Lakeland FL term life insurance policies aren’t the only ones which might have initial fees with them, but like the others, you can also get rid of most, or all, of those fees if you try to buy a no load (also known as a low load) policy.

Some of the major fees come from paying for a broker, among other things. If you instead by your Lakeland FL term life insurance through a financial advisor, then you save money because they generally charge a much smaller amount for insuring you. You don’t have to worry about higher amounts from the life insurance company, either, since they don’t have to worry about paying the financial advisor any commission.

If you choose to buy a low load life insurance policy, then you can save money by paying lower premiums and, if you have a policy which requires you to pay a certain amount before coverage kicks in, then you get covered faster too.

take care,

Fashun

Kendall Perrine term life insurance

Reader question:

I have tried to buy Kendall Perrine term life insurance, but have trouble getting approved due to my medical problems. Is there any such policy that I can buy?

Benjamin

Great question, Benjamin.

Yes, there are options for Kendall Perrine term life insurance, even for those who have extensive medical problems which put most reasonable insurance policies out of their reach. Therein lies the problem, though: if you get an insurance policy this way, it will probably not be very reasonable. Policies, if given at all to people who have a bad medical history, tend to be extremely expensive. However, you should gather quotes before deciding whether or not purchasing life insurance now is a good idea–in some case it would be better to wait a year or two.

The kind of Kendall Perrine term life insurance policy available to you has many names. It has been called anything from guaranteed issue, to simplified issue, to quick issue, to no exam policy. The crux of the matter is that, if you get one of these policies, you are not required to have a physical done on you, and anybody can get a policy. You pay more, though. Sometimes you may also have to pay on your policy for a year or so before it actually starts covering you, and if you die within that year your benefactors do not receive benefits.

take care,

Fashun

Kendall Perrine Florida smokers life insurance

Reader question:

When handing out Kendall Perrine Florida smokers life insurance policies, what are the guidelines by the life insurance companies about what categorizes you as a smoker or no?

Marshall

Glad you asked, Marshall.

Well, there are two different answers to this question because it can be interpreted in two different ways. So let’s see: first I’ll address how the Kendall Perrine Florida smokers life insurance company finds out, and then we’ll talk about what being a smoker means to them.

So how DO they find out? Well, one or two things can happen:

• If, when asked on the application form, “Are you a smoker?”, you put “yes”, then whoop, you are a smoker.
• Regardless of how you answer, if the pee test from your medical exam tests positive for nicotine, then you are a smoker.

Now, what does it mean for you to be a smoker in a Kendall Perrine Florida smokers life insurance company?

• Simply having used tobaccor or smoked at some point in your life does not make you a smoker.
• If you have smoker or chewed tobacco at all, even if only two times, in the past 12 months, then you are a smoker.

take care,

Fashun

Kendall Lakes-Lindgren Acres life insurance rates

Reader question:

I’ve been looking at Kendall Lakes-Lindgren Acres life insurance rates lately. You see, I have a child with special needs, and she will not be able to care for herself even when she is older. What can I do to take care of her?

Maxine

Good question, Maxine.

When you check out your Kendall Lakes-Lindgren Acres life insurance rates, you should also see if the life insurance company allows you to put the benefits in a trust for your daughter, and if they charge extra. Many companies don’t even charge extra, and the process is actually very easy.

If you decide to have the money go directly to your daughter, then she is very likely to lose her social security benefits, which will put her on a very limited amount of income for things such as medicine and food and rent. If you want her to be able to keep getting her social security checks, and at the same time enough extra money to make her life comfortable after your death, then you can set up a trust fund for her through your Kendall Lakes-Lindgren Acres life insurance rates policy. A trustee can buy her what she needs in excess of the SSI.

take care,

Fashun

Kendall Lakes-Lindgren Acres smokers life insurance

Reader question:

I have Kendall Lakes-Lindgren Acres smokers life insurance, but my 10 year term is almost over. Can you tell me about the different kinds of term policies I can get? I just didn’t do my research the last time.

Alex

Excellent question, Alex.

There are several different types of Kendall Lakes-Lindgren Acres smokers life insurance that you can purchase. Here’s a list of a few of them:

• Premium lock term life insurance.

One problem with term life insurance is that the premiums rise as the years go on. If you don’t want that to happen, you can pick a term, say 20 years, during which your premiums will stay the same.

• Annually renewable Kendall Lakes-Lindgren Acres smokers life insurance.

Annually renewable policies don’t get sold quite as much because they tend to cost more. This is sort of like a less certain term life insurance policy. For example, if you choose a 20 year term, you can renew it each year for those 20 years, but your rates will rise.

• Premium payback life insurance.

This is one of my favorites. If you haven’t died by the end of your life insurance term, then all of the money that you paid into it is given back to you.

take care,

Fashun

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