No exam life insurance can make simple what could otherwise be a tedious exercise. You know you need to buy additional life insurance so you finally decide to take action. You decide on the plan you want and the amount. It would be nice just to answer some questions and get a no exam life insurance policy issued but you are politely told you have to do a medical examination.
The underwriters in the life insurance company are within their rights to request the medical examination because they want to know that they are not insuring someone who is going to die on them the day after they issue the policy. Although most insurance companies issue impaired risk policies they do look for the people who are in good health. There are certain age limits which would qualify a person for no exam life insurance. Insurance companies like most of all to insure young healthy people who are financially stable. In other words they have a job. Middle aged people who are in fairly good health are another favorite group.
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