Readers Question?
Can I get a No Exam Term Life Insurance in Texas?
Fred
Dallas, TX.
Glad You Asked.
When you are seeking term life insurance with no exam, you simply need to contact several different no exam term life insurance companies and ask about their underwriting processes as far as medical exams are concerned. Always research the term life insurance company before purchasing anything.
Policies that don’t require you to undergo a medical exam can be very convenient and enable you to get your coverage more quickly. In addition, if you’ve been turned down for no exam life insurance in the past because of a poor medical history, this type of policy may be your only way to get coverage.
Whether or not a term life insurance company requires a full medical exam, most no exam term life insurance companies do require a blood sample and/or urine sample. These samples are used to determine the kinds of medical conditions you have, whether or not you know about them, therefore allowing the no exam term life insurance company to decipher the kind of risk they face if they insure you. Blood and urine samples are also used to find out what kinds of medications – prescription, over-the-counter, and illegal – you take.
Something you should be aware of is lying on your no exam life insurance application. However, if the life insurance company discovers the truth, your no medical exam term life insurance policy will be canceled. At the same time, if you die due to a health condition not represented on your no medical term life insurance application and policy (such as smoking), your beneficiaries could actually be denied death benefits.
With this website this is a great place to get started on your research for no exam term life insurance. Just fill out a short form and with the click of a mouse you will have several term life insurance companies to compare rates by.