Pennsylvania No Exam Life
Are you looking for Pennsylvania no exam life insurance quotes? The first step when shopping
for any type of life insurance is to compare rates from multiple carriers. This is important because each
carrier has unique underwriting criteria so rates can vary by as much as 70%. Compare
rates for Pennsylvaniano exam life insurance now.
No examination life insurance is becoming more and more popular because many people want to avoid the
hassle of a medical examination. Sometimes an applicant just doeesn't want anything to do with needles or a nurse,
and others have a busy lifestyle and want to obtain a policy quickly. Pennsylvania no exam life
insurance is fast, easy, and a great alternative to traditionally underwritten life insurance coverage, which
can take anywhere from 4 to 6 weeks to get a policy in hand.
Pennsylvania No Exam Life Insurance - Do I Really Need A Physical?
Insurance companies want to make sure you are healthy before they issue you a life insurance policy. In most cases, the company will
require an applicant to go through a medical exam to check height, weight, blood pressure, cholesterol, and
other health measurements. For people who are generally healthy, you can bypass this medical exam and
simply answer a few questions on an application. This is what a Pennsylvania no exam life insurance
policy is - coverage without the exam!
Pennsylvania No Exam Life Insurance - How Do I Qualify?
To qualify for a no exam policy, a company will go through a few steps to determine your eligibility. On
the actual application, they will ask you about medications you currently take, current and past diagnosed
problems, your family's health history, your height and weight, any hazardous sports or activities you might
participate in. Most companies want to know about your driving history too.
Although there is no medical exam, the application still goes through underwriting because companies know that
not everyone will be truthful. The answers you give on your application will be checked to make sure it
matches information that is available through prescription databases, the Medical Information Bureau, and your
driving record. Some companies even require a telephone interview to record your answers to the health questions.
This is left on record in case it needs to be referenced in the future.
The premium on a no physical life insurance policy is a little bit
higher than a fully underwritten policy. This is because carriers take on more risk by insuring you without
completely evaluating your health Companies charge more to offset that higher risk. The higher rate may
be worth it to you if you value the convenience and you really want to avoid the hassle of a physical exam.
Pennsylvania No Exam Life Insurance - Compare Rates Today
If you think this type of policy is right for you, then the first step is to shop around for rates.
This is very important because rates can vary by as much as 70% from one carrier to another. It definitely pays to
compare so get a free no obligation quote for Pennsylvania no exam life insurance