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If you are a hardworking citizen, you certainly know that life insurance is part of a safe and secure financial planning to safeguard your family incase something should happen to you. In the past, it was extremely difficult for people leading certain lifestyles to obtain a cover policy.

However, insurance companies today have taken different lifestyles into account,

What are your options when it comes to life policy with no medical exam?

Certainly, like most people you are thrilled to learn that you can get a good cover policy without subjecting to many unpleasant medical tests. Unlike tradition life policies, which can take several weeks to be approved, life insurance with no medical exam can take only 24 hours. When it comes to this cover whwre you have policies without a medical exam, you have several options:

Simplified issue life insurance: This is among the most basic types, where by you fill in a simple medical questionnaire with simple health questions, and you are good to go. Absolutely no medical tests are done in this process.

Guaranteed issue life insurance: This kind of policy is also referred to as guaranteed acceptance. The insurance does not subject you to any kind of medical test or ask you any medical questions. Life coverage is available for any person that applies.

Graded benefit life insurance: In this type, you may or may not be asked to answer a few medical questions. However, no physical medical examination is done. The process is simple and quick, and virtually everyone qualify for life coverage.

What are some of the benefits of life policy no medical exam?

There are three main benefits of obtaining this cover.

First, you enjoy a less-involved and faster process, which allows you to use it as temporary life coverage while waiting on a traditional life policy to be approved. Secondly, you are guaranteed life coverage.

You can obtain a life insurance cover even when you are in a high risk category because you do not have to subject to any physical medical texts, or even answer any medical questions if you do not want to. Lastly, you avoid visits to doctors you do not know, especially if you do not want to share your medical history.