No Medical Exam

How Graded Death Benefit Whole Life Insurance Works

In the past, those who had adverse health conditions had few choices when it came to applying for life insurance. Often, unfortunately, because an individual had some pre-existing condition, they would simply be turned down for a traditionally underwritten policy. If you’re one of those people that have been turned down for life insurance coverage…
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Understanding Simplified Issue Term Life Insurance

When applying for life insurance coverage, not everyone can qualify easily. For one reason or another, some applicants may be turned down for the policy that they need. This could be due to an adverse health condition, or it may be because they participate in hobbies which are actually considered to be dangerous or risky…
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Buying Life Insurance for People with High-Risk Activities or Occupations

When purchasing life insurance, the underwriters will review some different factors of the applicant. These will include the individual’s age current health condition, health history and family health history. However, there are also other criteria involved that can pose a risk to the insurance company that some applicants applying for life insurance may not be…
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No Exam Life Insurance Explained

If you’re interested in no exam life insurance it’s always important to do your research. With 85 percent of consumers agreeing that most people need life insurance it isn’t shocking that life insurance is a topic that comes up frequently when discussing a person’s financial preparedness. The concern we see for many people is that…
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Top 7 Things to Consider Before Buying No Medical Exam Term Life Insurance

When applying for term life insurance coverage, many policies will require that an applicant undergo a medical examination prior to being approved. This is because the insurance company wants to ensure that it isn’t taking a costly risk on an individual who may be cause for a claim soon after taking on their coverage.
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Life Insurance for Cigar Smokers

Having life insurance coverage can mean the difference between your loved ones being able to move forward financially, or be saddled with long-term financial burden if the unexpected should occur. Even if you are young, healthy, and active, unanticipated events can and do occur. So, it is best to be prepared with life insurance just…
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Is No Exam Life Insurance Right for You?

When you have life insurance coverage, you can be much more assured that those who you love and care about will be able to whether financial difficulties in case of the unexpected. That is because the proceeds from a life insurance policy can be used for some different needs, including the payoff of debt –…
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Understanding Simplified Issue Universal Life Insurance

The application process can be fairly straightforward for some people. For others, it may not be so easy. If you have any adverse health condition – or even if you have a fear of needles – you may be leery of undergoing the medical exam that is required by most life insurers for their traditionally…
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Understanding Rapid Decision Senior Whole Life Insurance

Although there are many seniors who can still easily obtain approval for life insurance, there are others who may not be able to do so due to various health related conditions. That doesn’t negate the need for having life insurance protection. The good news is that now there is a viable solution for obtaining coverage…
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HSBC Life Insurance Review | Get Covered Without An Exam!

UPDATE: HSBC no longer directly sells life insurance products. They will direct you to myLifeApp which offers term life insurance coverage through AIG. For some individuals, obtaining life insurance can be harder than for others. This can be due in large part to having an adverse health condition, which essentially deems them as uninsurable for…
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