One can find any number of specific kinds of life insurance policies which guarantee acceptance to all who apply. In other words, no medical examination is necessary. In general, they are simple and expeditious to obtain and are a pretty good solution for those with particular health issues. They are also typically much more costly than other policies.
Who Should Apply for Life Insurance?
In today's busy and frenzied environment, most people just cannot take a day off to get a physical examination for the purchase of life insurance. People would rather not waste a vacation day and anyway, who likes to take a day off to go to the doctor and the insurance company? The option of No Medical Exam Term Life Insurance is the solution to both issues: the insured gets the satisfaction of providing for his loved ones and he does not have to deal with the inconvenience of going to the doctor.
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