Reader’s Question:

I am very worried right now because my term life insurance will expire its term by the last quarter of this year. I would have to renew but I might be asked to take a medical exam for I was diagnosed of diabetes a year back. What can I do? Is there something that will give me lif einsurance coverage with no exam?

Hazel

Atlanta, Georgia

No need to worry too much, Hazel.

You can manage to have a life insurance even with your medical condition. Be aware that there are already a number of insurance companies which offer the ‘no exam life insurance’. It is not only fast to get one, it is also a very good option for people with existing or developed medical conditions like you.

You cannot just let go the thought of having a life insurance just because you are apprehensive of being approved or not. This is the more important time because you are a high risk person which can experience complications from diabetes.

No exam life insurance simply means you will not undergo the tedious and traditional medical exam which most life insurance policies require before giving coverage to prospective policyholders. Most medical exams that you need to go through for life insurance requirements include basic physical exam, with blood and urine sample. This can pose trouble to people who are diabetic, smoker, those who have heart problem, those who are unhealthy, or even those with clinical depression.
You can have three options in obtaining no exam life insurance. You may get them through a work-sponsored benefits plan, regular life insurance without an exam, or term insurance without an exam. Most life insurance companies that have a website will give free quotes online.
Insurance companies that operate exclusively online will offer instant no exam life insurance and will give you fast quotes. To start getting quotes, you can simply enter your zip code on the relevant space in this page.

Happy shopping online!