Reader’s Question:

Have you heard of no exam life insurance? It seems too good to be true but a friend of mine got his insurance in 15 minutes! I got mine for centuries…I had to queue for medical exam in Jacksonville, Florida and had to wait forever for results. Can instant insurance be as good as the other ones?

Jack

Jacksonville, FL

Hello Jack!

Yes, it may sound too good to be true to you, but there is definitely a no exam life insurance policy that you can get in 15 minutes after your payment of premium and submission of application form.

Here’s the catch with no exam life insurance policies. There’s definitely no more waiting, no more delayed approvals, and certainly no awkward medical exam and underwriting process (which can be quite intrusive for some).

The good news is that, you will get almost the same amount of coverage with regular insurance. Although the main difference there is that you will have to pay a little more expensive premium than the ones who require a medical exam.

Most no exam life insurance can be bought online and you simply have to fill out a form or questionnaire which contains vital information about you such as age, zip code, location, gender, etc etc. You need not lie about your medical history when you are applying for no exam life insurance. This is because this type of insurance would not really put weight so much on your medical history, nor does it dig up any history of life insurance rejection in the past.

I suggest you start seeking for free quotes online as this can be the best way you get to compare rates and scope of coverage. Just enter your zip code on the relevant space on this page and you will be redirected to a wide choice of reliable life insurance companies in Jacksonville, Florida.