Reader’s Question:

I keep hearing about no exam life insurance or something like that. Sounds good. What do I need to know about this if I’d buy one from Jacksonville, Florida?

Charlie

Jacksonville, FL

Hey Charlie, thanks for the question,

Yes, there exists no exam life insurance policies. They are usually term insurance. Sometimes they can be converted to permanent life insurance down the road. You may be required to take a medical exam at that time. Medical information is always treated confidentially by life insurance companies. No exam life insurance applications are accompanied by a questionnaire. Term life insurance can often be bound very quickly. You can even apply online and get some free quotes which is possible through this page. I encourage you to shop and compare no exam life insurance offers from Jacksonville FL.

Life insurance with a medical exam is classified as medically underwritten coverage. No exam life insurance is classified differently. Generally, a purchaser should not be intimidated by the medical examination process. Where appropriate, the medical examination will open more possibilities than no exam policies. The exam usually takes a short amount of time and is conveniently administered at home or at your place of business. It is generally non-invasive and the results are handled as confidential information.

But, many policy holders prefer no exam term life insurance policies. Contact your agent to help locate providers in Jacksonville, Florida. Your beneficiaries will be grateful that you afforded them a tax free death benefit in FL. Good luck, Charlie.

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