Does term life insurance require a medical exam?

If you are shopping for a term life insurance policy you may be wondering if you have to take a physical exam, blood and urine tests.

Some of us just hate the idea of drawing blood, fear needles, or don't have the time for a physical examination.

Although most life insurance companies require a medical exam, especially if you are buying $100,000 or more of life insurance, you may have other options available.

Today, there are insurers offering life insurance coverage without requiring a physical exam.

In fact, you may be able to qualify for up to $500,000 of term life insurance without any medical exam, blood or urine tests.

Although these plans may cost more than a life insurance policy requiring a physical, you may be able to start your life insurance policy today.

Here's how to learn more and get your term life insurance no exam policy online today. it only takes about 15 minutes or less to find out if you qualify for your term life insurance policy.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance on My Husband?

Can I take out life insurance on my husband just to protect myself if something happens he has life insurance?

In order to buy life insurance on another person;s life there must exist insurable interest between you and that person. Insurable interest exists between spouses, parents and children, business partners, and siblings.

Since you are married to your husband, insurable interest does exist between the two of you.

Your husband must consent to having life insurance and must sign the life insurance application.

While you are thinking about yourself, you should think about him as well. What would happen if you die? Would he be financially secure and able to pay the bills?

If both of you are thinking about getting life insurance, you should get one policy instead of two policies. All you have to do is add a spouse rider. If the insurance company doesn't allow it, then find another company that does. By combining coverage, the cost per thousand coverage decreases.

However, you may want your own separate life insurance policies in case your life insurance needs are different.

Here's how you can compare life insurance quotes online and find low cost coverage for you and your husband.

or, you have the option of buying term life insurance no exam required. With this plan you can buy up to $500,000 of term life insurance coverage without any physical exam required, just a few health questions. you can even apply online in minutes and start your life insurance today, if you qualify. You can apply online for life insurance policies for you and your husband.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Will Lexapro prevent you from getting life insurance?

If you take lexapro for depression it doesn't necessarily mean you won't qualify for a life insurance policy.

Although some insurers may not accept you for life insurance because you take lexapro, other insurers may offer you a limited amount of life insurance, or they may charge you more for the coverage than they would someone who is not taking the prescription for lexapro.

One way to find out which carriers may offer you coverage and at what rates is to request free term life insurance quotes online and compare the offers from several leading life insurers. This may give you an indication of what to expect in terms of approval and pricing.

Or, you could contact a licensed life insurance agent in your area to help you locate and compare plans from insurers who may be willing to provide you with life insurance coverage.

Another option may be term life insurance no exam required, which offers up to $500,000 of term life insurance for up to 30 years. There's no physical exam just a few health questions. If you qualify you may begin your life insurance coverage today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance for Husband That Smokes?

Can I get life insurance for my husband?

He is 37 and smokes and he's overweight.

Also, Can you buy a lot of small policies without having to have a physical?

There are life insurance companies that specialize in term life insurance for smokers which may offer more competitive rates for life insurance on your husband.

Also, there are several life insurance companies that now offer no exam life insurance on the internet.

Some life insurance carriers offer smaller amounts of life insurance with no medical exam, like Globe Life which offers up to $30,000 of simplified life insurance with no exam for people age 78 and under.

In addition, there are other insurers that offer up to $500,000 of term life insurance no exam required, just a few health questions. Coverage with no exam required is usually term life insurance for a period of 10, 15, 20, or 30 years of coverage.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate