Life insurance without medical exams is a new type of policy, created for those people who cannot meet the requirements of traditional insurance. Life insurance without medical examination, better known as guaranteed life insurance, is a way to save us all the cumbersome procedures involved in acquiring a policy.

When we decide to buy insurance coverage, many times we limit ourselves, for the simple fact that we have to submit to a physical exam. This fear is due to the fact that depending on the results, the value of the rates of said policy will be calculated. Which can be either cheaper or more expensive, for this reason, life policies without medical examination were created. Its goal is that we can all access the benefit of life insurance without worrying about passing the said exam.

At Dulcinea Insurance we have the best and most up-to-date tools to offer you a quality service. Call us at 786-910-9487 so that one of our agents can give you the advice you need completely free of charge.

What are the types of life insurance without a medical exam?

Life insurance is designed in order to cover our needs, which is why different types of policies have been created, such as:

• Risky life policies:  These are those in which a part of the premium goes to savings, which can be recovered once the termination date has been reached. Depending on the situation, the premium for these insurances can be more expensive than traditional insurance.
• Term life policies:  They are used to contract insurance at a specific time. Their minimum duration is one year and they can remain in force until the retirement date depending on the terms of the contract.
• Life policies linked to the mortgage:  They are insurance linked to the institutions that offer financing (banks) used when a loan is requested. They last until the moment the loan is paid off.

What should we take into account before purchasing life insurance without medical exams?

Life policies without medical examination have the benefit of a quick and easy application process. This process can be completed from the comfort of our home or office. However, it also has its disadvantages such as a higher cost of premiums compared to traditional insurance, and coverage for the death benefit may be lower.

Quote life insurance without medical exams

When we decide to buy a life policy without the requirement of a medical exam, we have the peace of mind of knowing that we will only have to carry out a questionnaire related to our health. Without the need to schedule an appointment with the doctor, or have to take a blood test. It is a way to be able to opt for an insurance policy that financially protects our family in case we are no longer in the fastest and easiest way.

Life Insurance without Medical Exam

Normally when you apply for a life insurance policy, the insurance company requires that you take a medical exam. Some companies require this test for all policies and others only for policies with a high amount of coverage. To attract a larger market, some insurance companies now offer Term Life Insurance with no medical exam required.

Benefits of a term life insurance policy without the requirement of a medical exam.

When you apply for a no-exam term life insurance policy, all you have to do is answer a few questions about your health. There is no need to schedule an appointment with the medical examiner, no need for a urine or blood sample. In addition, the coverage amount is 100% tax-free. In addition, all life insurance policies have a 30-day money-back guarantee. If you are not completely satisfied with this policy, you have 30 days from the payment date to cancel your policy and receive a full refund.

Our Easy and Fast Process.

Our easy application process can be completed from the comfort and privacy of your home or office without the need to speak with an insurance agent, just answer a few questions about your health. If you qualify, you will be able to print your policy immediately after your payment is processed.

Step 1: Quote

Please fill out the electronic form to receive your instant quote. Review your quote and find out if you qualify by answering a few questions. You will know immediately if you qualify for this coverage.

Step 2: Pay

If you qualify for this coverage, you can pay by credit card or electronic check. Your payment will be processed only if your policy is approved.

Step 3: Print

After your policy has been approved and your payment has been processed you will be able to print your policy immediately. You will receive the original policy a few days later by mail.

If you have any questions or if you prefer to speak with an agent.

Call now at 1-877-463-7868 where we will gladly assist you as you deserve. When you apply by phone we will ask you your date of birth, weight, height, and some questions about your health. You will know immediately if you qualify for this coverage or not. There are no paperwork delays and your policy coverage begins immediately upon processing your payment. Buying life insurance has never been so easy and fast.