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With the rapid demand for insurance coverage comes the desire for better term life insurance without a medical exam. A lot of people are opting for this policy instead of the old traditional insurance coverage that comes with a mandatory medical exam due to the many merits it carries. In a matter of hours, one can receive a quote, while in the case of medical examinations, it would have taken several weeks or months. Furthermore, after waiting so long, you may be denied coverage. Here are some reasons why people are embracing this flexible policy:
healthy state
In the recent past, many people have been denied quotes simply because they suffer from different illnesses. Companies are reluctant to cover these people because they are concerned about the risk they could take if people may face premature deaths sooner than expected. However, where medical examinations are not required, companies do not care about the illnesses suffered by their clients, although sometimes a simple medical report may be necessary.
You don’t have to change your lifestyle and occupation.
Many insurance companies are reluctant to offer insurance coverage to people who lead risky lifestyles or live in dangerous environments. This is because the risks they are prone to are more likely to occur faster than expected. However, as far as no medical exams are concerned, whether you are a skydiver, wrestler or sumo wrestler, who is on the verge of death at a certain time, the quotes are also available for you.
Emergency
No medical exams means that many reports are not submitted to doctors for analysis. This usually makes issuing quotes faster. Surprisingly, it can even take a few hours or even minutes to cover, whereas if medical exams were mandatory, it would have taken a few months.
simple processes
No medical examination simply means fewer and simpler procedures and processes. You don’t have to keep scratching your head moving from one place to another. You also don’t need to deal with the difficult terms used by doctors.
flexibility
With many companies offering online applications, you can easily request your quote in a matter of minutes without ever having to move out of your home. Online payment methods are also at your disposal to make the process less stressful.