Buy No Exam Life Insurance in Indiana
Reader’s Question:
I’ve already had a complete medical checkup this year. I don’t want to do two x-rays when I’m perfectly healthy. Is there some way to get life insurance this year here in Elkhart, Indiana without having to undergo another x-ray?
Betty
Elkhart, Indiana
Hey there, Betty. It’s good that you seem to get regular medical check-ups. This is an indication that you take care of yourself, a fact that insurers should be able to take note of in calculating the insurance premiums.
On whether or not you can skip the medical exam in applying for life insurance this year, let me tell you that it is indeed possible to apply for no exam life insurance coverage in Elkhart, IN. You still have the option of permanent life insurance coverage (whole life or universal life insurance policy) or temporary life insurance coverage even if you decide to sign up under no exam insurance terms. No exam life insurance would probably require higher premiums for the same “with exam” coverage since the insurer would be taking a risk by not knowing exactly what your state of health is. Of course, you will be asked certain questions regarding your health and the presumption of honesty will prevail. Nonetheless, insurers offering no exam life insurance coverage usually reserve the right to withhold coverage if it is found later on that the insured had not been completely honest in answering the questions.
If you want to get an idea of how much no exam life insurance costs in Elkhart, IN, you can actually type in your zip code on the space on this page and request for free life insurance quotes. Hope that helps you Betty.
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