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Policy type: Term life insurance from a provider like Ladder is more commonly available without an exam than permanent life insurance policies. Occupation : Some low-risk occupations may be more ...
Obtaining life insurance can feel like a complicated process, especially if the thought of a medical exam puts you off. The good news is you don’t always need an exam to get covered.
Unlike other options, guaranteed life insurance, a form of whole life insurance, bypasses the need for a medical exam for approval. Guaranteed life insurance offers a number of unique characteristics.
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person.
If you meet certain requirements, you might be able to get approved for life insurance without a medical exam. 8. Wait for approval. When the application process is complete, your job is done. The ...
This type of permanent life insurance provides a small death benefit — usually no more than $25,000 — and generally doesn’t require a medical exam for approval.
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