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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.
Life insurance companies prefer to cover the healthiest, youngest people, offering them the lowest rates. Traditional policies usually require a medical exam, a detailed questionnaire, and ...
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.
MetLife's individual life insurance products and services comprise term life insurance and several types of permanent life insurance, including whole life, universal life, and final expense whole life insurance. [77] [78] These services vary in regards to the duration and amount of coverage available and whether a medical exam is required for ...
Whole life insurance, or whole of life assurance (in the Commonwealth of Nations), sometimes called "straight life" or "ordinary life", is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. [1]
Benefits. Term Life Insurance. Whole Life Insurance. Duration. Varies; can last for a period of years or to a specific age. Life. Cost. Variable, but usually lower than whole life policies
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