Question by badharley: look for a good no medical exam life insurance company not sure which one would be a good pick. ?
Any one online is using a company now that you like please let me know.
Best answer:
Answer by vbgore
Why do you want a policy with no medical exam? A medical exam will HELP you get the best possible rate. Unless of course, you have a serious condition that you are trying to hide. Any policy that would offer coverage with no medical exam is already a “rated” policy. Meaning that you are paying a higher than normal rate for someone of your age, sex etc. If you have a substantial medical condition you need to find a company who is simply less expenseive for that particular condition. For example: some companies are much less expensive for high blood pressure, or high cholesterol than others. If I knew more about your health in general I could give better advice, but I certainly understand your reluctance to share personal health info.
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Speak to a broker in your area. Anytime there are any medical conditions (which I assume you have if you want something with no medical) you should never shop online. They will quote you thier best rates to reel you in, then jack up the premiums during the underwriting process. Gauranteed. A broker can assess your situation and find a policy that fits your need.
If you don’t have any medical conditions, you should seriously consider shopping for a regular policy. The inconveneince of the medical exams will save you litterally thousands of dollars throughout the life time of the policy.
You’ll pay 5-10 times the rate or…you’ll get 1/5th – 1/10th the coverage.