A no medical exam life insurance allows the applicant to qualify for life insurance coverage without having to take a medical examination. However, there are some health questions to be answered, and your approval will be based in part on your answers to the health questions.

Normally the premium for no exam life insurance is a little more because there is no Medical Exam required, which means some people may qualify who may not otherwise if a health exam was required. 

Usuall...

Continue reading ...

When you apply for life insurance coverage the insurance company may require you to take a medical exam which may include blood and urine testing.

The insurance company wants to check whether you have nicotine in your system, as well as, check for any legal or illegal substances in your system, such as, prescription drugs, marijuana, cocaine, methamphetamine, or any other illegal drugs.

Also, they are checking your urine for health issues, like high cholesterol, STD's, HIV/AIDS, diabetes, or an...
Continue reading ...