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EverGreen Insurance Agency - Peter Schmidt

690 Route 211 E
Middletown, NY 10941

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New York Life Insurance Guide: Is There a “No Medical” Life Insurance Plan?

If you are looking for life insurance, you’ll likely hear the phrase “no medical life insurance” a lot. What this term means is that this is a kind of life insurance that you can get without having to take a medical exam. Many kinds of life insurance policies require it, so that the insurance company can determine what you qualify for.

But a lot of people don’t like insurance that comes with that requirement. So many companies will offer “no medical” life insurance. At EverGreen Insurance Agency, we want Middletown, NY residents to have access to whatever kind of life insurance that they need.

What is No Medical Life Insurance?

No Medical life insurance is a kind of life insurance that you can get that means you will get life insurance coverage without having to take the medical exam. There are two kinds, simplified issue life insurance, and guaranteed issue life insurance.

When you get life insurance that requires a medical, you’ll have to answer a medical questionnaire, and a nurse will come to your home to take your blood, urine, and some vitals. That will help the insurance company determine if you have pre-existing conditions.

With No Medical life insurance, that part of the application process is removed.

Who Gets No Medical Life Insurance?

There are a number of reasons that people get this kind of insurance.

• Pre-existing conditions
• People want fast approval on life insurance
• People don’t like needles or exams

There is nothing wrong with choosing No Medical life insurance. It’s there for people just like you.

Get a Quote

When you are purchasing life insurance, the options seem never ending. If getting that exam makes you nervous, don’t get one. Get No Medical life insurance. At EverGreen Insurance Agency, we want Middletown, NY residents to be able to get the life insurance they need for their loved ones. Call us for a quote today.