(PRWEB) September 19, 2013
No medical exam policies offer life coverage a lot easier and faster than a typical policy. The main feature is the simplified underwriting process. Usually, when applying for a policy clients would have to take a series of medical examinations.
Smoking will always increase clients' premiums three or four times, but it does not disqualify people from getting life insurance without exam.
Life insurance policies that do not require medical examinations are easy to qualify for and they are issued very fast (in 24 hours). However, these benefits come at an increase in premiums. No exam life insurance policies will always cost more than traditional policies and they are issued with a smaller value.
Smokers who are suffering from a pre-existing condition can qualify for a policy. In order to be eligible for coverage, smokers have to answer a series of medical questions. If they suffer from cancer, AIDS or are terminally ill, they will not be able to qualify for coverage.
Nevertheless, smokers should consider no medical exam life insurance policies as a last resort solution.
Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.
For more information, please visit http://noexamlifeinsurance.us.