(PRWEB) February 18, 2014
Although life insurance plans that do not require medical examinations are more accessible and more lenient towards people with health issues, some medical conditions will prevent applicants from getting life coverage. It is important to remember though, that some diseases can be cured, thus increasing the former patient’s eligibility.
No exam life insurance does not have a complicated application process. However this doesn’t mean that these policies can be bought by anyone. Some people will not be able to qualify for a life insurance plan under any circumstances. People who suffer from cancer cannot be eligible for coverage. Only former cancer patients can purchase a no medical exam life insurance plan.
People who have been declared terminally ill, regardless of their diseases, cannot get life coverage. If a patient has been declared terminally ill by a professional doctor, he or she has less than 12 months to live. Agencies review the medical history of the applicants and will not insure people in such a serious medical condition.
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