(PRWEB) April 26, 2014
Qualifying for life insurance without taking medical examinations is simple and even seniors can be accepted. These plans have a simplified underwriting process: this means that fewer factors are used to calculate rates. As a consequence, the application process is also simplified.
In order to qualify for no medical exam life insurance, clients will have to complete an application form and answer some medical questions. Some plans, like simplified issue, are stricter and ask more questions, while others, like final expense insurance will only ask four questions.
Just because these plans do not ask for medical examinations, doesn’t mean that anyone can qualify for coverage. Clients who have been diagnosed with a serious terminal disease like cancer or AIDS will not be able to get coverage.
Some plans may also have age restrictions, which can be problematic for senior citizens. In any case, comparing quotes will help customers find the best life insurance plans.
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