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Life insurance with no medical exam

Published by admin on November 26, 2009

Most life insurance policies require a physical check-up in order to determine the health state of the insured and as such the company can calculate the risks and be able to weight this into their insurance.

We can offer you a life insurance with no medical exam, by simply asking you details about yourself and your life and calculating your risks. For example, the most importants factors are age, pre-existing illness and dangerous work. That’s why older people, as well as people who have illnesses that can endanger their lives and people who work in a hazardous environment will pay a higher premium than the others.

Also, your lifestyle affects the risks, and with them the price of the policy. The biggest factor of the lifestyle is smoking, as smokers pay a larger premium, as they undergo higher risks. However, there are many variables included and our experts would take a look at your occupation, hobbies and habits.

As such, the life insurance with no medical exam policy is based on a complex set of calculations and each detail may do a change in the price of the policy. For example, exercising regularly would lower your monthly premium you have to pay, but riding a motorcycle would increase it.

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