I already have an existing life insurance policy in Oklahoma. But I want to get an additional insurance that does not require me to undergo medical examinations and the standard assessment procedure. How can I qualify for term life insurance no physical exam?

Michelle

Oklahoma City OK

Getting a life insurance is always considered a wise decision. Generally, people like the idea of getting a life insurance as investment, savings, protection, security, peace of mind, and others. But the list of requirements, medical exams, underwriting procedures that they need to undergo could sometimes turn them off from applying for life insurance. They get discourage with all the rules and procedures the life insurance companies imposed on them before they can get an insurance policy.

There are life insurance companies in Oklahoma who sympathize with the sentiments of these people. Thus, they created a new type of insurance which is categorized as term life insurance no physical exam which no longer requires a person to undergo numerous medical, occupation and other assessments to determine their insurability. This term life insurance no physical exam is more known as ‘simplified issue term life insurance.’

Insurance companies would usually described the simplified issue insurance as no medical exams to be taken, no visits by sales representative, available for purchase online, a do-it-yourself insurance application, and saves time and hassles. If the said descriptions fit your idea of a life insurance, then you can consider term life insurance no physical exam life policies as your additional insurance.

As the name ‘simplified issue life insurance’ suggests, getting this type of insurance is simple and easy. They are available online for your convenience. You can apply for term life insurance no physical exam online. No medical examinations will be required but you have to answer a few medical questions when you apply. They usually ask about history of a chronic disease, recent hospitalizations, and history of cancer and heart disease. If you answer that you do not have history on any of them, then instantly your application for insurance is approved.

You should answer their questions honestly, because if the insurance company in Oklahoma would find out that you lie in answering the questions, it can be a ground to revoke your policy. And, your beneficiaries would end up with nothing.

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