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A medical exam is an important part of buying a medically underwritten term life insurance policy, but many people want to find some sort of protection without having to take a medical exam.
While some people like the idea of having life insurance without a medical exam, it can be difficult to find such policies and the cost typically is higher than it is for life insurance policies that include a medical exam. So, while buying life insurance without a medical exam is not for everyone, it works for some people.
If you are looking for life insurance without a medical exam, you should consider Accidental Death and Dismemberment (AD&D) insurance. AD&D is not life insurance at all. It is a separate type of insurance product that helps protect people only in the event of accidental death or serious injury. It is a more limited form of protection than term or whole life insurance policies.
Click here to learn more about the differences between term life insurance and AD&D.
For millions of Americans, the idea of securing some form of financial protection for their loved ones after they die without having to take a medical exam is too good to pass up.
Here's the deal: With accidental death insurance, there is no medical exam, coverage is guaranteed regardless of your health, age or occupation, and it can help your loved ones pay the bills after you are gone.
Ready to learn more about Accidental Death insurance with no-medical exam?