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Life Insurance Without Exam Is Available For People Who Have A Pre-Existing Medical Condition
Date:12/3/2013

(PRWEB) December 03, 2013

Online Insurance Marketplace has released a blog explaining how to get life insurance with a pre-existing medical condition!

People who have a pre-existing medical condition can now get life insurance by applying for a policy which does not require a medical examination. This type of policies have a simplified underwriting process which people who have medical problems can pass.

Life insurance without medical examinations required is a new product and many clients still do not know all the details. Online Insurance Marketplace argues that understanding a life insurance plan before purchasing it is essential. One of the biggest misconceptions about these type of policies is that only people who have pre-existing medical conditions can qualify for it. This is false, because even healthy people can get to purchase this plan.

There are three life insurance policies that do not require medical examination: simplified issue, final expense and guaranteed acceptance issue. The first one offers temporary coverage, while the last two provide permanent insurance. In order to qualify for a plan, an applicant has to complete a medical questionnaire. Online Insurance Marketplace points out that not anyone can qualify for a plan. People who suffer from cancer, AIDS and have been declared terminally ill, cannot get life insurance. Furthermore, some policies offer a graded benefit and other limitations.
People with pre-existing medical conditions can get life insurance without medical examinations and save time. The benefit allows them to cover funeral expenses and to financially support their loved ones. For people who have dependents, life insurance is an important investment and it should not be ignored.

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