If you want to have the option of no medical exam when you are planning to obtain a life insurance, you might probably want to observe some of the following conditions. Many people assume that this is something that is only in fantasy and not necessarily true. However, the reality is that there are a couple of things to this that need to be satisfied in order to ensure that it is in fact the route for you to follow. Once you do have all the things in mind, you can be rest assured that this would be the route to follow.
Clean claim record
Do you make a lot of claims on your insurance? If you do, then you will probably never get a chance to enjoy the no medical exam insurance policy. Those that have a history of making a ton of claims are not necessarily the best candidates for such a policy. Therefore, you might want to be a little cautious on this front. Unless it is absolutely necessary, this might not be the way to go for and therefore, you might end up paying for the multiple claims.
Health record
Do you have some preexisting condition that requires medical attention? If you are unfortunately in this crowd, you will probably never get to enjoy a no medical exam based policy. This is something that you might not be able to do much about, which is why it is necessary that you take some caution and work a little on. Although some conditions get better over time, not all of them fall into this category, which is reason why you might want to be more careful about your health and take measures to be as healthy as possible.
Length of insurance period
If you have been with the same insurance company for a decent period of time, then you will be able to probably enjoy the option of no medical exam. However, if you were not with the same insurance company for a very long period, it is very likely that you are going to be paying quite a bit for your insurance. Therefore, this is something that you could work on which could help ensure that you are able to renew your policy with a lot less effort than the previous time. Since insurance companies like customers that make minimal claims and have a decent health, they are unlikely to charge you more.
Thus, in this manner, you can work your profile to match that of a no medical exam. This is one of the things that you would probably want to keep in mind as it is quite likely that you can built your profile to be what the insurance companies would call “perfect”. This normally sounds a lot harder than it is, but when you actually work on it, you will notice it is easy and that you are getting healthy as well as an added bonus!
