With the rapid demand for insurance coverage, the desire for better term life insurance without a medical exam comes along. Many people are opting for this policy over the old traditional insurance cover that comes with a compulsory medical examination because of the many merits that come with it. In a matter of hours, one is able to receive a quote while in the case where medical exams are required, it would have taken you several weeks or months. More to that, after waiting for all that long, you may end up being denied the cover. Below are some reasons why people are taking up this flexible policy:

Healthy status

In the recent past, many people have been denied quotes simply because they suffer from different diseases. Companies are reluctant to give these individuals covers because they are concerned about the risk they might suffer if the people may face untimely deaths earlier than expected. However, where no medical examinations are needed, the companies are not concerned about the illnesses suffered by its clients, although a simple medical report may be needed at times.

You do not have to change your lifestyle and occupation

Many insurance companies are reluctant to offer insurance cover to people who are involved in risky lifestyles or live in risky surroundings. This is because the risks they are prone to are more likely to take place quicker than expected. However, where no medical examinations are concerned, whether you are a skydiver, wrestler or a sumo fighter, who are in the blink of death at any particular moment, the quotes are available for you too.


No medical exams mean no submission of many reports to the doctors for analysis. This generally makes the issuing of quotes to be faster. Surprisingly, it may even take a few hours or even minutes to get you covered while if medical exams were compulsory it would have taken you some months.

Simple processes

No medical examinations simply translate to less and simpler procedures and processes. You do not have to keep on scratching your head moving from place to place. You also do not need to cope up with the difficult terms used by doctors.


With many companies offering online application, you can easily apply for your quote in a matter of minutes without even having to move out of your house. Online payment methods are also at your disposal to even make the process more stress less.

Source by Mkamba M Juke

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