There are several insurance providers who provide life insurance without physical exams.
You can find reasonably priced premiums if you look in the right place, and there are a large number of resources online to help you do just that.
Companies like Netquote and Insureme save you time and money by having you fill out one application, and sending that application to several insurance providers at once.
You then compare and choose the plan that you want.
While life insurance without a physical exam sounds good, you should know that physical exams are actually designed to save you money.
An insurance company can't properly assess your risk without knowing your physical status, and therefore charge higher rates and place heavier requirements on no test policies.
The death benefit associated with these policies is typically lower than other life insurance products.
If you find that you will need more insurance, you can also use the online quote service to see term and whole life plans at the same time.
Because every individual situation is different, there are a large number of insurance products that may adequately meet your needs.
In order to get the most out of your shopping experience, you should get quotes from at least three different sources.
You should also consult with an agent or representative from two or more companies.
This will give you two second opinions, as well as reliable professional assistance.
When you get your life insurance [http://www.
esmallbusinesshealthinsurance.
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html] policy, you have thirty days to try it out.
You want to thoroughly understand the contract as much as you can, and you don't want to commit to something you don't agree with.
Use this time wisely, canceling the policy later will result in you not getting your money back.