Florida life insurance

Life Insurance without medical exam in Florida

Medical or non medical for life insurance
Medical exams for life insurance

When applying for life insurance one of the main questions I get is : 

Should I get a medical exam?

For instance, many people do not like getting physicals or going to doctors. With a no medical exam life insurance you can qualify for the same riders and coverage than a fully underwritten policy with a medical exam at a slightly higher price.

We’ll go over some reasons why getting life insurance with a medical exam, as a result you will know if it’s going to be a good idea or not. You can click on the links below to read a specific section or just read the entire post.

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Life Insurance Without Medical Exam in Florida

What is life insurance without a medical exam? This type of life insurance is favored by many who are looking for quick underwriting, don’t like needles and are willing to pay more on average.

When you don’t do a medical exam then underwriting goes off the medical records, driving records, prescription records and of course what was answered on the actual application.

No medical exam life insurance is good for people looking for things such as mortgage protection, key person business insurance and income replacement that need something issued quickly.

Let’s go over some advantages and disadvantages of life insurance without a medical examination.

Advantages of Life Insurance with No Medical Exam in Florida

These are some of the advantages:

  • Quick issue time, in some cases immediate issue.
  • No needles or probing
  • Usually up to $400,000 with no medical exam (depending on company)
  • Living Benefits can be included in many

Disadvantages of Life Insurance with No Medical Exam in Florida

  • On average the premium are more expensive with no medical exam
  • Can’t qualify for better rates such as preferred
  • Usually just standard rate of non-tobacco or tobacco
  • Underwriting can’t see how your health is right now, just go off previous health history
Life Insurance with Medical Exam in Florida

Have a pre-exisiting condition should I do a no-medical exam

For many that have pre-exisiting conditions such as high blood pressure, diabetes, high cholesterol, history of cancer and so on, it might be best to do it with a physical exam for underwriting.

Before doing an application we can submit your conditions to underwriters with many companies. Within 2-3 business days they will tell us which would be a good fit for your specific situation.

Get a Quote for no medical exam

Give us a call at 786-236-1792 or send us a message on Facebook so that we can give you a quick quote. We represent different companies to find the best fit for your needs and budget. Best of all we do everything by phone or video chat so that you can be in the comfort of your home or office, not stuck in traffic or having to pick up the house because some stranger is coming over.

You can also learn more about the advantages and disadvantage of getting a life insurance with a medical exam in Florida.

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Lorena Tomasini
Hello! I've been in the life and health insurance industry for over 10 years. Together with my mom, we run an insurance agency to inform individuals, families and small business owners about the power of life and health insurance. Hope these articles give you a different perspective.

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