Life insurance- No medical insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 7, 2012

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Insurance Question from Clarksville, TN

Asked on 02/07/2012

Life insurance- No medical insurance I am thinking of getting my wife 250,000 no medical life insurance policy.Does it matter whether you get a no medical policy or one with a physical done? What is the major difference between the two. Thank you.

Answer given on February 08, 2012

There is really no different in whether the insurance company request a medical exam or it does not. It could be the premiums for the no medical exam is slightly higher to compensate for the risk of having no exam.  They will still ask several medical questions such as perhaps, “have you ever had cancer”, “Have you ever had brain tumor?” or “Do you have HIV/AIDS?”  Answering “yes” to any of these questions will eliminate you from getting the policy even though they do not require a medical exam.  If your wife is relatively health, you might want to get a quote on life insurance that requires an exam.  An exam can range from a simply blood test, nicotine test to an informal paramed exam at home where they record your weight or blood pressure.  To get a term life insurance quote for $250,000 click here.   

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