I am just baffled at why people would want to pay more to get a no medical life insurance in Alabama when all that is required of the regular one is a medical certificate. I do not think it makes sense paying more for the same thing. Am I missing something here?

Catherine Simpson

Birmingham AL

Hi, Catherine! This is an interesting question and I can smell some debate over this topic soon. Thanks for voicing this out, as it may truly enlighten our other readers, as well.

As we live in different kinds of environment and we each have different lifestyles, we have different needs in terms of life insurance, as well. Yes, there is a different need for every one of us. It depends on our gender, age, health history, job and many other factors. Thus, some may need to have a life insurance that does not require any medical checkup for a number of reasons, too.

One may need to have a no medical life insurance in Alabama as early as possible that he will sign up for it even if it means a higher premium. This is true for a person who has sought employment abroad and who needs to go there as soon as possible and at the same time leave his family behind protected from the worries and risks his new job may entail. With this, he will seek the best life insurance policy he can get in his country. It will be harder for him to transact business or even process the required steps in claiming cash benefits if he gets it from another country – especially one with a different language or culture. But with the limited time he has, he may not be able to get the policy he likes because it requires a medical examination, and he doesn’t have the time to go thru with it.

Another reason for some is just to prepare an elderly person when his time comes. The cash benefits may be used for funeral services and other debts or needs as well. It may be harder for some older applicants to get approved especially if a medical examination is required.

If you plan to get life insurance in Alabama, get a quote first. It is better to shop around for life insurance before purchasing one. All you need to do is to fill up the online form, just like you see above this page, and provide basic information about yourself to know your rates. Then you will receive multiple quotes from various life insurance companies for free!

How does a no medical exam life insurance online in Mobile AL works?

Lester

Thank you for asking Lester.

In Mobile Alabama, it is possible to get life insurance with no medical exam when you shop online for your life insurance needs.You really do need to check to see if life insurance without having to visit a medical doctor is applies to you.

You will have to complete the application form online for life insurance in Mobile AL by answering a couple of questions including the state of your health. Once the online agents evaluate the answers to the questions, they will determine whether or not you qualify for no exam medical life insurance coverage. You do need to be in prefect health and young to get a life insurance with no medical exam.

If you have chosen the best life insurance online for you where you do not need to have a medical exam, the process will just be quite simple and easy. Once you receive a reply that your application has been qualified for life insurance, you can pay for it online using your credit card and print off your no medical exam life insurance policy. If you do not tell the truth on your application for the insurance regarding the state of your health, this might cause a cancellation of your life insurance no medical exam.

Goodluck!

MariCAR

My dad is a pilot by profession. And I learned that my dad’s profession is considered high risk in Birmingham, Alabama. With this, he is paying higher life insurance rates as compared to others. Why is that?

Tina

Birmingham, AL

In general, life insurance companies consider a person’s lifestyle in setting their life insurance rates. And one of the main factors that insurer consider is a person’s occupation. Policeman, scuba diving instructors, fireman, soldier, and pilot to name a few are professions that are considered to be riskier to be insured. They are commonly called as hazardous occupations.

Since your dad’s profession in Birmingham, Alabama is considered a hazardous occupation then it’s only normal to expect a higher life insurance rates. That is because the kind of work a person has affects his or her health thus affecting one’s life expectancy. It is strongly advisable for a person with hazardous occupation to carefully choose his/her term life insurance carrier. A life insurance company with rated A or A+ should be taken into consideration and also the mortality table that the carrier uses. The mortality table helps set the life insurance premium a person will pay depending on the risk he/she poses.

For more information about life insurance quotes, you can ask your life insurance agent or check the websites so you could compare term life insurance quotes.

Tags: hazardous jobs life insurance, insurance advice, life insurance

What will be the disadvantages of getting a no exam life insurance in Birmingham AL? Is it easy to get one online?

Tanya

Thank you for asking Tanya.

You should be aware that life insurance with no exam in Birmingham AL may cost you a little more than coverage through other insurance company. But the benefits outweigh the costs for some people. Benefits for a no exam life insurance include instant approval, no medical tests, no doctors, no invasive needles, no mailing delays, no pushy insurance agents to deal with. But, there are two drawbacks – the premium may be a little more expensive. And, not all qualifies for coverage.

It’s very easy to know if you qualify for no exam life insurance in Birmingham AL. You just answer a few simple medical questions to get your instant quotes. You then decide if you like the insurance rates, and you can apply online in about 5 minutes. You usually get a response within 10 minutes as to whether you are qualified for your life insurance policy. You can then pay your first month’s premium online, and print your insurance policy instantly.

Just make sure you check the financial position of your life insurance provider in Birmingham AL. Usually it is provided online. In addition to that, paying an annual premium is usually cheaper than monthly payment options.

Goodluck!

MariCAR

What requirements are needed for me not to undergo medical exam for term life insurance in Montgomery AL?

Felice

Thank you for asking Felice.

You may be surprised that not all Alabama tem life insurance providers require potential policyholder’s to undergo a medical exam. You can obtain term life insurance with no exam in Montgomery Alabama. Not that there are term life insurance providers that offers term life insurance policies with no medical exams, but, there are some out there.

It depends on the term life insurance company from which you want to get your term life insurance policy whether or not you are going to be able to get term life insurance with no exam. The requirement for its potential policyholders to undergo a medical exam is based on that particular term life insurance company’s underwriting process. For instance, some fly-by-night term life insurance company’s may try to attract customers by telling the fact that they offer term life insurance with no exam. At the same time, long standing and reputable insurance providers may offer term life insurance with no exam to potential policyholders of a certain age who wish to purchase a certain amount of term life insurance.

So, if you are looking for term life insurance with no exam in, all you need to do is to contact various term life insurance providers in Montgomery Alabama and ask about their underwriting processes as far as medical exams are concerned. Make sure to research the term life insurance company before purchasing anything.

Goodluck!

MariCAR