Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Yes, but it depends on which state you live in as some states restrict these types of plans. Something to keep in mind when dealing with the purchase of insurance is the fewer questions an insurance company asks, the more expensive the policy will be. Skipping a examination means fewer questions, which comes back to price, which would be higher. I should also address what 95% of an insurance "physical" involves. A medical examiner (usually a nurse) meets with you at your home or another place that works for you, They will take your blood pressure,check your pluse, have you step on a scale, ask about your medical history, draw some blood and collect a urine sample. Usually takes about 35 minutes or so. In cases involving large face amounts and an older client, a full medical exam may be done. It is also worthwhile to note that the cost of these exams are picked up by the insurance carrier.
Small burial type policies rarely have physicals. However, there are several companies that go much higher with no exams.
One company will go to $250,000.00 with no exam or blood, they will go to $450,000.00 with only a cheek swab. There is another that goes to $250,000.00, up to age 60, with no exam or blood. They also happen to be one of the lowest cost to age 121 policies currently on the market.
Some policies require a face to face meeting with the agent, some do not. Some may require a short phone interview, some will not. Work with an experienced Independent Life Insurance agent for the options best suited to your needs.
.JPG){kind=avatar}
Small burial type policies rarely have physicals. However, there are several companies that go much higher with no exams.
One company will go to $250,000.00 with no exam or blood, they will go to $450,000.00 with only a cheek swab. There is another that goes to $250,000.00, up to age 60, with no exam or blood. They also happen to be one of the lowest cost to age 121 policies currently on the market.
Some policies require a face to face meeting with the agent, some do not. Some may require a short phone interview, some will not. Work with an experienced Independent Life Insurance agent for the options best suited to your needs.