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Find Life Insurance with No Medical Exam at ProfessionalReferrals.ca

Nowadays life insurance with no medical exam is becoming a more common option as most people do not like going to their doctor just to apply for a policy. Applying is now made easier than ever before and you usually just have to fill out a short questionnaire that will cover a few important topics concerning your overall health condition. A few of the more common questions that you may be asked include:

* Have you used tobacco in the past 15 years?
* Have you ever been arrested for driving under the influence of alcohol?
* Do you have a hazardous occupation or travel to dangerous areas?
* Do you have a history of felonies or drug abuse?
* Do you have a history of major health conditions?

Many people find answering a few simple questions such as these in the comfort and privacy of their own homes to be preferable to having to make an appointment with their physician. However, keep in mind that life insurance no exams may be more expensive in the long run. The premiums for these policies are sometimes higher when you refuse being looked over by your family doctor. The reason why is that they simply assume that there are going to be medical conditions that you are unaware of so they will charge you the same amount as they would someone who had the physical examination and performed poorly.

Sometimes it can be tempting to opt for life insurance no exam because you have a certain medical condition that you do not want the issuing company to know about. Even so, make sure you answer the questionnaire truthfully because lying would be constituted as insurance fraud and there could be fines or worse if you are eventually caught. Also, be sure to apply at several different companies and then compare the different quotes you receive so you can find the one that is the lowest.

If you still have any questions about whether or not life insurance no exam is the right route for you to take, be sure to browse through our web site at ProfessionalReferrals.ca. Here we offer tons of free information regarding the many different types of insurance available as well as other information that you may find interesting. We also offer a free service where we can match you up with a trustworthy professional from the finance or accounting field who will be able to advise you further.