New Life Insurance Policies May Not Require Extensive Exams

Online, February 10, 2011 (Newswire.com) - Can life insurance be approved over the phone without an exam. With new technology available it could be possible. Now with more life insurance companies promoting life quotes all online. Most do require a full exam where you will need blood work. Although, their are unique life insurance policies which you can be instantly right over the phone as Felicia from 1800InsuranceToday.com reports.

Reporting on life insurance without exams is Felicia which claims their are policies that do not require extensive exams.

"Phooey... Not All Life Insurance Requires Exams"

"Many people are set on a long exam is required for life insurance. This is untrue, and select policies are developed to go through a question and answer period where it's required for you to answer questions honestly. Depending on the policy program and your life insurance broker or company. You may find an policy without even needing an exam."

"Unfortunately, when I read articles like the one below. The word gets out to smokers, people with prior medical conditions, etc. That they cannot receive life insurance. This is false and don't believe for a second that all life insurance policies need you to go thru an exam like the article I am quoting below."

"Feel free to read the post which gives life insurance prospects false hope."

"If you're considering life insurance, you may find that a paramedic examination is required prior to purchasing in order to determine your insurability. "

"For many, this is a daunting task. Not only do you need a physical, but your results will be analyzed and shared with a third party (your insurance company). The good news is that a paramedic exam is usually quick and easy, and there are ways to prepare to help you present your best picture of health. "

"Know how it works and what matters"
"Insurance companies outsource the physical examination to paramedic examiners in your area who will call to arrange the examination as soon as you apply for life insurance. The paramedic examiner meets you in a location of your choosing, completes the exam and then reports back their findings to the insurance company. The exact measures of your exam will depend upon your age, past health history, family history and the amount of insurance coverage you're applying for. "

"During the exam, the paramedic may:
* Draw blood from your arm.
* Collect a urine sample.
* Determine your height and weight.
* Check your pulse and blood pressure.
* Complete an EKG (electrocardiogram)."

Read the rest of the article at http://lifeinsurancesecrets.blogspot.com/2011/02/phooey-not-all-life-insurance-requires.html.

Most life insurances do require extensive exams which you can see all the details here: http://www.crestonnewsadvertiser.com/articles/ara/2011/02/01/8045941224/index.xml

For a life insurance package which can pay you monthly, do research and ask your provider if you can do a question and answer over the phone for approval.