Reader’s Question:

You know, funny things happen to me whenever I see a syringe. The last time when I was required to do it, I actually fainted right before the nurse! It’s kind of embarrassing and I don’t want this to happen when I apply for life insurance in Bellflower California CA, lest the insurers think that I have some kind of disease! How do I skip medical exams in life insurance applications?

Taya

Bellflower, CA

Hello, Taya! You sort of remind me of a colleague of mine. She was known in the office as the tough lady but when everybody learned that she has this incurable (well, it certainly hasn’t been cured yet!) fear of needles, that label disappeared overnight and was replaced by other monikers.

So, Taya, you are definitely not alone in this fear you have though I would say that yours is a bit extreme. What you can do, dear, is apply for no exam life insurance in Bellflower California CA which, as the name implies, does not require medical examinations from its applicants. No exam life insurance can be ideal for people like you or for those who do not have time for a medical exam, or for those with diagnosed diseases. Because there is no medical examination, you are expected to disclose every detail about your health condition and I would advise you to review it yourself before you answer the questions in the application form.

Remember that your life insurance policy and consequently your life insurance premiums will be calculated based alone on your answers in the application form. Also because having no exam for life insurance significantly cuts the time of the application process while significantly increasing the risk for your insurer in Bellflower California CA, you can expect, Taya, that the premiums will be a little higher than a life insurance policy that was acquired the conventional way. But at least you didn’t faint (or scream or cry) before the nurse!