Reader’s Question:

I’ve been meaning to get instant life insurance coverage for the longest time but I just can’t find the time to go get a medical check-up. I hate cues! Is there some way I can get life insurance without having to take leave from my work here in New York?

Jordan

New York  NY

Hi Jordan! I’m glad you realize the importance of having life insurance coverage. I always advise friends to get it early on – whether it be term life insurance or a whole life insurance, I just feel that you need to make provisions while young; and premiums haven’t skyrocketed yet.

I’m glad you asked specifically on no exam life insurance. Few people have time nowadays to take a day off just for a medical check-up requirement for an application for life insurance coverage in NY. Insurers have now acknowledged that time is valuable and many people cannot afford to waste it. That is why no exam life insurance is now being offered by most insurance companies in the US, including New York. There is a presumption of honesty from your end, of course. Just make sure you answer all questions about your medical history truthfully so that the premium quoted is accurate and so that there are no legal issues in future. Surely you don’t want the insurance company to find reason to deny you coverage when you need it.

You can actually save even more time if you get instant life insurance quotes. Just key in your zip code on the forms on this site and you can get free life insurance quotes from insurers. Think of it as talking to several insurance agents all at once and getting several quotes of available packages in less time that it takes you to meet with just one of them insurance agents. Pretty cool, eh?