Today there are several leading life insurance companies offering a range of policies to cater for different customer needs.
Therefore, you have the opportunity to choose between term insurance and whole life policy.
In addition, you can choose between a medical exam policy and a policy that does not require a medical exam.
Some of the companies that offer the term life insurance with no medical exam policy place limitations on the policy.
Because of the different requirements and different policies, it is advisable to shop around to find the best option.
The following are some of the ways to get an affordable no-medical exam policy:

• Realize you need insurance

Having insurance is very important.
In the past, many of the insurance companies required insurance shoppers to undergo an exam.
To get a medical exam, you will need to visit your doctor.
Alternatively, the insurance can send their preferred doctor to perform the exam on you.
The doctor will conduct several tests, including blood and urine tests and the tests forwarded to a pathology lab for testing.
The doctor will check your blood pressure, listen to your heartbeat and lungs and measure your weight and height.
In addition, he/she will ask you several questions about your medical history.
The doctor enters the findings on a questionnaire and forwards the completed form to the insurance company.
Usually, the results from the exam take several days to come, which mean you will have to wait for several days before you are qualified for insurance.

• Pursue alternative options

In case you do not have the time to undergo an exam or you are unwilling to undergo exam for various reasons, including social and religious reasons, there are alternative options available in the market.
Furthermore, if you want to get insurance as soon as possible or fear an outcome of a medical exam that is likely to deny you insurance, it is advisable to choose the no-medical exam insurance.
In order to get a competitively priced product, it is important to shop around.

• Compare quotes

If you are interested in getting a policy that does not require you to obtain an exam, it is easy to find one easily.
You can consider putting to use the online quote tool available in many leading insurance websites.
Some of these websites offer a one-stop shop that helps you to compare insurance products and prices offered by different insurance companies.
This offers an effective way of finding the best provider and coverage for you.
By submitting your information and the plan you are interested in, you will be able to receive immediately several quotes from different carriers to help you compare and find the best coverage.