5 Misconceptions about Life Insurance and No Medical Exams

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Life Insurance Information and the Internet

One of the best things about the internet is also one of the worst things about it when it comes to life insurance and no medical tests. It is a great resource for people to read up on life insurance and assess their needs, but what you read on the internet can also be misleading and cause people to believe myths and misconceptions about life insurance to be true.

Life Insurance

5 Misconceptions about Life Insurance and No Medical Exams

There is a lot written about life insurance and no medical exam coverage online. Some of it is very informative, and some of it is misleading. The following are five of the most common misconceptions about life insurance no medical coverage:

  1. It’s only for the sick: While many people with critical illness do turn to life insurance no medical coverage if they have been denied coverage in the past, there are also many healthy and able bodied people that seek out this type of coverage as well, so it’s not just for the sick.
  2. It’s only for older people: Another untrue fact. Your age only comes into play if you are older than 80 years old. Life insurance with no medical exam is a great option for people of all ages and situations.
  3. It’s expensive: The cost of a life insurance no medical coverage policy is relative to your specific situation. The amount of coverage you want and need, as well as the policy elements that you include in your coverage all play a role in determining how much you will pay for life insurance.
  4. Getting life insurance is difficult: To the contrary, getting life insurance without a medical exam is much easier and quicker to obtain than other forms of coverage. You can fill out your information online and get coverage in a reasonable amount of time.
  5. I don’t need life insurance: No two people are the same, but even if you are healthy, you will still benefit from life insurance. Life insurance with no medical exam is not a “one size fits all” plan. Each plan is designed to address you and your families specific needs, goals, and objectives.

Dispelling these misconceptions about life insurance will provide you with the right information you need to make an effective decision about your options for no medical life insurance. When looking into your options and collecting information, it is important that you always consider the source in order to make an informed and education decision.

 is an initiative of independent insurance expert Tamara Humphries and LSM Insurance. They have unique expertise in finding the best possible rate for life insurance with no medical exam. Their team has access to and uses the most up-to-date financial planning software from their insurance carrier partners. They focus on preparing the best possible package for each client’s specific situation and needs. For more information, visit  or call 1-866-899-4849.