There are a number of affordable No Exam life insurance policies for those who do not want to take a blood test or physical examination when they apply for life insurance.
That being said, the blood test helps the life insurance underwriters better see what health risks might be present when they review you for life insurance coverage. These health risks they check for in your blood test may include liver disease, diabetes, HIV, and high cholesterol, among others.
The life insurance blood test also helps verify if the applicant has used tobacco or illegal drugs. When your health risk is calculated accurately, rates are assessed more fairly, and the security of your life insurance is strengthened. This means you pay a more reasonable rate based on your actual health if you choose life insurance with blood testing.
However, there are plans that offer you the chance to purchase life insurance with no blood test direct online, and if you qualify for coverage, you may start your life insurance today.