It is really no mystery why life insurance no medical has become so desired by term insurance buyers. They simply seek the easiest way to buy their policies. There is the occasional desperate person who tries to get over on the life insurance company but these individuals are wasting their time.

The well thinking people who have learned about these products find it a convenience to buy no physical life insurance. They don't want to be poked by a doctors needle or have to do urine tests. They are simply asked a few pointed questions the answers to which give the life insurance carriers sufficient information to work with.

20 or 30 years ago it would not be prudent to sell any type of life coverage in this manner to anyone but younger people. People, however are in better health today at older ages. Why? Medical science has advanced to such a level that enables otherwise terminal patients to life a longer and quite productive life.

The information age! Confirming information on an individuals health, occupation and avocations used to be quite a long and drawn out procedure and the cost was just too much. Today this information is at the fingertips of the underwriters, with the applicants permission of course.

As we move ahead who knows what advancements will become a part of every activity. At present here is what life insurance no medical is all about.

If you are between age 18 and age 65 you can acquire between $25,000 and $500,000 life insurance without having to do a physical exam. The policies offered are 10 year, 15 year, 20 year and 30 year term insurance. Once approved these policies are guaranteed renewable up until age 95 without any evidence of insurability.

It usually takes about 15 minutes to get an answer from the company and, if you qualify, you can print out your policy online.

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Author's Bio: 

For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable.

Donald's website is: Life Insurance Hub