Can a former inmate who has his life together now get term life insurance with no medical exam?
Can a former inmate who has his life together now get term life insurance with no medical exam?
Professional Opinions Please. And if so, do you know of any companies?
Best answer:
Answer by mbrcatz
You don’t get term policies in any decent amount of coverage, without a medical exam. All those “no medical exam” policies are whole life, low payout ($ 10,000) policies, and you have to live and pay in, at least two full years before dying, before they’ll pay out.
That’s because most people looking for no medical exam coverage, are seriously ill.
A few companies that do no medical exam policies, are Mutual of Omaha, and Globe Life. I don’t believe that felony would be a dealkiller, since you’re no longer in prison.
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Medical exam for insurance is necessary whatever the case may be.
the car company AAA sells life insurance without a physical. they do want to know what medications you take. i’m sure if you take a few pills they might want a physical then.
they won’t care about being a former inmate, what they care about is if you are sick.
don’t try to lie either, if you do when you die they will only pay the premiums you paid not the amount you signed up for.
for example, if you said you didn’t smoke, and at the time of your death they find out you did.
well if you took out 100K insurance. all your family gets is what you paid in, not one penny more.