My niece who lives in Albany, New York wanted to know: “what is life insurance, no medical exam”.

Albany, New York is the capital of the State of New York. Albany is built on the site of the Dutch Fort Orange and its surrounding community of Beverwyck. The economy in Albany, New York is heavily dependent on the state government, and most of Albany’s population is employed by various state departments and legislators. The Tulip Festival is set in Albany’s Washington Park. This traditional Albany event marks the beginning of spring as thousands of tulips look in the Park in early May.

Answer: Life insurance no medical exam is a type of life insurance coverage that does not require a physical exam, blood tests, or urine tests in order to qualify for a policy.

This type of life insurance is usually referred to as simplified life insurance, because the application process is short, you answer some health-related questions and the insurance company quickly decides if you meet their guidelines for approval.

Many times this type of coverage is offered online and you can start your policy the same day if you qualify for coverage.

However, the rates for these types of policies may be higher than what other carriers may charge, because the carrier may accept some people who would not qualify through companies that require a physical exam.

So it is wise to get a few quotes and make a comparison before you decide to buy no exam life insurance.