Reader’s Question:

Hi. I’m from Dallas, Texas. I know it sounds stupid but I happen to have needle phobia, that’s why I hate going to hospitals. Because of this, I never tried to apply for a life insurance policy. I know I should get one because it’s all for my family but I’m really afraid to go through medical examinations! What should I do?

Lena

Dallas, Texas

No need to worry Lena!

It’s good that you acknowledge the fact that you do need to get life insurance, because you really do.
The thing is, you don’t have to worry about medical examinations because there are plenty of insurance companies that cater to clients who can’t get life insurances because of medical exams. These clients may have pre – existing medical conditions, may not have the time or may just simply be afraid of needles (in your case!).

These insurance policies are called no exam life insurance and a lot of insurance companies in Texas offer that. To plainly put it, it means getting life insurance without having to go through the trouble of medical examinations. This is applicable for people up to sixty – five years old.

It is of course a little more expensive than regular insurance policies, but paying extra should be worth it if you’ve been denied for life insurance lots of times due to medical exam results. One good thing that comes with the extra cost is that application process is really fast. All you have to do is fill up a questionnaire and you get your results in no time!

Although you don’t have to undergo physical examination, you will probably be asked a couple of questions about your health – so it’s wise not to cover anything up. If your insurance company finds out that you lied, then they might cancel your life insurance. Have fun and enjoy insurance shopping!