types life insurance ask medical questions advice law advice insurance advice community law advice case evaluation ask lawyer amp legal topics legal topics accident law bankruptcy law business law criminal law employment labor law estate planning family law financial law general practice government law immigration law insurance law intellectual property litigation malpractice law personal injury real estate law tax law small claims admiralty maritime aviation law insurance law topics insurance law topics insurance law basicsauto insurancebusiness insurancelong term caredisability insurancehealth insuranceinsurance bad faith life insurance lawproperty insuranceviaticals advice law advice insurance law life insurance law current people try types life insurance ask medical questions kinds written freeadvice staff life insurance claim denied delayed case evaluation call group insurance employers provide group life insurance employees fringe benefit large firms done individual underwriting insurers base assessment ages health history employee population assume reasonably healthy people working people insurance secondary employment reducing potential adverse selection employee increase amount particularly cafeteria plans usually enrollment window annual election time credit life insurance finance car credit card banks finance companies card issuers love sell optional insurance outstanding balance earn huge commissions optional credit life insurance reasonably expensive dollar dollar compared regular life insurance health questions asked ill possible option car finance take optional life coverage certain plans senior insurance advertised mail claim underwriting refused plans called modified life companies stupid catch death benefit death occurs years policies typically issued reasonably low face amounts companies issuing charge price dollar coverage high compared ordinary life insurance hope sick sign die years money fact convenience attracts people relatively healthy realize lower cost alternatives healthy people life insurance claim denied delayed case evaluation call view related types life insurance articles view faq insurance legal topics insurance attorney ask lawyer looking social read articlessome people try types life insurance ask medical questions hellip group life insurance cover individual life insurance select practice area adoption support amp child custody arbitration aviation maritime amp boat accident banking bankruptcy business car accident civil rights amp ada collection construction contract copyright ip amp trademark criminal dui dwi divorce education law elder law employment environmental estate planning franchise general practice government healthcare nursing abuse immigration insurance international juvenile landlord tenant legal malpractice lemon law libel amp slander litigation medical malpractice military patent pensions amp benefit personal injury product liability railroad accident real estate securities sexual harassment small claims social security disability sports amp entertainment tax technology amp internet wills amp probate worker compensation wrongful death topics select state alabama alaska arizona arkansas california colorado connecticut delaware district columbia florida georgia hawaii idaho illinois indiana iowa kansas kentucky louisiana maine maryland massachusetts michigan minnesota mississippi missouri montana nebraska nevada hampshire jersey mexico york north carolina north dakota ohio oklahoma oregon pennsylvania puerto rico rhode island south carolina south dakota tennessee texas virgin islands utah vermont virginia washington west virginia wisconsin wyoming life insurance law general life insurance questionslife insurance articlesbeneficiarieslife insurance bad faithcancellationeligibilitydeath claimsgovernment regulationtracking missing policy benefitstypes life
What types of life insurance don't ask medical questions Free Advice Law Advice Insurance Advice Community Law Advice Free Case Evaluation Ask a Lawyer Q amp A Legal Topics All Legal Topics Accident Law Bankruptcy Law Business Law Criminal Law Employment Labor Law Estate Planning Family Law Financial Law General Practice Government Law Immigration Law Insurance Law Intellectual Property Litigation Malpractice Law Personal Injury Real Estate Law Tax Law Small Claims Admiralty Maritime Aviation Law Insurance Law Topics All Insurance Law Topics Insurance Law BasicsAuto InsuranceBusiness InsuranceLong Term CareDisability InsuranceHealth InsuranceInsurance Bad Faith Life Insurance LawProperty InsuranceViaticals Free Advice Law Advice Insurance Law Life Insurance Law Current Page Some people try to buy types of life insurance that does not ask any medical questions What kinds are those Written by FreeAdvice Staff Life Insurance Claim Denied or Delayed Click here for a FREE Case Evaluation or call Group insurance Often employers provide group life insurance to their employees as a fringe benefit At large firms this is done without any individual underwriting as the insurers base their assessment on the ages and health history of the overall employee population assume that only reasonably healthy people are working and as to new people that insurance is secondary to employment thus reducing potential adverse selection Sometimes an employee can increase the amount particularly on cafeteria plans usually during an enrollment window at the annual election time Credit life insurance If you finance a new car or have a credit card the banks finance companies and card issuers love to sell optional insurance on the outstanding balance They earn huge commissions on it While that optional credit life insurance is reasonably expensive dollar for dollar compared to regular life insurance as there are no health questions asked this is for someone ill a possible option Perhaps he should buy a new car finance it and take the optional life coverage There are certain plans of senior insurance that are advertised on TV and by mail that claim to do no underwriting at all You can not be refused The plans sometimes are called modified life But these companies are not that stupid either What's the catch There is NO death benefit if the death occurs within years and the policies are typically issued only for reasonably low face amounts The companies issuing this also charge a price per dollar of coverage that is very high compared to ordinary life insurance They also hope that those who are sick and sign up die within the years and they make their money on the fact that its convenience attracts many people who are relatively healthy and don't realize there are lower cost alternatives for healthy people Life Insurance Claim Denied or Delayed Click here for a FREE Case Evaluation or call View Related Types of Life Insurance Articles View the Next FAQ Insurance Homepage All Legal Topics Find a Insurance Attorney Ask a Lawyer Didn't find what you were looking for Make it Social Must Read ArticlesSome people try to buy types of life insurance that does not ask any medical questions What hellip What does group life insurance cover What is individual life insurance Select Practice Area Adoption Support amp Child Custody Arbitration Aviation Maritime amp Boat Accident Banking Bankruptcy Business Car Accident Civil Rights amp ADA Collection Construction Contract Copyright IP amp Trademark Criminal DUI DWI Divorce Education Law Elder Law Employment Environmental Estate Planning Franchise General Practice Government Healthcare Nursing Home Abuse Immigration Insurance International Juvenile Landlord Tenant Legal Malpractice Lemon Law Libel amp Slander Litigation Medical Malpractice Military Patent Pensions amp Benefit Personal Injury Product Liability Railroad Accident Real Estate Securities Sexual Harassment Small Claims Social Security Disability Sports amp Entertainment Tax Technology amp Internet Wills amp Probate Worker Compensation Wrongful Death Other Topics Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas US Virgin Islands Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Life Insurance Law General Life Insurance QuestionsLife Insurance ArticlesBeneficiariesLife Insurance Bad FaithCancellationEligibilityDeath ClaimsGovernment RegulationTracking Down Missing Policy and BenefitsTypes of Life Insurance