Great “No Medical Exam” Life Insurance Options for Apri Users!

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You may also want to read our article Top 10 Life Insurance Companies and Top 10 Life Insurance No Exam Companies

It might seem silly to write an article about whether or not taking Apri will effect one’s life insurance application, but the truth is, we’ve been asked the question before, so, you got to think, if one person has had that question, someone else must be wondering about it too!

So does taking Apri have any effect on the outcome of your life insurance application?

Short answer:  No.  Using Apri is not going to affect your life insurance application.

Why do you ask?

The main reason why people ask questions like “Will taking Apri effect my life insurance application is not because they think Apri is a harmful medication, rather it’s because in general, most people don’t really know all that much about the process of buying life insurance.

After all, buying life insurance isn’t like buying car insurance, home insurance, cable TV or a cell phone.  Life insurance is actually something that you have to be able to qualify for.  It’s something that you may even have to give a blood and urine sample just to be able to have a chance to purchase it!

“What other product do you literally have to give blood in order to purchase it?”

So let’s shed some light on what a life insurance company is going to look at when it comes to purchasing life insurance.

Common Life Insurance Application Questions:

Health related questions:

  1. Age.
  2. Height and weight.
  3. Do you have any pre-existing conditions?
  4. Have you ever been diagnosed with cancer, heart disease, stroke, or diabetes?
  5. Are you currently taking any prescription medications?
  6. In the past 12 months have you used any tobacco or nicotine products?
  7. Has anyone in your immediate family (mother, father, brother, sister) ever suffered from cancer, heart disease, stroke or diabetes?

Lifestyle related questions:

  1. Do you have multiple driving violations, accidents or a DUI on your driving record?
  2. Have you ever declared bankruptcy?
  3. Do you have any felonies or misdemeanors on your record?
  4. Do you have any existing plans to travel outside the United States in the next 2 years?
  5. Do you have a dangerous occupation?
  6. Do you anticipate participating in any dangerous hobbies (mountain climbing, sky diving, bungie jumping etc.) in the next 2 years.

Now these questions combined with the results of your medical exam will typically be used to determine if you’ll be eligible for coverage as well what rate class you’ll qualify for.  Now for most, these questions will be pretty simple to answer and the basic medical exam is nothing to worry about regardless of whether your applying for a traditional term life insurance policy or a whole life insurance policy.

However, there will be some that for whatever reason, be it family medical history or a passion for bull riding, may find that they’re suddenly no longer the ideal candidate for life insurance.  For these folks, we would like to point out the importance of working with a life insurance brokerage that has dozens of different life insurance companies to choose from.

In fact, having dozens of options to choose from can also really make a difference for those who are supper healthy.  After all, wouldn’t it be nice to go through the generic application process and then compare what rates you might be eligible for if you decide to move forward with a medical exam vs “skipping” the whole medical exam process and instead choose to apply for a term or whole life insurance policy that won’t require a medical exam!  We refer to these “types” of life insurance policies as no medical exam life insurance policies or simplified issue life insurance policies and can be a great option for healthy applicants.

So what are you waiting for?  Just give us a call today and see what we can do for you!

Lastly you may also be interested in taking a look at our Life Insurance Quotes page where you can compare life insurance quote from companies that will require a medical exam vs companies that won’t require a medical exam side by side!

And since we still have your attention…

It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.

But what happens if you get sick but don’t die?

Is your family’s financial future still protected?  Probably not.  Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.