醫療人壽保險如何工作？
醫療人壽保險如何工作？
 To purchase a No Exam life insurance policy, you first must fill out the application. This can be done by paper or done together with your agent on the phone. If the latter, you will get a link by email that allows you to sign the application digitally. No Exam life insurance policies usually ask you for payment information on the application. That way they can draft the first premium from your checking account or credit card immediately upon approval, which allows the policy to go into effect much faster. Some No Exam life insurance policies do not look at medical records, and those policies can go into effect in hours. Some No Exam companies reserve the right to look at medical records. If they do order records, the process will take longer, but still not usually as long as a policy requiring an exam.
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