07 July, 2021

You don't* need a medical test for Life Insurance

- Pallavi Shastry

You don't* need a medical test for Life Insurance

The most important factors that determine the cost and kind of life insurance policy you can get are age and health. You are most likely to be in good health in your younger days – 35 and under, let’s say. That’s why the younger you are, the more affordable your life insurance can be. With a good health record and age on your side, you can very well lock in a low premium for the rest of your life. At the same time, if you are young and healthy, life insurance companies do not need to carry out intrusive, messy tests to determine if you are healthy enough to qualify for a policy. Just a few questions usually suffice. Not many people, especially young people, are aware of this fact. Buying insurance has always had the bad rep of being a long, worn out, and expensive process with too many people to talk to and too many hoops to jump through - and yes, a medical test at the end of it all.

Being in the digital age has proven to be a blessing. Insurance buying has become a less complicated and more affordable process. At Bubble, that’s exactly what we’re doing to help every single one of you get the right Life Insurance policy - at the right age, at the right time.

![Probability to no health test.png](/uploads/Probability_to_no_health_test_b37a6a01e8.png)

The above graph shoots it straight – life insurance gets more expensive and difficult to buy with age. The younger you are, the cheaper it is. And the probability of needing a medical test done is negligible. With an enjoyable user experience, ease of purchase, and no medical test there isn’t really a reason or excuse why you shouldn’t buy life insurance before you’re 30. It’s one of the best things you can do for yourself and your loved ones when you’re young and healthy.

By [eliminating medical tests](https://www.forbes.com/advisor/life-insurance/no-exam/), life insurance becomes more affordable, convenient, and quickly issued to you.

When you’re 30 or under, you are more likely to be in good health than say when you’re 33 even. And your premium might easily jump from $10 to $30. Of course, there are other factors like whether you’re a smoker or not and other such. This is why getting something like life insurance out of the way as early as you possibly can is the best advice you can get.

If you want a reminder of why you need life insurance, here it is. Your family’s financial future.

Life is short. Don’t let important life decisions fall short too.