Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.

Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.

Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction). 

Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical test life insurance worthwhile. 

If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect. 

No medical test life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.

Types of no-exam life insurance policies to know

The first step in getting no-medical test insurance is deciding what kind is right for you. Here are four main types

• Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
• Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical test and certain a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
• Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
• Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.

If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.

Finding a provider for no-exam life insurance

Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you. 

From there: 

• Shop around for several quotes. Coverage and premiums can vary widely. 
• If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
• If you are working, check to see if your employer is offering group life insurance.
• Consider whether a whole life or term life type of policy is right for your circumstances.
• Seek out customer reviews and complaints to review.  

Filling out the application

Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:

• Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports. 
• Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey). 
• A request for financial information such as income and credit history.
• A request letter from your primary care doctor about your health.

Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking. 

Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.

Get started now and see what you can qualify for!

JEE Mains 2023 test Dates: The wait for the release of JEE Mains 2023 test notification may be over soon. It is expected that the National Testing Agency, NTA may soon announce the test and notification dates for Joint Entrance Examination, JEE Main 2023.

According to media reports, the test dates can be announced in the first week of December 2022. However, the apex agency has yet not given any confirmation in this regard. Once the dates are announced, the candidates will be able to register themselves for the test through the web portal of NTA –  jeemain.nta.nic.in 2023

Twitter is flooded with the students’ demands for conducting JEE mains 2023 in April under the hashtag #jeemaininapril. Earlier, the fact checking team of the Press Information Bureau (PIB) Verified on November 17 that a notice circulating on the internet regarding the online registration process was a scam. 

Prior to the NTA announcing the official registration details, we have made a list of frequently asked questions that may solve all of your queries.

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JEE Mains 2023 Exam: Eligibility

To appear in this exam,  the candidate must be at least 12th passed or equivalent. There is no age limit for the candidate to appear in this exam. The candidate should note that they would have to fulfill the eligibility criteria for the institute they are taking admission to. 

How to register for the JEE Mains 2023 Exam?

To register for the above exam, the candidate will have to follow the easy steps given below.

• Visit the official website of NTA –  jeemain.nta.nic.in.
• Click on the notification link that reads ‘ JEE Main 2023’, and enter your details and register
• While registering for the exam, the candidates will receive an OTP on their mobile number
• Fill up the application form carefully and remit the application fee
• Take a printout of the application form after final online submission of application

How many times will the NTA conduct the JEE Mains test in 2023?

As of now, the National Testing Agency has not confirmed the details on JEE Mains test 2023. 

In 2022, the apex agency conducted the test two times to avoid the number of dropouts. This year, the agency gave students a chance to Boost their marks. For example – if a candidate was unhappy with his marks in his first attempt, then, he was eligible to appear in the second test of JEE mains 2022. Also, if a candidate missed a chance to appear in the test for the first time, then, they were allowed to appear in the second attempt without waiting for the whole year. 

What is the test pattern for the JEE Mains test in 2023?

According to the previous year’s notification, there were two papers – Paper – 1, and 2 and questions were asked in Multiple Choice Questions format. 

Paper 1 for B.E. and B.Arch – It was a computer based test based on Physics, Chemistry, Mathematics subjects.  

Paper 2 for B.Arch – this paper had three parts – Mathematics, Aptitude and Drawing. Mathematics and Aptitude were conducted in CBT mode while drawing was conducted in offline mode. 

Paper 2 B for Planning- it also had three sections – Mathematics, Aptitude and Planning based questions. 

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JEE Main 2023 Registration Latest Update: Once the JEE Main 2023 registration portal is open, engineering aspirants can fill up the JEE MAIN 2023 application form by visiting the official website at jeemain.nta.nic.in 2023.

JEE Main 2023 Registration Latest Update: The National Testing Agency (NTA), the administering body of the Joint Entrance Examinations (JEE) will announce the JEE Main dates for the 2023 examination. Once the JEE Main 2023 registration portal is open, engineering aspirants can fill up the JEE MAIN 2023 application form by visiting the official website at jeemain.nta.nic.in 2023. The JEE Main 2023 application process will comprise steps including registration, application, image upload, and payment. NTA is expected to release the JEE Main 2023 registration in November 2022.

As per reports, the JEE Main 2023 is likely to be conducted twice this year – January and April 2023. Reports suggest the JEE Main 2023 registration will commence in the third week of November. The entrance examination is likely to be conducted in January and April. One can check the important dates and other details here.

JEE MAIN 2023 Registration EXPLAINED

The JEE Main 2023 application process includes five steps:

1. Basic Registrations
2. Application Form Filling
3. Document Uploading
4. Fee Payment
5. Submission of the application form.

JEE Main 2023 Registration: Step By Step Guide to Fill Application Form 

1. Visit the official website of Joint Entrance Examinations at jeemain.nta.nic.in.
2. Look for the JEE Main 2023 registration link.
3. Register yourself by providing the necessary details.
4. Fill up the online application. Upload the essential documents.
5. Upload scanned images of the photograph and signature in the format specified.
6. Pay the application fee. Submit the application form
7. Download the application form and take a printout of it for future reference.

JEE MAIN 2023 TENTATIVE SCHEDULE

JEE MAIN 2023 Eligibility Criteria

• Candidates with a 10+2 pass certificate or pursuing this year can apply for JEE Main examination.
• Candidates who have passed the 10+2 (Class 12) board examination or pursuing this year with Physics and Mathematics as mandatory subjects along with Chemistry and Biology are eligible to appear for the JEE Main test 2023.
• Students aspiring to appear in JEE Main 2023 must ensure their eligibility before filling up the JEE Main application form. The detailed Information Bulletin containing details of the examination, syllabus, languages, eligibility criteria, examination fee, examination cities, and important dates will be available on JEE Main’s official website soon.

JEE Main 2023 Registration: All You Need to Know

WHY IS JEE MAIN 2023 EXAMINATION CONDUCTED?

• The National Testing Agency (NTA) administers the JEE Main examination to candidates seeking admission to BTech and BArch programmes at Indian Institutes of Technology (IITs), National Institutes of Technology (NITs), Indian Institutes of Engineering Science and Technology (IIEST), Indian Institutes of Information Technology (IIITs), and Other-Government Funded Technical Institutes (Other-GFTIs).

JEE MAIN 2022 Exam: Check Details Here

Last year, NTA conducted the JEE Main test in two sessions. The first session was held from June 20 till June 29, 2022. Meanwhile, the second session test was held between July 21 to July 30, 2022. Please keep a note that the dates as mentioned above are tentative, therefore, and eligible JEE candidates are advised to keep an eye on the official website of NTA, nta.ac.in, jeemain.nta.nic.in for all the latest updates regarding JEE Main 2023.

We scored companies based on these measurements:

Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.

Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.

Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.

Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness

Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.

Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.

Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.

Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.

The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.

Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.

JEE Main 2023: Zeal can be seen in the science students who are waiting for the Joint Entrance Examination 2023 to conduct. JEE Main organized by National Testing Agency is one of the most famous but arduous exams in India. Every year, nearly 10 lakh students apply and appear for this examination. For the upcoming year, NTA may soon announce the schedule for this test. It is expected that NTA can make a big announcement regarding JEE Main 2023 by the end of this month. Students who want to pursue B.Tech, B.E, B. Arch and B.Plan courses can apply for this test on the official website of NTA i,e. jeemain.nta.nic.in. 

As per the reports, NTA can conduct this examination in two sessions. The first session can be conducted in the month of January before the board exams and the second session can be held in April 2023 after the board exams. 

Who can apply for JEE Main 2023?

According to past trends, JEE Main preparation needs a lot of hard work. Students who qualified for the 12th standard last year and this year can apply for the examination. The students who are in class 12th this year are also eligible to appear for this examination. According to the reports, there is no age limit for the students to apply and appear for the examination. 

What will be the mode for JEE Main 2023?

For the past few years, the JEE Main and Advance examinations are held in Computer-based test (CBT)mode. 

Syllabus for JEE Main 2023:

For Paper- 1 which is for B.E and B.tech courses, questions from physics, chemistry and mathematics are asked. For B.Arch and B.Plan, students should prepare for mathematics, aptitude and drawing/planning. For more clarity, NTA will release the syllabus as per new trends. 

Session 1 or Session 2, what marks will be considered?

Don't get confused between session 1 and 2 examinations. Your highest marks in either of the two sessions will be considered for the next round. 

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