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Would you buy life insurance with no medical exam, or would you rather take a physical?

Several life insurance companies like Garden State, Globe and RBC offer these types of policies - some of these are reviewed at http://www.term-life-online.com/life-insurance-no-medical-exams.html It seems like it would be quicker and easier, but the cost may be higher, and the coverage amount is limited to about $250,000. Wondering if people would rather not have to hassle with a physical exam.

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