No exam life insurance policies are growing in popularity since the pandemic hit – when social distancing has made taking a medical exam a challenge. The whole idea of no exam life insurance is to offer a fast and simple way to get life insurance without having to take a medical exam.
According to Life Insurance Marketing and Research Association, 48% of Americans are less likely to buy life insurance if a medical exam is part of the application process.
Since this is a new kind of life policy, many people will need more information to make an educated decision.
We have compiled a list of the 20 blog topic ideas on no exam life insurance to get you started. The first half will be top-of-funnel topics while the rest are medium to bottom-of-funnel ideas. Let’s get started!
Top of the Funnel Topics
The first 10 topics below are mostly the top-of-funnel questions that people might ask during the early stage of their buyer’s journey.
Your prospects are not 100% sure what they are looking for. They tend to look for simple and direct answers.
They might be more interested to learn about how it works and whether or not this type of product is suitable for them.
Your goal as a sales representative/marketer is to be as helpful as possible.
1. Everything You Need to Know About No Exam Life Insurance
First thing first, let’s target the question at the very top of the funnel sales funnel. What you want to do here is to explain no exam life insurance in simple terms.
This blog post can cover everything anyone may want to know about no exam life insurance policies and the benefits they offer. From how it works, and restrictions to how much coverage you can get, we’ve got to out all the information a potential buyer may need in one place.
2. What Is No Exam Life Insurance and How Does It Work?
This topic will cover pretty much what you’ve said with the first one. Chances are someone who is in the early stage of their buyer journey may google this exact question.
And if you could provide the most helpful answer in your post, you will show up on the first page of the search results. How about that?
You may want to incline on explaining how can insurance companies underwrite this kind of policy without a medical exam. And you may also go over what does no exam insurance covers and not cover.
Also, it will be helpful to let your readers know the restrictions of these policies and who they are suitable for.
3. Should I Choose No Exam Life Insurance Over Tradition Life Insurance?
This is a typical comparison post.
A simple features comparison table will work best. If the simplified underwriting process, no requirement for a medical exam, and fast approval time are what your prospects are looking for, then it’s perfectly fine to be biased.
A lead-in paragraph may look like this:
You may choose no exam life insurance over traditional (with-exam) life insurance if you want to skip the medical exam, are not seeking a huge amount (e.g. over $1 million) of protection, need to get quick approval to secure a business loan, or have pre-existing conditions that would have disqualified you from with-exam life insurance.
4. 10 Myths and Misconceptions About No Exam Life Insurance
Even though no exam life insurance may seem pretty straightforward, there are some common misunderstandings about this type of insurance policy.
In this article, you’ll want to talk about some of the most common no exam life insurance myths and misconceptions. Myths examples may include:
- No exam life insurance is for people with health conditions only
- No exam life insurance is for senior people only
- No exam life insurance is for final expenses only
And what you want to do is to debunk these myths and give your prospect every good reason to consider buying no exam life policies.
5. Who Should Get No Exam Life Insurance And Who Should Not
Enough talking of the “what” and the “how” (does it work), here comes a post on the “who”.
No exam life insurance is ideal for people who want to get their coverage quickly without a medical exam. It can be an option for people with health issues that would have disqualified them from a traditional life policy.
The good news is, that it is also suitable for healthy people who work at risky jobs or have risky hobbies.
You can show your readers how they can use this type of life insurance policy to your advantage to get the protection they need fast and easily.
6. Can I Get Life Insurance With A Pre-Existing Condition?
This is a question on no exam life insurance in particular, but the answer to this question can be.
Think about this, someone must be interested to know what the options are by googling this question. And no exam life insurance is one of the tools that makes it easy for anyone with a pre-existing condition to get the coverage they need.
7. Can I Get Life Insurance if I Have Been Declined?
This one is another indirect way to sell your no exam life policy. The key takeaways could be:
What to do if my life insurance application is declined?
- Find out the reason why you were declined
- Review your case and look for the rights to appeal
- Look for alternatives if you’ve been rejected for life insurance
- Reach out to an insurance agent or independent broker
- Apply again for a different kind of policy
And obviously enough, no exam life insurance is the rescue.
8. Should I Get No Medical Exam Life Insurance If I’m Healthy?
Half of Americans want to skip the medical exam when buying life insurance. The whole idea of no medical exam is to make it easy for people to get their coverage. So it’s only a matter of which type of policies one could buy and how much should the coverage be.
Your best bet is to do your research. No medical exam policies are not always more expensive than the traditional ones that require a medical exam.
For example, an accelerated underwriting policy is literally term life insurance with a streamlined underwriting process. If your customer is healthy and falls within the eligible age limit, the rate will not be any higher than a traditional term life policy.
In a nutshell, no-exam life insurance is a quick and easy way to get covered for someone who is healthy and not seeking a huge coverage amount (e.g. over $1 million).
9. Best No Exam Life Insurance for Seniors in [State]
The state in the title can be the one you are selling in, or any state you want to target to. This SEO tactic makes it easier for your article to show up when people search within or for that location (near them).
You can start by explaining the benefits of having life insurance as a senior. Examples may include protecting loved ones or final expenses.
By the end, you want your readers to walk out with an idea of how much it will cost, which are the best carriers available in [State], and things they have to consider when buying either in person or online.
10. Buying No-Exam Life Insurance: 15 Questions You Need To Ask
More than half of Americans (53%) say they haven’t purchased (or purchased more) life insurance because they are unsure how much they need or what type to buy. (Source: Facts About Life 2021 LIMRA)
Listicles are always good and easy to digest. Some of the questions may look like:
- What are the main types of no-exam life insurance policies?
- What are the factors that will affect my (no-exam) life insurance premium?
- Will the premiums of my no-exam life insurance policy change over time?
- Can I buy no-exam life insurance on my parents?
- Can I buy no-exam life insurance if I have pre-existing conditions like cancer/diabetes/high blood pressure/high cholesterol?
- Does a no-exam life insurance policy provide cash value?
Moving from the top to the bottom of the funnel
Next up is the medium to bottom-of-funnel questions. They are ready to consume longer forms of content across a few different brands. Their goal is to get a better understanding of your brands, the products, pricing, and the service – to make an educated decision.
It’s important to win your prospects’ trust by showcasing your expertise in the insurance domain.
The key is to convince them that you and your brand are resourceful enough to help them solve their problems, and eventually save their time and money.
And here are another 10 topics that will serve these purposes:
11. Best No Exam Life Insurance for People Over 50 in [State]
12. Best No Exam Life Insurance for People Over 60 in [State]
13. Best No Exam Life Insurance for People Over 70 in [State]
14. Best No Exam Life Insurance for Young and Healthy People in [State]
15. Can I Buy a Life Insurance Policy on My Senior Mum or Dad?
16. Does No Exam Life Insurance Always Cost More?
17. What is Guaranteed Issued Life Insurance and Who Should Buy It?
18. What is Simplified Life Insurance and Who Should Buy It?
19. What is Accelerated Underwriting Life Insurance and Who Should Buy It?
20. How Much Does No Exam Life Insurance Cost?
Over to you
Just because these are supposed to be blog topics does not mean you can only write blog posts on them. In fact, some form of content works better in one stage or the other when it comes to a buyer’s journey.
Even if you’ve written a blog post, you can always maximize the content and repurpose it into a different form such as a video, a FAQ webpage, an email or etc.
If you want to learn want kind of content work best in the different stage of a buyer’s journey, read my post on: How to Close More Life Insurance Sale with a Customer Journey Map?
