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Certain life insurance policies may not require a physical exam. Get fast, affordable coverage without a medical exam.

Some insurance companies offer life insurance that does not require a medical examination. This is usually guaranteed-issue or simplified-issue policies. Life insurance coverage typically requires a medical exam. This usually includes a physical examination and blood tests. However, life insurance that doesn't require a medical examination allows you to get coverage without any exam. It is possible to get a term or permanent insurance policy without a medical examination, although this type of coverage can be more costly than ones that require one.

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No matter your stage in life, we have a term-life insurance policy that will meet your needs.

Life insurance can be used to provide for a new family. They want to be able to support their spouses and children in the way they have become accustomed to.

As you get older, most life insurance companies will charge higher monthly premiums. While there are many reasons, most people experience more health issues after they turn 50. About 75 percent of Americans over 50 use prescription drugs at least once a week.

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Yes, some insurers provide no-medical exam life insurance. This is often guaranteed issue or simplified issues policies. Life insurance coverage generally requires a medical evaluation, including a blood and physical test. Instead, life insurance with no exam can be applied for without a medical exam. A permanent or term policy that does not require a medical exam may be possible. However, it can be much more expensive than one that requires one.

However, once you reach 50, things will change.

There are two types of life insurance policies that don't require a medical exam. You and your family may choose a no-exam policy. This policy can be either a guaranteed issue or simplified issue.

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A great alternative for those who can't wait to see a doctor, don't like needles or have limited time.

When you think of getting life insurance, it is important to consider what you would like from the policy. You want to leave your loved ones a cash inheritance or make sure they pay for your final expenses.

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To obtain a simplified issue policy, please complete the questionnaire regarding your medical history and health. Access to your medical records is required. Your answers to the questionnaire and any medical records will suffice.

There are some things you will need to remember when you get life insurance after you turn 50. Premiums for life insurance increase as you age. This means that the rates you pay will go up the longer it takes to get one. You might also have restrictions on the type of policies that you can get if your pre-existing health conditions are present.

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It can be difficult to find affordable life coverage. Understanding your options is the first step toward finding the right policy.

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No exam life insurance can be a great option for those who don't want to wait, aren't able to go to the doctor or hate needles.

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Frequently Asked Questions

Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.

Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.

Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.