Only a few life insurance companies offer life insurance policies that do not require an exam. Many of these companies have a low benefit ceiling. This means that you have a very limited amount of money available.
Some life insurance policies do not require a medical exam. Learn about your options for affordable, no-exam coverage that is fast and easy.
No medical exam life insurance -- simplified option -- provides coverage without the need for physicals, blood tests, or urine tests. If you have pre-existing conditions or need coverage quickly, it is possible to get simplified issue life insurance. A simplified issue of term life insurance is a cost-effective and convenient option.
You can quickly get life insurance without having to go through a medical exam. You may be more likely than others to receive coverage because the application process is fast and simple. This could enable you to obtain coverage that you might not otherwise be eligible for (e.g., if your occupation is a construction worker or firefighter, driver of a racing car, etc.). However, a policy that does not require a medical exam can increase your premium and decrease your coverage.
A majority of life insurance policies require a medical examination, including term life insurance. This allows the insurance company to accurately assess your risk and determine your premium. Life insurance may be out of reach for you if your medical condition is severe.
.jpg)
People who just had children often use life insurance to protect their financial future. They want their children and spouse to live the same lifestyle they expect.
The price of life insurance without a medical exam will depend on which type you select. The premiums for life insurance policies such as whole life and guaranteed issue will be higher than those for term life policies, which cannot accrue cash value. The coverage you receive will affect the cost of no-exam life insurance. Get a quote or speak to an agent to find out how much you will pay for no medical exam life insurance.
We can help you no matter where you are at this stage of your life.
For personal reasons such as being a firefighter, window washer or construction worker, you may not need to have a medical exam for life insurance. Smoking, pre-existing conditions or being a smoker are all reasons to not have life insurance with no medical exam. You may be afraid of needles and want life insurance that doesn't require a blood test. There are two options: you can choose no-hassle insurance that does not require waiting. Lower rates are available for younger applicants than traditional life insurance.
Some life insurance policies do not require a medical exam. Find out about the options available for low-cost, easy-to-understand coverage.
It can be hard to find affordable life insurance. However, understanding your options is the first step towards finding the right policy.
Different companies have different requirements in terms of ages and health. In most cases, you will need only to answer a few questions. All insurance companies will review databases such as the Medical Information Board or the Prescription Rx data and your state DMV.
We compared over a dozen life insurance companies to find the best. We focused on features like maximum issue age, no medical-exam policy options and available riders. Financial strength and customer satisfaction ratings.
The term is no exam life insurance
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.