online life insurance no medical exam

It is crucial to decide what type of policy you need, how many, for how long and how much coverage. This will help ensure that you have the right policy to protect your family and you in the event of an emergency.

As you age, your requirements for life insurance changes. Your children will likely be older and have their own lives. They don't require your financial support. Other debts may have been paid off, like your mortgage. Many people over 50 see life insurance differently than they did in their 20s and 30s.

These premiums are more expensive than those for traditional policies with a physical exam. Based on your evaluation, coverage may be limited to between $25,000 and $300,000. Your policy may provide coverage for either whole life or term life.

Personal reasons like being a driver, firefighter, or window washer may allow you to pursue no-medical exam life insurance. If you are a smoker or have a preexisting condition, you may be eligible for no-medical exam life insurance. Fear of needles may be a reason you want life insurance with no blood tests. Another option is to get life insurance without waiting. Like traditional life insurance, rates for younger applicants are usually lower.