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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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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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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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life insurance companies no medical exam

There are two types if life insurance policies that do not require medical exams. A no-exam, guaranteed or simplified life insurance policy might be the best option for you.

While many companies will advertise these policies through the media, it's important to tread carefully before you jump on board. Life insurance is a good example. Because there are at least six types of no-exam life insurance.

No medical exam life insurance may be pursued if you have a personal reason such as a dangerous occupation (firefighter or window washer, construction worker, racecar drivers, etc.). You may also be a smoker or have a pre-existing medical condition. Life insurance without a blood test is possible if you have a fear of needles. You may also want life insurance without waiting periods and no hassle. Younger applicants are generally eligible for lower rates than traditional life insurance.

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No whole or term insurance policies with medical exam coverage are available. The death benefits for whole life coverage are generally limited to $50,000 or lower -- this is tenfold less than what's typical for term life benefits. If an insurer doesn't offer coverage for medical exam with a higher benefit, it usually means that the medical test is dependent upon your answers to health question.

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life insurance no medical exam for seniors

When it first became available, no exam life insurance was very expensive. A growing number of companies have started offering no exam policies. The cost of your exam has been significantly reduced by competition.

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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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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.