My father needs life insurance and has some health problems.
He needs something with low monthly payments, but will provide enough if he has a natural death.
Life insurance plans that do not require a physical exam usually offer limited amounts of protection at higher than normal premiums.
And, sometimes people with a health condition may find lower rates by comparing plans and premiums from several insurers that do require a physical.
That being said, you do have options that may be available for your father to choose from for life insurance that does not require a physical exam.
Some plans are available for limits of life insurance from $10,000 up to $500,000 depending on the insurer, your father's age and health, and your budget.
One plan is offered by Globe Life Insurance that provides up to $30,000 of simplified life insurance with no medical exam for people age 78 and under.
Here's an article that reviews several leading plans for life insurance with no health exam required, just a few health questions.
You can review the plans and request free quotes for coverage for your father.
NOTE: Depending on the plan you choose, your father may need to own the life insurance policy for 1-2 years before full coverage is provided - keep this in mind and review the offers before making a choice.
Insurance without any Medical Exam,
Just a Few Health Questions.
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