He is 37 and smokes and he's overweight.
Also, Can you buy a lot of small policies without having to have a physical?
There are life insurance companies that specialize in term life insurance for smokers which may offer more competitive rates for life insurance on your husband.
Also, there are several life insurance companies that now offer no exam life insurance on the internet.
Some life insurance carriers offer smaller amounts of life insurance with no medical exam, like Globe Life which offers up to $30,000 of simplified life insurance with no exam for people age 78 and under.
In addition, there are other insurers that offer up to $500,000 of term life insurance no exam required, just a few health questions. Coverage with no exam required is usually term life insurance for a period of 10, 15, 20, or 30 years of coverage.
Insurance without any Medical Exam,
Just a Few Health Questions.
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