What Life Insurance Companies Don't Require A Physical Exam?

What life insurance companies don't require you to take a physical exam to qualify for coverage?

My mother needs to get life insurance, but doesn't want to get a physical exam.

Are there any life insurance companies out there that you don't need to get an exam to buy a policy?

Yes, there are insurance companies that do not require a physical.

However, the premium may be higher than if you get life insurance from an insurer requiring a medical exam.

Also, the amount of life insurance available may be less than offered by a carrier requiring a physical.

However, the following insurance companies may offer life insurance without any medical exam:

Liberty Life Insurance Company, RBC Insurance, Gerber Life, Stonebridge Life, Garden State Life, HSBC, and Globe Life and Accident Insurance Company.

Life insurance companies no exams required offer a simplified life insurance application, usually requiring only a few health questions, and no physical, no blood or urine tests.

Each carrier has their own set of underwriting guidelines as to who they will accept based on age, health, and other factors.

That's why you may want to compare plans and prices from a few insurers before choosing a policy.

Here's an article with reviews of life insurance no medical exam companies to help you learn more and choose a policy that meets your needs.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





Disclosure: Compensated Affiliate

Life Insurance Companies No Exams

What life insurance companies offer life insurance with no medical exams required?

The answer depends on your life insurance needs.

Many life insurance companies will not require you to take a medical exam if you are purchasing less than $100,000 of life insurance, or you are under a certain age.

However, there are several life insurers that do offer no medical exam life insurance, including HSBC, Liberty Life Insurance, Garden State Life, Gerber Insurance, Mutual of Omaha, Stonebridge Life, and Globe Life and Accident Insurance Company, among others.

When comparing plans for no exam life insurance make sure you consider the amount of coverage you need, what you can afford to pay, and the financial strength rating of the insurance company.

Also, make sure you determine of the coverage is "Graded Benefit", which means you do not have full coverage until you have owned the policy for 1-2 years, depending on your life insurance policy.

Here's an article that reviews life insurance companies no exams required to help you better understand your choices.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.