Has anyone found an affordable life insurance with no health exam?

My father needs life insurance and has health problems.

He needs something with low monthly payments, but will provide enough if he has a natural death.

Most of the time, with Term Life Insurance, you can get a reasonable sized life insurance policy with no health exam required.

It all depends on what state you're in, but its always true that term insurance will get you a much higher payout for a much lower fee than permanent life insurance.

For term life insurance there's no payout if you don't die within the term you choose.

There are no exam life insurance plans available. The type and amount of coverage available will vary by insurance company, and your age and health.

For instance, Globe Life Insurance offers people age 78 and under up to $30,000 of simplified life insurance with no medical exam.

In addition, there are other life insurance no health exam plans available that may offer higher amounts of coverage depending on your father's health and age.

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

What are some good life insurance company that require no exams?

There are several life insurance companies that offer life insurance without any medical exam required.

However, you will usually have to answer a few health questions for the insurance company to determine if you qualify for a policy.

Among some of the leading life insurance carriers offering no exam life insurance are the following:

American Life Policy - Offers you up to $500,000 of term life insurance with no physical exam needed, just a few health questions. You can apply online in just minutes.

RBC Express Term - Offers you up to $250,000 of term life insurance without any medical exam, just a few health questions. You can get a quote, apply online, and find out (usually within 15 minutes) if you qualify for your life insurance policy. Once approved, you can start your life insurance the same day.

Globe Life Insurance - Offers people age 78 and under up to $30,000 of simplified life insurance with no medical exam. Globe life has more than 2.5 million policyholders. You can apply online in just minutes.

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

Age Limit on No Exam Life Insurance?

Is there an age limit on life insurance with no medical exam required?

The answer depends on the life insurance company and your own individual factors, such as your health.

There are several life insurance companies that offer no exam life insurance policies.

Each life insurer has their own set of guidelines and restrictions for who they will accept for coverage, depending on underwriting factors such as your age, health, if you smoke, your weight, etc.

Some no exam life insurance plans offer guaranteed acceptance which means the limits of coverage offered may be low, but the age restrictions may be for people ages 50-85, possibly.

Other life insurance companies may offer term life insurance no exam for people age 65 and under, and the amount of coverage may be offered for 10, 15, 20 or 30 years. The amount of coverage offered may be based on the age you are when you purchase the coverage, with lower limits available for older persons.

In addition, there may be accidental death insurance plans available for people of differing ages, perhaps from age 18 to 70. Accidental death coverage usually offers higher limits of life insurance and a lower premium, because you must die as a result of an accident for coverage to pay out.

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

How Does Life Insurance with No Exam Work?

What is no exam life insurance, and how does it work?

No exam life insurance is life insurance protection that does not require you to take any physical exam when you apply for coverage.

Usually, if you are applying for $100,000 or more of life insurance you may be required to take a physical exam, blood and urine tests, depending on your age, answers to the application questions, and the insurance company.

Each life insurance carrier has their own set of underwriting guidelines for applicants for life insurance.

However, do to technological advancements, the internet, and the need for life insurers to be more competitive, there are now available life insurance policies that do not require you to take a medical exam.

No exam life insurance plans may be available for term life insurance coverage that offers life insurance for a set number of years. Some no exam plans offer term insurance for a period of 10, 15, 20, or 30 years, depending on your age and health.

Learn more about life insurance with no medical exam required and compare plans and rates online today.

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

Age Limit on Life Insurance with No Exam?

Is there an age limit on no exam life insurance policies?

Yes, there may be age limits that apply to life insurance plans with no medical exam required.

The age limits may vary by life insurance company.

Some insurers may limit the amount of coverage available, the term of your policy (10, 15, 20, or 30 years), and the age up to which you may purchase the life insurance plan.

Some insurers limit the age to 85, others at age 78 and under, and some insurers that offer higher amounts of coverage may limit the age to 65 or 60 years old.

However, the age limit may depend on the term of the policy. For instance, some people may be able to purchase a 20 year term policy with no exam at age 50, while others may be able to purchase a 10 year term policy at age 60.

Here's a review of some life insurance no medical exam plans for you to learn more about your options.

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

Life Insurance No Medical Exam - Pros and Cons

What are the pros and cons of life insurance with no medical exam required?

There are several advantages to purchasing life insurance with no exam required, including

1. Up to $500,000 of life insurance with no physical, just a few health questions.

2. Instant approval if you qualify.

3. Same day coverage once approved.

4. No need to meet with an agent.

5. No delays or hassles.

However, there are some drawbacks to buying no exam life insurance, including:

1. The amount of coverage available may be limited to $500,000 or less.

2. The rate you pay may be higher than rates for life insurance that does require a medical exam.

Why do people choose no exam life insurance?

Some consumers don't want to wait 6-8 weeks to get their life insurance policy.

Others just don't like high-pressure insurance agents.

Or, maybe you just want life insurance today, or don't like needles or medical exams.

Whatever your reason, no exam life insurance offers you the opportunity to qualify for up to $500,000 of term life insurance with no exam required, just a few health questions.

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

What Life Insurance Factors Cause Denial of Coverage?

The fact is not everyone qualifies for life insurance coverage.

Although many of us try to purchase life insurance, and even more really need life insurance, not everyone can buy coverage.

Why? Because life insurers are out to make money. So, they want to insure people who have the chance of living a long life, and paying premiums for a number of years.

How do life insurers decide who to insure? They consider several factors they use in underwriting the risk of someone dying within a certain time period.

Some of these underwriting factors for life insurance include:

Your age, gender, health, family health history, height-to-weight ratio, occupation, hobbies, medication you take, whether you smoke or not, etc.

How do life insurers determine your risk for life insurance? They require a medical exam, blood and urine tests, and have you answer several medical questions on your application. This information is used to determine if you are a good risk to insure for life insurance.

What if you don't want to take a medical exam to qualify? There are term life insurance no exam plans that offer up to $500,000 of coverage without any physical exam required.

What if you are denied coverage for life insurance? If other insurers deny offering you life insurance, there are plans which may offer you guaranteed acceptance life insurance.

Top 10 Reasons to Buy No Exam Life Insurance

Do you want to buy no exam life insurance?

If you are considering it, you may want to review some of the leading reasons people like yourself are choosing to purchase life insurance without having to take any physical exams.

Here's a list of reasons to buy life insurance with no exam required:

1. You can choose from $25,000 to $500,000 of life insurance coverage.
   
2. No medical or physical exam is required. Just a few health questions.
   
3. No insurance agent will call or visit you.
   
4. You can buy your policy direct online.
   
5. No waiting period.
   
6. Full coverage starts the day your policy is issued.
   
7. Your benefit will never be canceled or reduced as long as you pay your premiums on time.

To review the entire list, please visit Reasons to Buy No Exam Life Insurance.

NOTE: Please remember your life insurance policy comes with a "Free Look" period which acts like a money-back guarantee, allowing you from 10-30 days to return your policy for a full refund of premiums paid.

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

No Exam Life Insurance

What is no exam life insurance?

No exam life insurance is a type of life insurance policy that does not require you to take any medical exam in order to qualify for coverage.

With no exam life insurance policies there are no physical exams, no blood tests, and no urine tests.

How can the insurance company accept you for coverage without an exam?

There are a few health questions you answer, and the answers determine if you qualify for coverage.

How much life insurance can I buy without an exam?

It depends on your age and health, but you may be able to qualify for up to $500,000 of term life insurance.

When will my life insurance coverage begin?

If you apply online and are accepted for coverage, you can start your life insurance policy today.

How can I pay for my life insurance?

You may be able to use your credit card, or an electronic transfer from your bank account or checking account.

Is there any guarantee?

There is a 30 day free look period, which works like a money-back guarantee. if you are not satisfied with your policy, you may return it within 30 days for a full refund of any premiums paid.

How do I get started?

You can request your Free Quote now.

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