When you buy a life insurance policy as "no physical" do they check for nicotine only or no nicotine either?

My question has nothing to do with lying about whether or not you smoke, when applying for life insurance.

I am asking does NO PHYSICAL mean that a life insurance policy purchased as such, does or does not include nicotine testing.

Life insurance plans with no physical exam required, usually means there is no medical examination, no blood test, and no urine test.

So, that would mean there is no nicotine testing when you buy life insurance without a physical exam.

No exam life insurance plans usually cost more than life insurance requiring a physical, and the amount of life insurance available may be lower, for instance, limited to $250,000 or less.

Here's how you can get a free quote online to help you find the best price no physical exam for life insurance.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

How to Get Life Insurance without any Physical Exam

How can I get life insurance without having to take any medical exams?

You may have a few options available to you when it comes to the purchase of no exam life insurance.

In fact, many life insurance do not require any medical exam unless you are requesting $100,000 or more of life insurance.

However, this depends on your age and health.

In addition, there are several life insurers now willing to offer no exam life insurance plans of $25,000 up to $500,000 of coverage.

The amount available may depend on your age, health, if you smoke, family health history, occupation, hobbies, etc.

Some insurers like Globe life offer up to $30,000 of simplified life insurance without an exam, whereas, RBC insurance offers up to $250,000 of term life insurance with no medical, just a few health questions.

Learn more about life insurance no medical exam plans and how they compare.

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