No Exam Life Insurance - The Basics

Here's some info about no exam life insurance plans for your review:

No exam life insurance is a type of policy that does not require you to take a medical exam. In addition, there are no blood or urine tests necessary to qualify.

However, there are some health questions to answer on the application. Always answer all questions truthfully so any claims will not be denied based on misleading statements made on your application for life insurance.

Usually, no exam life insurance plans are offered for $25,000 up to $500,000 of coverage. Most plans come with a "Free Look period" of 10-30 days depending on the state you live in, and the insurer.

Among the leading insurers offering no exam life insurance plans are HSBC, RBC Insurance, Garden State Life, Stonebridge Life, Gerber Life, and Globe Life & Accident Insurance Company.

These plans may be available for children, adults and seniors, depending on your age and health.

Make sure you understand all exclusions and limitations before choosing a plan.

Also, review the financial rating of the insurance companies (usually provided with your quotes) in order to understand the financial stability of the carriers.

Many no exam life insurance plans offer term life insurance coverage for a term of 10, 15, 20, or 30 years of protection. Make sure you understand how long your premiums are guaranteed to remain level (the same).

Learn more about life insurance with no medical exams required and review several options available.

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 Tips

If you need life insurance and don't want to take any physical exam, blood or urine tests to qualify for coverage you may be considering no exam life insurance

What should you consider when purchasing no exam life insurance?

Here's a few tips:

1. Coverage may be limited to $500,000.

2. Rates may be higher than for life insurance requiring a medical exam.

3. Ask if full coverage is available from the start of the policy.

Here's some benefits of no exam life insurance:

1. No medical exam, just a few health questions.

2. Same day coverage, if you qualify.

3. A+ rated life insurer.

4. 30 day money back guarantee.

Remember, with no exam life insurance there is no hassles, no delays, and no need to meet with an agent.

Coverage may be available for $25,000-$500,000 of life insurance for a term of 10, 15, 20, or 30 years depending on your age and health.

Get your No Exam Life Insurance 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.