Life Insurance with Pre-Existing Condition?

Is it possible to buy a life insurance policy if you have a pre-existing health condition?

Usually, you can compare life insurance quotes online from several life insurance companies in order to find out if any insurers would offer life insurance coverage to you if you have a health problem.

However, you may or may not qualify for life insurance depending on your age, and health.

In that case, you may want to consider a term life insurance no exam policy which offers life insurance coverage without any physical exam, blood or urine tests required, just a few health questions.

However, if you are declined for life insurance through the above options, you may only qualify for guaranteed acceptance life insurance which offers a graded death benefit the first 2-3 years. That means, you have to live for at least 2-3 years for the full death benefit to be paid out to your family (beneficiary) upon your death.

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

Does term life insurance require a medical exam?

If you are shopping for a term life insurance policy you may be wondering if you have to take a physical exam, blood and urine tests.

Some of us just hate the idea of drawing blood, fear needles, or don't have the time for a physical examination.

Although most life insurance companies require a medical exam, especially if you are buying $100,000 or more of life insurance, you may have other options available.

Today, there are insurers offering life insurance coverage without requiring a physical exam.

In fact, you may be able to qualify for up to $500,000 of term life insurance without any medical exam, blood or urine tests.

Although these plans may cost more than a life insurance policy requiring a physical, you may be able to start your life insurance policy today.

Here's how to learn more and get your term life insurance no exam policy online today. it only takes about 15 minutes or less to find out if you qualify for your term life insurance policy.

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 is the Best Life Insurance with No Medical Exam

What is the best type of life insurance with no medical exam required?

There are a couple types of no exam life insurance plans available - Permanent and Term.

Although permanent life insurance may offer lifetime coverage, as long as you pay your premiums, it provides less life insurance at higher rates.

Whereas, term life insurance with no exam offers you more life insurance protection at lower rates. And, if you qualify, you may start your life insurance policy the same day.

There are a few health questions to answer. Your answers will determine whether you are approved for life insurance.

It's quick and easy to compare free quotes online for no exam life insurance. In fact, you just answer 5 questions and get your instant quote.

To learn more about no exam plans you can visit term life insurance with no exam required.

Or, if you are ready, you can request your free, Instant 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.

Term Life Insurance Not Requiring a Physical Exam

What is term life insurance not requiring a physical?

It's just what it sounds like - you can apply for life insurance online and there is no physical exam, no blood test, and no urine test.

How does it work? You answer some basic health questions, and based on your answers, the insurance company makes a decision, usually within 15 minutes, if you are approved for life insurance.

Here's a video to help you better understand:



You may choose up to $500,000 of term life insurance with no medical exam just a few health questions.

You can apply online and get approved within minutes, if you qualify.

There's no need to meet with an agent. You can apply completely online.

It only takes a few minutes.

Get your Free Quote Now

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.