Features of Life Insurance Policy with No Exam

What are the features of life insurance policies with no medical exams required?

Life insurance with no exam is similar to life insurance with an exam required, but their is no physical, blood test, or urine testing.

Also, the premiums may be higher, and the amount of coverage available may be limited to $500,000.

Otherwise, the features are similar with or without an exam.

Term life insurance usually offers coverage for life insurance for 1-30 years.

You can choose a plan for 10, 15, 20, or 30 years.

In addition, rates may be level, remaining the same each year, of the rates may be decreasing.

And, the coverage amount is usually level, which means you have the same amount of life insurance protection each year, for the entire term of your policy.

Learn more about Term Life Insurance with No Exams.

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 Blood or Urine Tests

What do life insurance blood and urine tests check for?

Life insurance medical exam usually include blood and urine tests which may check for STD's, HIV/AIDS, high cholesterol, protein levels, diabetes, chronic health conditions, prescription drugs, illegal drugs, etc.

Basically, the testing is to determine your health, if you have any health problems, if you use any illegal drugs, and if you have a health condition which may lead to a shortened life expectancy.

Most life insurance companies will require a medical exam, blood and urine tests for people applying for $100,000 of coverage, or more.

If you don't want to take any exams, blood or urine tests, you do have an option.

There are insurers which offer up to $500,000 of term life insurance with no medical exams, just a few health questions. Here's how to learn more about term life insurance no exams required.

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