Term Life Insurance without Medical Exam?

Can a person buy a life insurance policy for term insurance without having to take any type of medical exam?

Yes, there are life insurance policies which offer coverage without requiring a physical exam.

In fact, no exam life insurance policies require no physical exam, no blood tests, and no urine tests.

However, with these types of life insurance policies you are asked a few health questions so the insurance company can decide if you qualify for the life insurance.

The benefits of a no medical exam life insurance plan include:

1. Instant approval if qualified.
2. Up to $500,000 of life insurance.
3. No medical exam needed.
4. No need to meet with an agent.
5. "A" rated life insurance protection.

There are some drawbacks to a no exam life insurance plan, such as, the rate you pay may be higher than you might pay for life insurance that requires a full medical examination.

Also, the amount of life insurance available for you to purchase may be limited to around $500,000 or less, depending on your age, health, and the insurance company.

You can request your free instant quote for term life insurance without medical exam online now and find out if you qualify.

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

Does Term Life Insurance Expire?

Yes, a term life insurance policy does expire:

1. If the insured person outlives the term of the term insurance policy.

2. If the term life insurance plan is not renewable.

Term life insurance coverage is a temporary life insurance plan for a certain period of time.

Many term life insurance policies are issued for a period of 10, 15, 20, or 30 years.

If you die during the term of the policy, the beneficiary receives the proceeds, subject to any exclusions.

However, if you are alive at the expiration of the term life insurance policy, your coverage ends.

But, if you chose the renewable provision for your term life insurance plan you are allowed to renew your term life insurance policy for another term, subject to an increase in your rate based on your age at that time.

With a renewable term life insurance plan, you are not required to take a physical exam to qualify for the new term life policy, and your premium cannot be increased to reflect an adverse medical condition.

Here's how you can learn more about how term life insurance works.

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

Finding The Best Affordable Term Life Insurance Plan

How can I find the best term life insurance at the most affordable rates?

If you want term life insurance at affordable rates, make sure you consider:

1. How many years do you need coverage? 10, 15, 20, or 30 years?

2. How much term life insurance do you need?

3. How much can you afford to pay for your life insurance?

Then, in order to find the lowest rates from top-rated insurers, you can compare online term life insurance quotes which provide you with up to 12 of the lowest quotes from over 70 leading life insurers.

When choosing your plan for life insurance consider:

1. The lowest quotes offers.

2. The insurers with the highest financial strength ratings.

Your online life insurance quotes will usually provide side-by-side quote comparisons of life insurance premiums, carriers, financial ratings, and your premium payment options.

You want to consider the financial ratings of the insurers because it's an indication of the insurer's ability to meet their financial obligations, and pay their claims - so the higher the rating, the more financially secure the insurer is considered to be.

Here's how to get your best affordable term life insurance quotes comparisons online.

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

Getting life insurance can seem so complicated?

I'm 31 and have one child and don't really have a good clue about life insurance.

I do have an active life insurance policy for the two of us (2 policies actually) each for $10,000 and one for $25,000.

Is this enough? Do I need to drop one? Just doesn't seem to make sense to keep both of them. Or does it?

The amount of life insurance coverage and policies you own depends on your life insurance needs, and your own personal situation.

What do you want the life insurance to accomplish? Do you want to provide money for your son that would replace your income if you die, and provide money to support your son and send him to college?

To simplify things, first define what you want your life insurance to do for you.

Once you know that, you can say, is this enough money to accomplish the goal? Is there a more cost effective way to reach the goal, than life insurance?

You can use a life insurance calculator to find out how much life insurance you really need. You answer some basic questions and it gives you an accurate estimate of your life insurance needs.

In addition, term life insurance provides the lowest priced coverage. You may want to protect your son with 20 or 30 year level term life insurance which has guaranteed level rates and coverage for the entire term of your life insurance policy. That way, your son has the protection he needs until he is grown up, and you get the best price.

Here's how you can get free, instant term life insurance quotes and compare up to 12 of the lowest rates from over 70 leading life insurers 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