Some life insurance policies do not require a medical exam. Find out about the options available for low-cost, easy-to-understand coverage.
No medical exam coverage -- simplified issue -- does not require physicals, blood tests, urine tests or other tests. Let's say you need coverage fast or have preexisting conditions that make it difficult to pass the medical exam. Simpled issue term life insurance could be a viable and affordable option in these cases.
We compared hundreds of life insurance companies to help you choose the right one for you.
How much coverage, what type of policy, how long it should last, and how expensive you want can all help you choose the right policy for your family.
Life insurance is often used by people who have just had children to help them financially. They want to make sure their spouse and children live the same life they have come to expect.
Finding affordable life insurance is not easy. But understanding your options can help you find the right policy.
Many Americans are too busy to schedule a medical exam. It can be tedious and time-consuming.
A few life insurance companies do not require that you take an exam to get life insurance policies. These companies often have a low benefit limit. This means you only have a small amount of money.
It can be difficult to know what your options are if you aren't familiar with them. Many people believe that insurance for those over 50 is difficult and expensive. It is possible to get affordable insurance even if you have medical issues. This will allow you to take care of your loved ones and avoid unnecessary expenses.
Life insurance companies often charge higher monthly premiums for older people. There are many reasons why this is so, but the most common reason is that people over 50 experience more health problems. Around 75 percent of Americans older than 50 take one or more prescription medications regularly.
There are no whole and term life insurance policies that require a medical exam. However, whole life insurance policies typically have death benefits of $50,000 or less. This is ten-fold less than the limit for term benefits. An insurer that doesn't offer medical exam coverage will typically not offer a higher death benefit. This means that the medical examination is dependent on your answers to questions about health.
There are two types available for life insurance policies without a medical exam. A no-exam life policy could be right for you or your family, and it can offer a guaranteed issue or simplified option.
Without your health information, it can be difficult for an insurer to accurately assess your lifestyle. Offering insurance without performing a medical exam can lead to higher premiums. A policy that covers life insurance may still be affordable if you have a well-managed medical condition. You can compare life insurance quotes before you buy life insurance without any medical exam.
No matter where you may be in life, we can provide term life insurance policies to meet your needs and provide you with the security you desire.
Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.
Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.
Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.