Life insurance with no medical exam
Many life insurance policies can be issued with no medical exam. Approval may still depend on your answers to health questions and the records the insurance company is allowed to check.
No cost to talk. No obligation.
Nothing to lose by starting
Pay nothing until you're approved. Change your mind during your free-look period (at least 10 days, longer in many states) and get every dollar back.
One no isn't the end
Turned down before? If one company says no, we check the others at no charge. Guaranteed-acceptance plans ask no health questions (benefits are limited the first 2 years).
Insurance companies decide approval and pay claims. Plans and free-look periods vary by company and state.
Who it is for
- Anyone who wants to skip the needles and the nurse visit
- People who would rather not wait on lab results
- Busy parents and workers who want it handled by phone
How it works
- A licensed agent asks a few health questions
- They compare no-exam options from several insurance companies
- You apply by phone, and your agent will tell you how long each company usually takes
Questions
Does no exam mean no health questions?
Usually not. Most no-exam policies still ask health questions. Some guaranteed-acceptance plans ask none, but they limit the benefit for the first 2 years.
Is no-exam life insurance different from regular coverage?
It can be. Amounts, rates and any benefit limits vary by policy, so your agent will show you how each one works before you apply.
How much can I get without an exam?
It depends on your age, your health and the insurance company. Your agent will show you what each one allows.