No Medical Exam Life Insurance, also known as “no exam life insurance” or “guaranteed issue life insurance,” is a type of life insurance policy that doesn’t require the applicant to undergo a traditional medical examination as part of the underwriting process. Instead of a medical exam, these policies typically rely on simplified underwriting procedures or no underwriting at all.
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Our A+ Rated companies will provide you with life insurance no medical exam regardless of any illness, disease you may have.
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Key features of No Medical Exam Life Insurance:
Simplified Application Process: Instead of undergoing a comprehensive medical examination, applicants answer a series of health-related questions on the application form. These questions generally cover medical history, lifestyle, and basic health information.
Quick Approval: Since there’s no need for a medical exam, the approval process for no medical exam life insurance policies is typically faster compared to traditional life insurance policies. In some cases, coverage can be approved within a few days.
Limited Coverage Amounts: No medical exam life insurance policies often have lower coverage amounts compared to policies that require a medical exam. This is because the insurance company assumes a higher level of risk by not thoroughly assessing the applicant’s health.
Higher Premiums: Because the insurance company is taking on more risk without a comprehensive medical assessment, premiums for no medical exam life insurance are generally higher than those for traditional policies.
Guaranteed Acceptance: Some policies in this category, known as guaranteed issue life insurance, don’t have any health-related questions. As long as the applicant meets the age requirements, they are guaranteed acceptance, regardless of their health history.
Smaller Payouts in Early Years: Some no medical exam policies might have graded benefit structures. This means that if the insured person passes away within the first few years of the policy, the beneficiaries might receive a reduced payout or only the return of premiums paid.
No medical exam life insurance can be a suitable option for individuals who need coverage quickly or who have health conditions that might make them ineligible for traditional life insurance. It’s important to carefully review the terms, conditions, and coverage limits of these policies and to be transparent when answering health-related questions on the application.
As with any financial decision, it’s recommended to thoroughly research your options, compare policies, and consider seeking advice from a financial advisor or insurance professional before making a decision.
Some Features of a No Medical Exam Life Insurance Policy:
- Your policy last your whole life
- You policy face value never decrease
- Your whole life policy builds cash value
- Permanent Life Insurance
- Your monthly premium (payments) will never increase
- No Medical Exam Required to qualify
- Pays your beneficiary as long as premiums have been paid
- Policy cannot be revoked by the insurance company
- Guaranteed Death Benefit
- Level Premiums
- Policy cannot be cancelled except for non payment
Get Whole Life Insurance With No Medical Exam
If you need the best no medical life insurance, fill out the contact form above for a Quick Quote from a Licensed Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.
If you have been diagnosed with a major Disease and need life insurance, one of the most important steps you can take toward getting coverage is to talk with a life insurance agent who specializes in obtaining life insurance coverage for people with major health conditions. We do our best in getting you the lowest cost life insurance policy with no medical exam required to qualify for coverage. Our agent will assist you in obtaining the coverage you need at a rate you can afford. Depending on the insurance companies underwriting guidelines you may qualify for a Level Benefit policy which requires some health questions. However no medical exam is required for you to qualify for coverage. Your other option is our guaranteed issued whole life insurance policy – NO Health Questions and NO Medical Exam required to qualify.
We Compare Carriers To Get You The Best Rate
Even If your health condition is deteriorating and you are concerned that you will not qualify, you can still get life insurance coverage (qualifying age 50 to 85). Our job is to save you money which will help in reducing your over all monthly expenses as you managing your health condition. Our agent will compare life insurance carriers to find the best policy rate for you – no medical exam required. You can always get coverage with a Guaranteed Acceptance Whole Life Insurance Policy that require NO Health Questions and NO Medical Exam. Our Agents at Senior Care Life specialize in knowing the most affordable coverage options with the best life insurance companies for your condition. If you are age 50 to 85 we can always get you a whole life insurance policy with no medical exam required to qualify.
Even if you have major illnesses such as:
Alzheimers, Aneurysm, Atrial Fibrillation, Bipolar disorder, Heart Bypass, Cancer, Cardiomyopathy,Cerebral palsy, COPD, Congestive Heart Failure, Coronary Artery Disease, Cystic Fibrosis,Defibrillator, Dementia, Diabetes, Dialysis, Emphysema, Heart Attack, Heart Disease or any other medical condition.
You can get coverage. As long as you meet the insurance company’s qualifying age requirement – 50 to 85.