No Medical Exam Life Insurance
No medical exam life insurance is available from several
excellent life insurance companies.
Most "no Physical Exam
Required" policies provide the same benefits as plans that do require a
For most people that qualify for these no exam life
insurance policies, the costs are higher then a fully underwritten life
However, they do not require that the applicant
experience an invasive medical exam that includes being stuck by needles
and being required to provide other bodily fluid samples.
No exam life insurance policies that provide a full,
immediate death benefit are still fully underwritten by the insurance
This means that the plans pay the full amount upon death
with no waiting period.
It also means that reviews of your
medical history, driving record, and pharmacy records are done prior to
The full, immediate death benefit plans therefore are
not normally approved for people with serious health issues.
These policies are not guaranteed to be issued. You must qualify
even though an exam is not required.
Who can apply for no exam policies?
Any U.S. citizen or permanent
resident can apply. The type of plan and the amount of
coverage available varies widely from company to company and the cost of
a life insurance policy that requires no physical will often depend on
the applicant's current health even though no medical exam is required.
For those people with
serious health problems several companies
have graded death benefit no exam life insurance policies.
Most plans require that you answer a few simple health questions
and for most people is the lowest cost modified death benefit plan.
Often these types of policies only have a 24 month wait until full benefits are paid, offer a high
payout during the waiting period and will pay 100% of the death benefit,
even in the first 2 years if death is caused by an accident.
No Exam Life Insurance
this form to get the best quotes for life insurance with no physical. Name, Phone and
email are required.
Only a few plans have
absolutely no health questions but are only available to
people over 35 or 40 years old, are extremely expensive and sometimes
have a 3 year waiting period before
the full death benefit will be paid. Visit our
benefit page to request a quote.
Buying Life Insurance with No Exam
Complete the form above to
get rates for plans that allow direct online submission of your application.
Simply answer a few questions and in most cases your policy is approved in 24 to
Thank you for visiting our site. Please feel free to
call us directly at 1-888-394-0971 if you have any questions or concerns we can
assist you with.